Be first to access the future of banking with an all-in-one app that enables you to secure, transact, and grow your Bitcoin wealth. We put financial freedom in your hands with unparalleled security for your holdings, effortless sending and spending, and unique earning opportunities including interest on your Bitcoin, paid out daily.Join us to protect and grow your Bitcoin wealth.
Apply for membershipThe safest place for your Bitcoin. Full stop.
Ensure your legacy with best-in-class protections.
We built Xapo in 2013 to be THE safest place for your Bitcoin. Our unparalleled security starts with our status as a fully licensed bank and Bitcoin custodian. That means your fiat deposits are backed by guaranteed protections.1 Then there’s our decentralised multi-party computation (MPC) technology and our global network of hidden bunkers protected by armed guards. Designed and executed by a team of experts, this cutting-edge security has kept our members’ Bitcoin holdings safe for over a decade.
The way every bank should be
Enjoy seamless Bitcoin services with peace of mind.
Bitcoin’s not new anymore—it has a proven, 15-year track record, and you shouldn’t have to compromise security and earning potential to use it. To better protect and grow our members’ wealth, we’ve designed a banking app that treats Bitcoin as the go-to currency of the future. Together with the US dollar, it can offer unprecedented financial access no matter who you are, or where you live.
Numbers don't lie
We go head-to-head with the biggest names in the market and come out on top. The numbers speak for themselves. We consistently outperform top players on Bitcoin pricing, helping you save up to 90% compared to other banks. More Bitcoin for your money, every time you buy and sell.
Find out how to keep more of what's yoursBTC you receive
Xapo Bank
≈USD 99,900
Kraken
≈USD 99,780
Coinbase
≈USD 99,750
Amina
≈USD 99,100
Sygnum
≈USD 99,600
Revolut
≈USD 99,000
*Please note that the exchange rates on different platforms may differ and influence the total amount of Bitcoin that you will receive.*
Cost built into the price is true to date 24 February, 2025. Costs may vary based on the subscription plan that you use on the different platforms. Presented costs are for market orders.
* Figure reflects differences between Xapo Bank’s BTC trading fees and 2 competitor Bitcoin banks, assuming Xapo Bank’s fees remain 0.1%.
† Spreads on BTC/USD average 0.1% for all trades.
Become a member
USD 1,000/YEAR
USD 1,000/YEAR
Experience premium banking designed for your financial future. For USD 1,000/year, you’ll unlock world-class services that provide top-tier security, personalized support, and seamless transactions wherever you are.
Here’s what you’ll need:
01Identification
An ID or passport, plus a quick selfie for secure verification.
02Personal details
Easily verified using your mobile phone.
03Security details
We’ll safeguard your account with state-of-the-art security measures.
The Xapo
Insider
Catch up on the latest crypto news, and get the inside scoop on our products and services.
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Loans
Article - May 07, 2025
No need to sell your Bitcoin: unlock its value instead with BTC Loans
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Cryptocurrency
News
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Security
Article - Apr 09, 2025
Security or Convenience: Which Should You Prioritise For Your Bitcoin?
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