Bitcoin account

A Bitcoin account that’s more secure

Backed by one of the largest BTC reserves in the world

Become a member

Choose how to store your bitcoin

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

Earn 1% annual interest on your Bitcoin, paid out daily

Get even more out of your Bitcoin. Earn steady annual interest with daily payouts on your first 5 BTC⁶ in your Savings account, and have round-the-clock access to it with no lock-ups. It's an effortless way to save.

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.

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.

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 1% annual interest1 that’s paid out daily, or send it in a tap with the Lightning Network.

1% annual interest

Paid out daily in satoshis on Bitcoin deposits6

Freedom & flexibility

Buy, manage, and hold Bitcoin from anywhere

Expert security

Your funds are secured by our large BTC reserve

Send Bitcoin in a flash with the Lightning Network

We’re the first bank to be integrated with the Lightning Network, so you can make cheap Bitcoin transactions around the world almost instantly using the Xapo Bank app.

Skip the blockchain queues and enjoy a low fee of $0.0015 per transaction

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.