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A Bitcoin account that’s more secure

Backed by one of the largest BTC reserves in the world

Choose how to store your bitcoin

Each storage option uses the same industry-leading security and cryptography

NEW

Manage your Bitcoin withdrawals with peace of mind

BTC Vault gives you total control over your Bitcoin withdrawals. With additional security features like PIN confirmation and 48-hour transfer delays, balances in your BTC vault are kept 100% separate from your BTC Wallet, Savings account and card, so you’ll always have peace of mind.

Manage your Bitcoin withdrawals with peace of mind

Earn 0% annual interest on your Bitcoin, paid out daily

Get even more out of your Bitcoin. Earn steady annual interest1 with daily payouts on your first 5 BTC7  in your Savings account, and have round-the-clock access to it with no lock-ups. It's an effortless way to save.

Earn 1% annual interest on your Bitcoin, paid out daily
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Bitcoin with the security of a bank

Buy, manage, and hold Bitcoin next to your US Dollar account from the same secure banking app.

Spend it easily with your global debit card or send some across the global almost instantly using the Lightning Network.

Bitcoin with the security of a bank
The world’s first crypto-native bank
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The world’s first crypto-native bank

As a Virtual Asset Service Provider (VASP), your BTC sits directly next to your US Dollar account in the Xapo Bank app, giving you extra freedom and flexibility to manage your wealth.

Waiting for the market to move? You can also grow your Bitcoin with 0% annual interest1 that’s paid out daily, or send it in a tap with the Lightning Network.

0% annual interest1
Paid out daily in satoshis on Bitcoin deposits7
Freedom & flexibility
Buy, manage, and hold Bitcoin from anywhere
Expert security
Your funds are secured by our large BTC reserve
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SEND & RECEIVE BITCOIN WITH THE LIGHTNING NETWORK

Make instant Bitcoin transactions with near-zero fees anytime, anywhere, using the first banking app in the world to give access to the Lightning Network.

Skip the blockchain queues and enjoy a low fee of USD 0.01 per transaction6.

How we protect your Bitcoin

Together with our liquid financial assets and solid balance sheet, we also protect our members’ wealth by holding one of the largest Bitcoin reserves in the world.

Xapo Bank and Xapo VASP are legal entities that are regulated by the Gibraltar Financial Services Commission and adhere to strict regulatory frameworks.

Your bitcoin account
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the bridge between
Bitcoin, US Dollars, and stablecoins

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BUY, MANAGE & HOLD BITCOIN ANYWHERE

YOUR BITCOIN ACCOUNT

Xapo Bank is an international crypto and private bank, uniting the personalised service of traditional banking with the security of Bitcoin. As pioneers in Bitcoin, we constantly invest in new tech security to ensure our members’ wealth is kept safe at all times.

Become a member and you will have the freedom to buy, manage and hold bitcoin – anywhere in the world. You will earn 1% interest on all deposits in Bitcoin, helping you grow your wealth safely and securely.

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LIGHTNING NETWORK

We are the first bank to be integrated with the Lightning Network through our partnership with Lightspark, enabling our members to make low cost and lightning fast Bitcoin payments at the tap of a few screens on the Xapo Bank app. No waiting for multiple blockchain confirmations. Enjoy a fixed low fee of less than US $0.01 per transaction6.

We remain at the forefront of innovative financial services, merging the security of a traditional credit institution with efficiencies of blockchain infrastructure to deliver unrivalled wealth protection for our members.

1% interest
On Bitcoin deposits
freedom
Buy, manage and hold Bitcoin from anywhere
protection
Our large Bitcoin Reserve protects our members funds

We protect our members’ wealth by adhering to strict regulatory frameworks. Xapo Bank and Xapo VASP are legal entities regulated by the Gibraltar Financial Services Commission.

Xapo holds one of the largest Bitcoin reserves in the world. Together with our liquid financial assets and solid balance sheet, our commitment to Bitcoin is generating interest for our members – while ensuring the highest levels of protection.

Your bitcoin account
A woman's hand on the sea backgroundA woman's hand on the sea background

the bridge between
Bitcoin, US Dollars, and stablecoins