We’re a Bitcoin-enabled bank
Grow and protect your wealth with a secure US Dollar account, and make blockchain transactions with stablecoins from anywhere.
EARN AN EASY 4.1% ANNUAL INTEREST ON YOUR SAVINGS
Why wait? Access your wealth anytime, anywhere, with no lock-ups while you earn 4.1% annual interest that’s paid out daily. It’s an effortless way to protect and grow your savings.
Earn 1% annual interest on your Bitcoin, paid daily
Don’t wait for the market to move — earn 1% interest on your Bitcoin and store it securely with peace of mind in one of the largest BTC reserves in the world.
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.
Fast and secure connection to the fiat world
We automatically convert your…
… into US Dollars securely, quickly, and affordably
how your wealth is protected
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
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.
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.
German, Spain
It's the only bank I know that allows me to invest in USD and crypto.
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.
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.
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.
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.
Sandeep, Singapore
