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Open A US Dollar account from anywhere

One secure banking app

Get 30 days for free, then $ 14.99 /month

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manage
Bitcoin
securely

One secure banking app

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transact stablecoins to fiat

One secure banking app

access your savings without restrictions

Your money, your terms. We believe you should have on-demand access to it at any time and from anywhere, with no lock-in periods or hidden fees.

No lock-insNo lock-ins
We take your wealth seriouslyWe take your wealth seriously

how your wealth is protected

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Regulated by the Gibraltar Financial Services Commission
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USD 100,000 deposits guaranteed
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Fully licensed and regulated bank
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We don’t lend your money out
GET 1.1% cashback

GET 1.1% cashback

A global Xapo Bank debit card to make payments and withdraw funds from anywhere.

Earn 1.1% cashback every time you use your card.

pricing Plans

Enjoy a 30-day free trial, then
USD 12.50 / month
Billed as one payment of USD 150 (20% Off)
Enjoy a 30-day free trial, then
USD14.99 / month
Billed as one payment of USD 150 (20% Off)

what our members say

Xapo bank improving lives every day

My Xapo Bank card has been useful while I’ve been traveling. I can spend USD converted to Euros with no markup, and can withdraw cash from an ATM with no additional fees. It’s also simple and easy for me to send my stablecoins to my Xapo account.

Xapo for me is a place I can trust. It’s Bitcoin centric which says a lot.

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Herminio, Mexico

The fact that Xapo Bank operates as a fully regulated financial institution in Gibraltar, complete with a robust Deposit Guarantee Scheme, speaks volumes about its commitment to security and customer trust. It's the kind of assurance that allows me to confidently entrust my wealth with them.

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German, Spain

It's the only bank I know that allows me to invest in USD and crypto.

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Felipe, Mexico

The app is better than 99% of bank apps out there. The yield handily beats major protocols like Aave and Compound, and on top of that it’s insured. It’s the indispensable one-of-a-kind gateway between crypto and fiat I need.

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Prathan, Thailand

Xapo Bank Mastercard is one of the best cards in the market. 1% reward in BTC on all spending. Good conversion rates for foreign currencies.

I think Xapo Bank's systems are impressive. And the fees to transfer stablecoins are good.

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Tony, Dubai

Xapo Bank is the only choice for me. No other bank is accessible to non-EU and non-US citizens regarding the ability to spend stablecoins.

Being able to send and redeem USDC/USDT at zero spread is a big selling point for me.

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Thomas, Hong Kong

I was looking for a way to transfer my stablecoin into a bank, earn yield and spend it while earning cashback.

Xapo does that and gives me the best net exchange rate.

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Sandeep, Singapore

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the bridge between
Bitcoin, US Dollars, and stablecoins