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Bank on your terms: The freedom of no lock-ins with Xapo Bank


​​Financial freedom means having pure, unrestricted access to your money. With Xapo Bank, not only do you earn interest from day one, paid out daily, but most importantly your funds can be easily accessed at any time

Unrestricted access, no lock-ins

We’re just different. While some banks will lock in your funds for months at a time, Xapo Bank doesn’t ask you to do this. 

Instead, we give you uninterrupted access to your funds 24/7. This means you have the freedom and flexibility to access and use your money without any restrictions or penalties, so you can be ready for opportunities or take comfort during emergencies.

Simply access your funds through the Xapo Bank app, where you'll also be able to manage your Bitcoin and make payments wherever, whenever.

A high-interest haven

While Xapo Bank's 4.6% annual interest rate* isn’t as high as some other banks, it still manages to be more competitive than those very same options. How do we do this? It all starts with the safety of your money.

High-interest rates exceeding 9 or 10% might seem exciting, but they can come with risks you should consider. Banks offering excessively high rates like this often take larger risks with your money by investing in volatile markets and lending it out. There can also be expensive maintenance fees, minimum deposits and other hidden fees that you could face down the line, costing you more money than you’d expected.

Growing your wealth with Xapo Bank is hassle-free. There are no minimum deposit requirements or hidden costs. All with the safety and security of a fully licensed bank guaranteeing fiat deposits up to the USD equivalent of EUR 100,000** and a regulated Virtual Asset Service Provider (VASP).

Daily interest payments

The value of a savings account isn’t just the value of the returns it brings, but also how often these returns are paid. In Xapo Bank’s case, earning interest is simple and convenient. We pay out interest to you every day, so you don't have to wait for monthly, quarterly, or yearly payments.  

The best part? All of this takes place in one app, keeping your crypto and fiat together under the same roof.

We’re excited about the future of digital banking, and invite you to experience all of Xapo Bank’s benefits.

*The Annual Interest Rate offered on both USD and Bitcoin deposits is variable and may change at any time. Please see our Interest FAQs for more information.

**Eligible fiat deposits are protected by the Gibraltar Deposit Guarantee Scheme up to a maximum of the US Dollar equivalent of EUR 100,000 (subject to prevailing exchange rates on the compensation date).


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the bridge between
Bitcoin, US Dollars, and stablecoins