THE ONLYWAY
TO BANK
YOUR BITCOIN

Be first to access the future of banking with an all-in-one app that enables you to secure, transact, and grow your Bitcoin wealth. We put financial freedom in your hands with unparalleled security for your holdings, effortless sending and spending, and unique earning opportunities including interest on your Bitcoin, paid out daily.

Join us to protect and grow your Bitcoin wealth.

Apply for membership

The safest place for your Bitcoin. Full stop.

Unparalleled security
Landscape shot of Gibraltar Rock with the sun low on the horizon, providing context for Xapo Bank's location.
Unparalleled security
Ensure your legacy with best-in-class protections.
We built Xapo in 2013 to be THE safest place for your Bitcoin. Our unparalleled security starts with our status as a fully licensed bank and Bitcoin custodian. That means your fiat deposits are backed by guaranteed protections.1 Then there’s our decentralised multi-party computation (MPC) technology and our global network of hidden bunkers protected by armed guards. Designed and executed by a team of experts, this cutting-edge security has kept our members’ Bitcoin holdings safe for over a decade.
Our security system
Effortless transactions

Access your Bitcoin, lightning fast.

Buy, send, and spend
Everyday earnings

Earn interest on your Bitcoin, paid every day

Grow your savings
Unlimited potential for growth

Access global financial markets with just a few taps

Grow your wealth
Personalised service

Dedicated bankers with Bitcoin expertise

Get in touch
Access your Bitcoin, {{lightning fast}}.
{{Earn interest}} on your Bitcoin, paid every day
{{Access global}} financial markets with just a few taps
{{Dedicated bankers}} with Bitcoin expertise
Effortless transactions

Access your Bitcoin, lightning fast.

Buy, send, and spend

We don’t just keep your Bitcoin safe, we make it easy to use it.

Your funds are always right where you need them. Anytime. Anywhere. With just a few taps you can transact in BTC, or make payments in EUR, GBP, USD, USDC, and USDT. Never miss the dip with automated BTC buys*, instantly send and spend with the Lightning Network, and use your signature metal Xapo Bank card around the world with no foreign exchange fees.3

*Capital at risk2

Everyday earnings

Earn interest on your Bitcoin, paid every day

Grow your savings

Unlock the potential of your holdings with 0.0% APR on your BTC, and 0.0% APR on your USD4.

Put your holdings to work, without lifting a finger. You can earn Bitcoin every day with interest on your savings4, cashback on your card spending5, and recurring rewards for your referrals6. Watch your wealth grow in real time with interest paid out daily7.

Unlimited potential for growth

Access global financial markets with just a few taps

*Capital at risk7

Grow your wealth

We put the S&P 500 and NASDAQ at your fingertips.

A whole world of investing is just a few taps away: diversify your financial portfolio with effortless and affordable access to U.S. stocks no matter where you live.7 We make it easy to track your net worth at a glance with your securities, cryptocurrencies, and US dollar savings all in one app.

Personalised service

Dedicated bankers with Bitcoin expertise

Get in touch

Enjoy an exceptional level of service, around the clock.

Tired of chatting with bots? We hear you. As a member, you’ll have a dedicated account manager who can guide you through our offerings and help with anything you need. Support is available 7 days a week and we welcome all our members to visit us in person at our Gibraltar headquarters.

Access your Bitcoin, {{lightning fast}}.
{{Earn interest}} on your Bitcoin, paid every day
{{Access global}} financial markets with just a few taps
{{Dedicated bankers}} with Bitcoin expertise

The way every bank should be

Built for a global future
Xapo Bank employee walking along the water garden at the headquarters in Gibraltar.
Built for a global future
Enjoy seamless Bitcoin services with peace of mind.
Bitcoin’s not new anymore—it has a proven, 15-year track record, and you shouldn’t have to compromise security and earning potential to use it. To better protect and grow our members’ wealth, we’ve designed a banking app that treats Bitcoin as the go-to currency of the future. Together with the US dollar, it can offer unprecedented financial access no matter who you are, or where you live.
Our mission
Join XapoBank
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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.

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 ourStep 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
How Xapo Bank {{is Enhancing}} Bitcoin Trading with FalconX
News
Article - Oct 07, 2024

How Xapo Bank is Enhancing Bitcoin Trading with FalconX

Read Article
Why Institutional-Level Bitcoin Pricing Matters for {{Your Trades}}
News
Article - Oct 07, 2024

Why Institutional-Level Bitcoin Pricing Matters for Your Trades

Read Article
Xapo Bank and Hilbert Group Launch Bitcoin Yield Hedge Fund with $175M {{Initial Investment}}
News
Article - Sep 18, 2024

Xapo Bank and Hilbert Group Launch Bitcoin Yield Hedge Fund with $175M Initial Investment

Read Article
How Xapo Bank Safeguards your Transactions
News
Article - Sep 06, 2024

How Xapo Bank Safeguards your Transactions

Read Article
Xapo Bank and Hilbert Group: Pioneering Innovation in Bitcoin Wealth Growth
News
Article - Aug 30, 2024

Xapo Bank and Hilbert Group: Pioneering Innovation in Bitcoin Wealth Growth

Read Article
The Price Is Right: A Note on Recent BTC Volatility
News
Article - Aug 08, 2024

The Price Is Right: A Note on Recent BTC Volatility

Read Article
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