THE BETTER WAY TO EARN ON BITCOIN

Turn every opportunity into more Bitcoin. Earn daily BTC interest on both your BTC and USD balances¹. Get Bitcoin cashback every time you spend. Stack even more with referral rewards³. No staking, no lending, no hidden fees. Just pure Bitcoin earnings.

Hodl Transact Earn Grow Borrow

Pure Bitcoin yield. Zero risk. Pure Bitcoin yield. Zero risk.

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Your Bitcoin stays safe

Get Bitcoin, from your Bitcoin

Xapo Bank pays you real Bitcoin rewards without ever putting your BTC at risk⁵. We don’t lend or leverage your deposits. Instead, we use our own capital, so your Bitcoin stays safe while you keep stacking daily.

Learn how we generate yield without risking your Bitcoin

Earn Bitcoin yield on your US dollars Earn Bitcoin yield on your US dollars

Your access stays instant

Earn nearly 10x more than the norm*

Earn annual yield with no restrictions standing in your way. Your money stays liquid, your access stays instant, and your savings grow every day. We fuel your earnings using short-term US Treasury Bills and high-quality liquid assets, keeping your wealth protected while it works for you.

*Based on the National Rates and Rate Caps published by the FDIC on March 17, 2025.

Learn how we generate yield without risking your Bitcoin

Bitcoin yield, paid every single day Bitcoin yield, paid every single day

Watch your growth in real-time

The power of daily payouts

Most banks make you wait for your interest. Some only pay out quarterly or even yearly, while others offer rates so low they barely count.

With us, Bitcoin earnings hit your account every single day, keeping your savings working around the clock.

Why wait? Get your funds now Why wait? Get your funds now

Your money. Your rules.

No lock-ups. Just freedom

Some banks lock your money for up to 5 years or may even require 90 days' notice to withdraw it.

Xapo Bank? You can take out your money whenever you want. No minimum balance, no maintenance fees, and no waiting. Freedom and flexibility aren’t perks. They are the standard.

List of elligible countries for Xapo Bank card:

Åland Islands
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antigua and Barbuda
Argentina
Armenia
Aruba
Austria
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bonaire
Botswana
Bouvet Island
Brazil
British Indian Ocean Territory
British Virgin Islands
Brunei
Burkina Faso
Burundi
Cambodia
Cameroon
Cape Verde
Cayman Islands
Chad
Chile
China
Christmas Island
Cocos Islands
Colombia
Comoros
Congo
Cook Islands
Costa Rica
Curaçao
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Guiana
French Polynesia
French Southern and Antarctic Lands
Gabon
Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Heard Island and McDonald Islands
Honduras
Hungary
Iceland
Ireland
Isle of Man
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kiribati
Kosovo
Kuwait
Kyrgyzstan
Laos
Lesotho
Liberia
Liechtenstein
Luxembourg
Macao
Madagascar
Malawi
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Micronesia
Midway Islands
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Namibia
Nauru
Nepal
Netherlands
New Caledonia
New Zealand
Niger
Niue
Norfolk Island
North Macedonia
Northern Mariana Islands
Norway
Oman
Pakistan
Palau
Panama
Papua New Guinea
Paraguay
Peru
Pitcairn Islands
Poland
Portugal
Puerto Rico
Qatar
Reunion
Romania
Rwanda
Saint Barthelemy
Saint Helena, Ascension and Tristan da Cunha
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Seychelles
Sierra Leone
Singapore
Sint Maarten
Slovakia
Slovenia
Solomon Islands
South Africa
South Georgia and the South Sandwich Islands
South Korea
Spain
Sri Lanka
Suriname
Svalbard and Jan Mayen
Swaziland
Sweden
Switzerland
Tahiti
Taiwan
Tajikistan
Tanzania
Timor-Leste
Togo
Tokelau
Tonga
Trinidad and Tobago
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
Ukraine
United Arab Emirates
United Kingdom
Uruguay
US Minor Outlying Islands
US Virgin Islands
Uzbekistan
Vanuatu
Vatican City
Vietnam
Wake Island
Wallis and Futuna
Western Sahara
Yemen
Zambia

IT PAYS TO SPEND

Get up to 1.0% cashback when you use your Xapo Bank card

Get rewarded whenever you spend. Use your card at billions of merchants worldwide and earn up to 1.0% cashback with your sleek metal card, or up to 0.5% with your virtual or PVC card, all paid out in Bitcoin². Just another way to keep you stacking.