Balance your Bitcoin alongside selected altcoins and the proven resilience of the S&P 500 and NASDAQ. With no hidden fees, Xapo gives you access to US and international markets.1,2
DCA the easy way
Focus on optimising your strategy while Xapo does the work. Set up recurring buys to Dollar Cost Average (DCA) both your stocks and Bitcoin without 24/7 monitoring. 1,2
Set your ideal entry with limit orders
For the entries you've already decided on. Set a limit order once and get on with your life: no chart-watching, no 3am alerts. Your order fills the moment the market comes to you, at your price, not the market's mood. Live now for stocks and ETFs, coming soon to Bitcoin.2
Invest in
S&P 500
NASDAQ
ETFs
Altcoins
Indicies
Invest in S&P 500 & NASDAQ Stocks2
Instantly buy shares of Apple, NVIDIA, Microsoft, Tesla, and others, all available directly from your Xapo Bank app.
Add U.S. Equities to your wealth portfolio
Buy and sell whole or fractional shares
0.5% flat fee on trades, no hidden costs
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ETFs
Improve Your Exposure with Leading ETFs 2, 3
Diversify with ETFs from Vanguard and beyond. Access gold, silver, and specialised funds to spread your risk and broaden your market exposure.
Lower expense ratios than mutual funds, with zero fees
Auto-reinvest dividends for compounding growth
Manage your entire portfolio from one interface
GLD
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SIVR
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VOO
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SPY
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VTI
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QQQ
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Altcoins
Explore Different Cryptocurrencies1
Secure your wealth in Bitcoin while still exploring other cryptocurrencies to capitalise on new opportunities.
Invest in Ethereum (ETH) and Cardano (ADA)
Buy, hold and sell altcoins directly from the Xapo app
A transparent 1% fee is applied to each trade
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Activate your idle capital
Earn daily interest on your Bitcoin and cash with Xapo’s BTC and USD Savings accounts. All interest on your USD and BTC is paid out in Bitcoin (3.35% and 0.25% variable respectively), every day, allowing you to stack while you sleep. Deposited stablecoins auto-convert to USD.4,5
FAQs
See all FAQs
When buying, there's only one transaction fee. It's currently at 0.5%, charged by Xapo Bank, to support the delivery of our service. The fee is rounded up to the nearest cent. When you sell, the following fees apply:
0.5% Xapo Bank transaction fee, rounded up to the nearest cent.
The SEC fee: The SEC (Securities and Exchange Commission) fee is paid to the US Treasury to help offset the cost that the US government incurs when regulating the equities market. This fee is currently USD 0.000008 per share, with a minimum charge of USD 0.01 per trade.
The TAF: The TAF (Trading Activity Fee) is one of the regulatory fees levied by FINRA (Financial Industry Regulatory Authority) to cover the costs of supervising and regulating firms. This fee is currently USD 0.000145 per share, with a minimum of USD 0.01 and a maximum of USD 7.2 per trade.
The stocks available consist of companies listed in the S&P500 and top 250 stocks from NASDAQ. A part of the S&P500, these companies are carefully chosen by Standard and Poor’s (an established credit rating agency), based on their large market capitalisation and diverse representation of all major sectors of the American economy. Companies in the S&P500 can be considered "blue chip" stocks, and tend to have a record of stability. With the S&P500, you get access to the largest and most established companies in the United States, which have a proven track record of success.
When selling stock, you need to retain ownership of at least USD 5 worth of a company's stock. You cannot go below this amount, except if you intend to sell off all your stock in the company.
A fractional share is a portion of a whole share of stock that is less than one full share. It allows you to own a piece of a company's stock based on the amount of money you are willing to invest. Many brokerages offer the option to buy fractional shares, which can be helpful if the price of a full share is too high to afford in a single transaction. Just like with full shares, fractional shares entitle you to dividends and other rights of equity ownership. Fractional shares can make it easier to invest in a company by allowing you to buy a smaller amount of a share, like USD 10. This can be especially useful for removing barriers to entry for investing, as often, whole share prices are prohibitively high.
To protect our members from the risks of pattern day trading and avoid being flagged as a Day Trader, you can only execute three day trades within a rolling five-business-day period.
Yes, you can. If you wish to transfer your holdings from the Xapo Bank app to another brokerage, reach out to our Customer Success team via the in-app chat or at [email protected].
Please note that, depending on the transfer type, the following fees apply:
ACAT Out (USA) - USD 65.00 per Account
ACAT Out (Non-U.S.) - USD 65.00 per Account
Plus:
DTC Deliveries/ Receives - USD 35.00 per position
DWAC Transfer - USD150.00 per position
DRS Transfer Incoming and Outgoing - USD 55.00 per position
The Automated Customer Account Transfer Service (ACATS) enables the movement of securities between trading accounts, even if they're at separate brokerage firms or banks.
When buying, there's only one transaction fee. It's currently at 0.5%, charged by Xapo Bank, to support the delivery of our service. The fee is rounded up to the nearest cent. When you sell, the following fees apply:
0.5% Xapo Bank transaction fee, rounded up to the nearest cent.
The SEC fee: The SEC (Securities and Exchange Commission) fee is paid to the US Treasury to help offset the cost that the US government incurs when regulating the equities market. This fee is currently USD 0.000008 per share, with a minimum charge of USD 0.01 per trade.
The TAF: The TAF (Trading Activity Fee) is one of the regulatory fees levied by FINRA (Financial Industry Regulatory Authority) to cover the costs of supervising and regulating firms. This fee is currently USD 0.000145 per share, with a minimum of USD 0.01 and a maximum of USD 7.2 per trade.
A fractional share is a portion of a whole share of stock that is less than one full share. It allows you to own a piece of a company's stock based on the amount of money you are willing to invest. Many brokerages offer the option to buy fractional shares, which can be helpful if the price of a full share is too high to afford in a single transaction. Just like with full shares, fractional shares entitle you to dividends and other rights of equity ownership. Fractional shares can make it easier to invest in a company by allowing you to buy a smaller amount of a share, like USD 10. This can be especially useful for removing barriers to entry for investing, as often, whole share prices are prohibitively high.
The stocks available consist of companies listed in the S&P500 and top 250 stocks from NASDAQ. A part of the S&P500, these companies are carefully chosen by Standard and Poor’s (an established credit rating agency), based on their large market capitalisation and diverse representation of all major sectors of the American economy. Companies in the S&P500 can be considered "blue chip" stocks, and tend to have a record of stability. With the S&P500, you get access to the largest and most established companies in the United States, which have a proven track record of success.
To protect our members from the risks of pattern day trading and avoid being flagged as a Day Trader, you can only execute three day trades within a rolling five-business-day period.
When selling stock, you need to retain ownership of at least USD 5 worth of a company's stock. You cannot go below this amount, except if you intend to sell off all your stock in the company.
Yes, you can. If you wish to transfer your holdings from the Xapo Bank app to another brokerage, reach out to our Customer Success team via the in-app chat or at [email protected].
Please note that, depending on the transfer type, the following fees apply:
ACAT Out (USA) - USD 65.00 per Account
ACAT Out (Non-U.S.) - USD 65.00 per Account
Plus:
DTC Deliveries/ Receives - USD 35.00 per position
DWAC Transfer - USD150.00 per position
DRS Transfer Incoming and Outgoing - USD 55.00 per position
The Automated Customer Account Transfer Service (ACATS) enables the movement of securities between trading accounts, even if they're at separate brokerage firms or banks.
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
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