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






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.

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

Exclusive Benefits, Only For Members

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

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

What Our Members Say

The Xapo Insider
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.





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