Xapo Bank offers the best spread in the market, saving you up to 90% on all-in trading fees compared to leading exchanges.
Institutional Rates When Trading Bitcoin
Your Wealth has Global Reach
Xapo Bank’s Integrated USD and Bitcoin accounts provide global financial access that traditional banks cannot match.1
Send, receive & withdraw USD, GBP, and EUR via RTP, FedACH, SWIFT, and local UK/EU networks.
Use the Lightning Network for instant Bitcoin transfers and manage USDC/USDT stablecoins directly in-app.
Manage your finances 24/7 from one intuitive app. No banking hours, no friction.
Bitcoin Wealth on Autopilot
Don’t stress about timing the market when you can build your position consistently with automated daily, weekly, or monthly purchases.
Our institutional rates ensure you get the best possible deal on every recurring buy.
Integrated dollar-cost averaging feature ensures a balanced entry price over the long term.
Purchases can be deposited directly into your savings account to secure your wealth.
The Card for Your Global Lifestyle
Your Xapo Bank membership includes a debit card, allowing you to spend your U.S. dollars or Bitcoin no matter where you are in the world, with no hidden fees on international spending and protection for your wealth.
Spend in any currency with no FX fees and no hidden markups on your transactions, no matter where you use your card.3
Move through the world with confidence, knowing your assets are protected by our bank-grade security and proactive fraud monitoring.
Experience the flexibility of high spending limits and a complimentary premium metal card.
Use your Bitcoin for everyday purchases with no fees and ultra-low spreads.
FAQs
See all FAQs
The Xapo Card is an add-on to your account. Please note that certain activities involving the card incur fees such as:
Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month: 2% of the withdrawal amount, ATM operator fees may apply.
Additional replacement card in a year (January-December): 25 USD
Yes, the premium metal debit card allows you to spend your Bitcoin and USD balances globally. You can select which account to make payments from your card with. The card is accepted for purchases and ATM withdrawals in over 100 countries, giving you the flexibility to use your assets for everyday transactions.
For instant transactions, Xapo Bank is integrated with the Lightning Network. This Layer 2 payment protocol is built on top of Bitcoin and is designed for fast, low-cost transfers, making it ideal for smaller, everyday payments.
You can send and receive USD via SWIFT, and for domestic US payments, ACH is also supported. Xapo Bank also offers a multi-currency and multi-asset rails. For fiat, this includes Faster Payments for GBP and SEPA for EUR. For cryptocurrencies, the platform integrates with the Lightning Network for instant, low-cost Bitcoin transactions and supports stablecoins like USDC and USDT for deposits and withdrawals.
With the Xapo Card, you can make most kinds of day-to-day transactions – online payments, ATM withdrawals, and Point-of-Sale purchases, to name a few. For security reasons, some transaction types are not supported. If your payment can not be processed, we will notify you immediately.
Xapo Bank offers you zero-commission exchange rates for spending and withdrawal in currencies other than US dollars. For this reason, we strongly recommend that you do not use Dynamic Currency Conversion (DCC) when interacting with merchant terminals.
For large trades, Xapo Bank provides a white-glove Over-the-Counter (OTC) service through your dedicated Relationship Manager. This service is available for trades of any size, particularly those over $200,000, and can be assisted through the app with your Relationship Manager.
The Xapo Card is an add-on to your account. Please note that certain activities involving the card incur fees such as:
Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month: 2% of the withdrawal amount, ATM operator fees may apply.
Additional replacement card in a year (January-December): 25 USD
With the Xapo Card, you can make most kinds of day-to-day transactions – online payments, ATM withdrawals, and Point-of-Sale purchases, to name a few. For security reasons, some transaction types are not supported. If your payment can not be processed, we will notify you immediately.
Yes, the premium metal debit card allows you to spend your Bitcoin and USD balances globally. You can select which account to make payments from your card with. The card is accepted for purchases and ATM withdrawals in over 100 countries, giving you the flexibility to use your assets for everyday transactions.
Xapo Bank offers you zero-commission exchange rates for spending and withdrawal in currencies other than US dollars. For this reason, we strongly recommend that you do not use Dynamic Currency Conversion (DCC) when interacting with merchant terminals.
For instant transactions, Xapo Bank is integrated with the Lightning Network. This Layer 2 payment protocol is built on top of Bitcoin and is designed for fast, low-cost transfers, making it ideal for smaller, everyday payments.
For large trades, Xapo Bank provides a white-glove Over-the-Counter (OTC) service through your dedicated Relationship Manager. This service is available for trades of any size, particularly those over $200,000, and can be assisted through the app with your Relationship Manager.
You can send and receive USD via SWIFT, and for domestic US payments, ACH is also supported. Xapo Bank also offers a multi-currency and multi-asset rails. For fiat, this includes Faster Payments for GBP and SEPA for EUR. For cryptocurrencies, the platform integrates with the Lightning Network for instant, low-cost Bitcoin transactions and supports stablecoins like USDC and USDT for deposits and withdrawals.
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.
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