The Members-Only Private Bank For Bitcoin Holders

We’ve spent over a decade perfecting banking for those who believe in Bitcoin. Secure, spend, and grow your wealth with us.

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TBC

The freedom of a life Fuelled by Bitcoin

Xapo serves the full spectrum of Bitcoin wealth. We give those who want to hold liquidity without losing exposure, and those building wealth, a path to grow their holdings. With an unmatched security infrastructure and world-class service, Xapo is the partner your Bitcoin deserves.1

Features & Accolades

Official Forbes media brand logo emblem, representing institutional business news coverage, global financial journalism, corporate leadership rankings, and executive economic insights.
A modern Bitcoin token graphic emblem symbolizing the hard cap of 21 million BTC. The high-tech circular badge represents decentralized finance, cryptocurrency investment, blockchain asset tokenomics, and secure digital wealth storage.
Official logo for the FStech Awards 2025, celebrating excellence and innovation in financial services technology. The graphic represents industry recognition, corporate achievement, IT banking software design breakthroughs, and institutional sector trust.
Official Swiss Fort Knox data security certification emblem. The circular grey brand badge represents ultra-secure cloud storage, physical server infrastructure hidden in the Swiss Alps, high-grade data encryption, and maximum digital asset privacy.
Official finalist badge for the UK FinTech Awards 2026 Digital Assets Award category, sponsored by Lockton. The graphic represents industry recognition, corporate excellence, blockchain financial technology innovation, and institutional trust.
TBC

Earn Up to 4% APY

Earn compounding interest in BTC 
Xapo Bank interest from USD and Bitcoin in BTC, so your earnings increase along with Bitcoin’s growth.

TBC

Borrow all you need

Don’t spend Bitcoin when you need cash
Because Xapo understands the value of keeping your long-term holdings intact, we provide instant liquidity through pre-approved loans and cash deposits with zero fees and flexible terms.5


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Exclusive Benefits, Only For Members

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Peace of Mind for your Life Savings

  • Bitcoin Security Perfected Since 2013

  • At Xapo Bank, we ensure you are the only one who will ever have control over your wealth with three layers of Bitcoin security.1,8

Xapo Bank Manager helping customer

Real Support When You Need it

  • Dedicated Relationship Manager

  • A personal relationship manager is always by your side to support any financial journey.

Around Since the Beginning

Established
2013
Capital Ratio
167%
Liquidity Ratio
1663%

Pay your Membership using the Currency that suits you best

FiatUSD, GBP, EUR
StablecoinsUSDT / USDC
BitcoinBTC transfer
Become a Member
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What Our Members Say

Sophisticated male business partners or colleagues conversing while walking through a luxury courtyard corridor, showcasing contemporary smart-casual style and executive lifestyle.

You Were Right About Bitcoin

And now you have a bank that understands.
We provide rock-solid security and the premium services of a private, members-only bank that is built to increase your Bitcoin wealth.1,8

Apply Now

Real support,
Whenever you need it

From exploring the BTC Fund to managing your savings, our team is ready to help — 24/7, right from your app.

  • Dedicated relationship manager — Personalised support from your relationship manager.

  • 24/7 assistance — Get help anytime through in-app chat or email.

  • Bitcoin expertise — Guidance from specialists who understand both banking and crypto.

Be in the know.
Unlock the future of money.

Get the latest Bitcoin news, product updates, and exclusive insights from Xapo Bank.

*Our current pricing, subject to constant change.