Where Global Banking
Meets Bitcoin

Experience the freedom of managing your Bitcoin and US Dollars side by side — all in one secure, seamless app. Grow, move, and protect your wealth worldwide, without switching platforms or compromising on security.

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Secure custody, built for the Bitcoin economy.

Unparalleled security
The safest place for your Bitcoin
Unparalleled security
Safe Bitcoin custody, since 2013

Military-grade protection and a proven track record sets Xapo apart. Our unique security protocol is unparalleled, so you can manage your bitcoin with peace of mind. Our custody. Your legacy.

Our security system
Effortless transactions

BUY, SEND, AND SPEND, LIGHTNING FAST.

Move your money your way – quickly and securely

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Buy, Send, and Spend, Lightning fast
EARN BITCOIN

Earn interest on your Bitcoin, paid every day

Grow your wealth every day

Grow your savings
Earn interest on your Bitcoin, paid every day
SPEND WITH XAPO

YOUR GLOBAL DEBIT CARD

Earn cashback. No FX fees.

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Access global debit card in just minutes
LOCK UP AND GO

ACCESS CASH. KEEP YOUR BITCOIN

Get cash today

BTC-Backed Loans
Access your cash through bitcoin loans
INVEST WITH EASE

YOUR WHOLE INVESTMENT PORTFOLIO, IN ONE PLACE

Diversify your wealth

Learn more
Your whole investment portfolio in one app
EARN BITCOIN
SPEND WITH XAPO
LOCK UP AND GO
INVEST WITH EASE
Effortless transactions

BUY, SEND, AND SPEND, LIGHTNING FAST.

Learn more
EARN BITCOIN

Earn interest on your Bitcoin, paid every day

Grow your savings
SPEND WITH XAPO

YOUR GLOBAL DEBIT CARD

Learn more
LOCK UP AND GO

ACCESS CASH. KEEP YOUR BITCOIN

BTC-Backed Loans
INVEST WITH EASE

YOUR WHOLE INVESTMENT PORTFOLIO, IN ONE PLACE

Learn more
Buy, Send, and Spend, Lightning fast
Earn interest on your Bitcoin, paid every day
Access global debit card in just minutes
Access your cash through bitcoin loans
Your whole investment portfolio in one app

Move your money your way – quickly and securely

Grow your wealth every day

Earn cashback. No FX fees.

Get cash today

Diversify your wealth

Effortless transactions

BUY, SEND, AND SPEND, LIGHTNING FAST.

Learn more

Move your money your way – quickly and securely

Send and spend in Bitcoin, USDC and USDT stablecoins, or other traditional currencies—all in one app. No FX fees, just fast and secure payments anywhere you go.

EARN BITCOIN

Earn interest on your Bitcoin, paid every day

Grow your savings

Grow your wealth every day

Earn 0.5% interest on your BTC holdings and 3.75% on your USD, paid out daily in Bitcoin. Watch your wealth grow in real time. 4

SPEND WITH XAPO

YOUR GLOBAL DEBIT CARD

Learn more

Earn cashback. No FX fees.

Spend freely with your Xapo debit card wherever you are, with no FX fees and 1% cashback on qualifying purchases.

LOCK UP AND GO

ACCESS CASH. KEEP YOUR BITCOIN

BTC-Backed Loans

Get cash today

Get up to USD 1 million in minutes by borrowing against your Bitcoin. Need to buy a house, a car, or something else entirely? Find the cash you need, when you need it, without selling your BTC.

INVEST WITH EASE

YOUR WHOLE INVESTMENT PORTFOLIO, IN ONE PLACE

*Capital at risk7

Learn more

Diversify your wealth

Invest in a range of U.S stocks with ease, across the world. Gain access to the S&P 500, the NASDAQ, 
a range of Vanguard ETFs, and a curated selection 
of altcoins.

Buy, Send, and Spend, Lightning fast
Earn interest on your Bitcoin, paid every day
Access global debit card in just minutes
Access your cash through bitcoin loans
Your whole investment portfolio in one app

Regulated. Audited. The bank your Bitcoin deserves.

Built for Digital Finance
The way every bank should be
Built for Digital Finance
Bank your Bitcoin with peace of mind.

We're a regulated bank, audited by KPMG and compliant with SOC2 Type 2 standards for data security. Put simply, you can trust Xapo with your wealth. That's been our mission since Day 1.

Our mission
THE BEST
PRICEFOR
YOUR BITCOIN
THE BEST PRICE
FOR YOUR BITCOIN
SAVE UP TO 90%*
ON BITCOIN
TRADING FEES
SAVE UP TO 90%* ON
BTC TRADING FEES
Numbers don't lie

Our Bitcoin prices regularly outcompete those of leading exchanges and banks. Save up to 90% on fees when you trade with Xapo.

Find out how to keep more of what's yours
PlatformCost
BTC you receive
Cost
Xapo Bank
-USD 100
BTC 0.00000000
≈USD 99,900
BTC 0.00000000
≈USD 99,900
≈ USD 100
Kraken
-USD 220
BTC 0.00000000
≈USD 99,780
BTC 0.00000000
≈USD 99,780
≈ USD 220
Coinbase
-USD 250
BTC 0.00000000
≈USD 99,750
BTC 0.00000000
≈USD 99,750
≈ USD 250
Amina
-USD 900
BTC 0.00000000
≈USD 99,100
BTC 0.00000000
≈USD 99,100
≈ USD 900
Sygnum
-USD 400
BTC 0.00000000
≈USD 99,600
BTC 0.00000000
≈USD 99,600
≈ USD 400
Revolut
-USD 1000
BTC 0.00000000
≈USD 99,000
BTC 0.00000000
≈USD 99,000
≈ USD 1000

*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.

*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.

Join XapoBank
inminutes
Join XapoBank
inminutes
Become a member
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.

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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.
Step into
our
worldwide
community
Step into our
worldwide
community

“

Xapo for me is a place I can trust. It's Bitcoin centric which says a lot.

Herminio - Spain

“

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

Tony - Dubai

“

What I value most about Xapo Bank is the incredible flexibility it offers in managing my finances.

German - Costa Rica

“

Great bitcoin only offerings, simple to use and the best rates means Xapo is the only bitcoin bank that I am currently using.

Sandeep - Australia

The Xapo
Insider

Catch up on the latest crypto news, and get the inside scoop on our products and services.

Explore The Xapo Insider
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