Xapo delivers more than 10x the FDIC average savings rate, with a variable base rate of 4.1% APY. Auto-convert USDC and USDT deposits to USD so they earn BTC instead of sitting idle. Yield on USD Savings is paid out daily in Bitcoin. Your USD is deployed to high-quality liquid assets, including US Treasuries.7 For a limited time, new members earn 4.6%* APY for their first 90 days, on balances of up to $100K USD. Additional balances earn the base 4.1% APY. This introductory rate is live until 23 October 2026.
Ways to Earn Bitcoin
USD Savings
Your USD can grow your Bitcoin position with market-leading rates.
USD Savings
Your USD can grow your Bitcoin position with market-leading rates.
APY
Base rate: 4.1% variable APY New member exclusive: 4.6%* variable APY
PROTECTION
USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to the USD equivalent of £120,0005
BTC Credit Fund
Your conviction bought it. Now let it pay you back.
BTC Credit Fund
Your conviction bought it. Now let it pay you back.
Xapo Bank’s BTC Credit Fund, a smarter way to earn Bitcoin. Designed to deliver sustainable and targeted returns in BTC, it’s your opportunity to accelerate your Bitcoin wealth. 2,6
APY
Up to 4%1
Payout
Re-invest BTC earnings for compound growth, or take monthly payouts
BTC Savings
Earn Bitcoin on your Bitcoin.
BTC Savings
Earn Bitcoin on your Bitcoin.
Your Bitcoin remains entirely segregated, backed 1:1, and is backed by an unblemished 13-year custody record. You earn a baseline yield while maintaining 100% instant liquidity. Your Bitcoin remains entirely segregated and is backed by an unblemished 13-year custody record. You earn a baseline yield while maintaining 100% instant liquidity.5
APY
0.25% variable APY3,4
Access
100% liquid, instant withdrawals anytime
Features & Accolades
Real support, Whenever you need it
From exploring the BTC Fund to managing your savings, our team is ready to help — 24/7, right from your app.
Dedicated relationship manager — Personalised support from your relationship manager.
24/7 assistance — Get help anytime through in-app chat or email.
Bitcoin expertise — Guidance from specialists who understand both banking and crypto.
Let's talk
FAQs
See all FAQs
We calculate interest daily on your USD deposits based on our current variable rate. Instead of adding US dollars to your balance, the yield is converted to and deposited directly into your account as native Bitcoin (BTC). This allows you to hold stable fiat while continuously accumulating Bitcoin.
Interest for both the USD and BTC savings accounts is calculated and distributed daily. Your earnings begin compounding immediately upon deposit.
The fund requires a minimum allocation of USD 120,000 equivalent in Bitcoin.
Yes. You can choose between two options depending on your goals:
Accumulative Shares: Automatically reinvest your yield to compound your growth.
Distributive Shares: Pays out your yield monthly to your BTC Savings account.
The BTC amount of your original investment is not reduced by the monthly payout mechanism. When you select the "Distributive" share class, (monthly payout), only the yield generated by your investment is paid out to you each month. Your original investment amount remains in the BTC Credit Fund.
No. Both the USD and BTC savings accounts offer 100% liquidity. There are zero lock-up constraints or withdrawal penalties. That means you can spend, transfer, or withdraw your assets instantly at any time.
The BTC Credit Fund is an investment fund managed by Hilbert Capital.3 It earns yield by lending pooled member Bitcoin to secure, well-capitalised financial institutions.5
Unlike our standard savings accounts, the Fund operates on structured monthly liquidity cycles. To withdraw capital, members must submit a redemption request adhering to a standard 30-day notice period.
The two share classes offer different ways to receive the yield from your investment in the BTC Credit Fund. You can choose either option to better suit your wealth strategy.
Accumulative: This option reinvests your yield back into the fund. It can allow the value of your shares to grow & compound over time, but you don't receive regular payouts. This is ideal if your goal is long-term growth.
Distributive: This option pays out your yield in Bitcoin to your BTC Savings account every month. The BTC amount of your original shares is not reduced by the payout mechanism. This is suitable if you prefer receiving payouts from your investment.
We calculate interest daily on your USD deposits based on our current variable rate. Instead of adding US dollars to your balance, the yield is converted to and deposited directly into your account as native Bitcoin (BTC). This allows you to hold stable fiat while continuously accumulating Bitcoin.
No. Both the USD and BTC savings accounts offer 100% liquidity. There are zero lock-up constraints or withdrawal penalties. That means you can spend, transfer, or withdraw your assets instantly at any time.
Interest for both the USD and BTC savings accounts is calculated and distributed daily. Your earnings begin compounding immediately upon deposit.
The BTC Credit Fund is an investment fund managed by Hilbert Capital.3 It earns yield by lending pooled member Bitcoin to secure, well-capitalised financial institutions.5
The fund requires a minimum allocation of USD 120,000 equivalent in Bitcoin.
Unlike our standard savings accounts, the Fund operates on structured monthly liquidity cycles. To withdraw capital, members must submit a redemption request adhering to a standard 30-day notice period.
Yes. You can choose between two options depending on your goals:
Accumulative Shares: Automatically reinvest your yield to compound your growth.
Distributive Shares: Pays out your yield monthly to your BTC Savings account.
The two share classes offer different ways to receive the yield from your investment in the BTC Credit Fund. You can choose either option to better suit your wealth strategy.
Accumulative: This option reinvests your yield back into the fund. It can allow the value of your shares to grow & compound over time, but you don't receive regular payouts. This is ideal if your goal is long-term growth.
Distributive: This option pays out your yield in Bitcoin to your BTC Savings account every month. The BTC amount of your original shares is not reduced by the payout mechanism. This is suitable if you prefer receiving payouts from your investment.
The BTC amount of your original investment is not reduced by the monthly payout mechanism. When you select the "Distributive" share class, (monthly payout), only the yield generated by your investment is paid out to you each month. Your original investment amount remains in the BTC Credit Fund.
