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Introducing Wealth Savings: A more secure way to save


Having complete control over your finances has never been so important. That’s why we’re excited to announce the launch of Wealth Savings, a more secure and simplified way to manage your money. 

What do you get from Wealth Savings?

One account for daily spending, and one for saving

Wealth Savings streamlines your finances by splitting your Wallet and Savings accounts. You can easily track everyday purchases with your Wallet, while your remaining funds in Savings earn annual interest that’s paid out daily.

A more secure way to store funds

By having a distinct Savings account, you can also enjoy the extra layers of security that come with it. For example, Savings isn’t linked to your global Xapo Bank debit card, meaning that if you lose your card, your savings are not at risk. To top up your Wallet, you can quickly and simply move funds from Savings.

All your US Dollar deposits, including those held in Savings, will remain protected by the Gibraltar Deposit Guarantee Scheme up to the USD equivalent of EUR 100,000*.

Earn interest on USD and BTC

When you move your funds from your Wallet and into your Savings, you’ll instantly start earning an annual interest rate of 4.6%** on US Dollars and 0.9% annual interest** on Bitcoin, each paid out daily. Wealth Savings is a secure and reliable way to protect your wealth while you grow it every day.

No lock-up periods

Keeping up with the demands of today’s economic climate also means you need to be adaptable with your finances. That's why we give you the freedom to access your funds anytime, day or night, with no lock-up periods, minimum balance requirements, or hidden fees. It’s a hassle-free way to manage your finances and be ready for anything.  

Easily move funds from Savings to Wallet and back

Moving funds between Savings accounts and Wallets is quick and seamless, you can add or withdraw funds at anywhere, anytime, with no fees. 

Here’s how:

  • Download and open the latest version of the Xapo Bank app
  • Tap Wealth at the bottom right of the screen, then select either USD Savings or BTC Savings
  • Tap Add Funds and follow the prompts.

Not a Xapo Bank member yet? Check out the benefits of a Xapo Bank membership and apply today.  

*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).
** The Annual Interest Rate offered on both USD and Bitcoin deposits is variable and may change at any time. The 0.9% annual interest rate on Bitcoin will be limited to a maximum balance up to and including 5 BTC. Please see our
Interest FAQs for more information.


This article is for general information purposes only and is not intended to constitute legal or other professional advice or a recommendation of any kind whatsoever and should not be relied upon or treated as a substitute for specific advice relevant to particular circumstances. We make no warranties, representations or undertakings about any of the content of this article (including, without limitation, as to the quality, accuracy, completeness or fitness for any particular purpose of such content), or any content of any other material referred to or accessed by hyperlinks through this article. We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

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