Crypto and traditional banking in the same app
Digital assets still need a fast and secure connection to the fiat world
Access US Dollars wherever you are
Earn 4.1% annual interest on US Dollar deposits with daily payouts, and enjoy peace of mind with fiat deposits up to USD 100,000 protected by the Gibraltar Guarantee Deposit Scheme.
Since interest isn't generated by lending your money out, you'll always have access to it.
A secure Bitcoin account
Backed by one of the largest Bitcoin reserves in the world, Xapo Bank is a safer and more secure custodian for your BTC.
Grow your Bitcoin with 1% annual interest, paid out daily, and enjoy access to the Lightning Network — one of the fastest and cheapest ways to send Bitcoin.
Transact stablecoins with a bank
Avoid high costs and long waiting times with a licensed and regulated bank that lets you make stablecoin payments.
Send and receive USDC and USDT, and have your funds automatically converted to and from US Dollars.
Enjoy a 1:1 conversion ratio for USDC and zero transaction fees for both.
A Global Card
Make payments and withdraw funds anywhere with your Xapo Bank Card.
Earn up to 1.1% cashback with every card transaction.
Your own account manager
We thrive on innovation and cutting-edge tech, but some things just can’t replace human interaction.
That’s why our members have access to a dedicated account manager to help them get the most from the Xapo Bank app.
What makes Xapo Bank a safer option?
- Your money isn’t lent out
- Strengthened by one of the largest BTC reserves in the world
- Fiat deposits up to USD 100,000 protected by the Gibraltar Guarantee Deposit Scheme
- Fully licensed and regulated bank and Virtual Asset Service Provider
- Regularly audited by independent third parties
