Move your funds
with ease
Buy, send, deposit, transfer
Get your funds where they need to go day or night.
Instantly and affordably send, receive, and transfer your Bitcoin and US dollars all in one app. Deposit funds into your wallet for your day-to-day transactions, send and receive Bitcoin in just a few taps with the Lightning Network, or transfer to your savings account to start earning interest1, all available 24/7.
Learn about the Lightning NetworkSpend freely, around
the world
Spend
Bitcoin is accepted everywhere when you use your Xapo Bank card.
You can withdraw funds or make purchases from billions of merchants around the world using your BTC or USD balance.2 Pay with your secure virtual card online and use your PVC and metal cards for in-person payments, or to take out cash at an ATM. We don’t charge foreign exchange fees, and you’ll earn cashback in BTC on your purchases.3
Learn more about cashbackBuy and sell bitcoin in
your sleep
Buy and sell bitcoin
Set up automated recurring buys for Bitcoin so you never miss the dip.
Put your Bitcoin savings on autopilot. There are no hidden fees, and no restriction on your funds.
Keep your private transactions, private
Cashing in or out?
We make it easy and instant with access to global transaction networks at affordable rates.
Blockchain and Lightning Network
Send and receive Bitcoin
Federal Reserve Automated Clearing House
Send and receive USD
Bitstamp
Send and receive USDT
Single Euro Payment Area
Send and receive EUR
Circle
Send and receive USDC
Faster Payments Service
Send and receive GBP
Universal Money Address
Withdraw in BTC and ARS
More currencies coming soon.
The Xapo insider
Catch up on the latest crypto news, and get the inside scoop on our products and services.
Explore The Xapo Insider
The Future of Retail Banking: Made Possible With Bitcoin & Lightning
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Why xapo bank chose to integrate the lightning network with lightspark
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