The better way to move your Bitcoin

SAVE 90%*
ON BTC
TRADING FEES

SAVE 90%* ONBTC TRADING FEES

Bitcoin Trading with Xapo Bank
Bitcoin Trading with Xapo Bank
At Xapo Bank, we help you get more out of every Bitcoin trade. With our institutional-level pricing and low† spreads, you can keep more of your money where it belongs—in your pocket. Enjoy our lowest-ever rates with no minimum balance required and no loyalty periods.
Learn more about Institutional-Level Pricing

*Figure reflects differences between Xapo Bank’s BTC trading fees and 2 competitor Bitcoin banks, assuming Xapo Bank’s fees remain 0.1%.
Spreads on BTC/USD average 0.1% for all trades

Competitive Pricing

Enjoy pricing usually reserved for institutions, designed to help you maximize every trade.

Low Spreads

Keep more of your money on every trade with our lowest-ever spreads. Save up to 90% in trading fees compared to leading global crypto banks.

Efficient Trading

Trade confidently with our reliable, cutting-edge platform that ensures your transactions are quick and precise.

Move your funds
with ease
Move your funds
with ease

Get your funds where they need to go day or night.

Buy, send, deposit, transfer

Get your funds where they need to go day or night.

Instantly and affordably send, receive, and transfer your Bitcoin and US dollars all in one app. Deposit funds into your wallet for your day-to-day transactions, send and receive Bitcoin in just a few taps with the Lightning Network, or transfer to your savings account to start earning interest1, all available 24/7.

Learn about the Lightning Network

Spend freely, around
the world
Spend freely, around
the world

Bitcoin is accepted everywhere when you use your Xapo Bank card.

Spend

Bitcoin is accepted everywhere when you use your Xapo Bank card.

You can withdraw funds or make purchases from billions of merchants around the world using your BTC or USD balance.2 Pay with your secure virtual card online and use your PVC and metal cards for in-person payments, or to take out cash at an ATM. We don’t charge foreign exchange fees, and you’ll earn cashback in BTC on your purchases.3

Learn more about cashback

Buy and sell bitcoin in
your sleep
Buy and sell bitcoin in
your sleep

Set up automated recurring buys for Bitcoin so you never miss the dip.

Buy and sell bitcoin

Set up automated recurring buys for Bitcoin so you never miss the dip.

Put your Bitcoin savings on autopilot. There are no hidden fees, and no restriction on your funds.

Keep your private transactions, private

Tracking protection
Tracking protection
Your Bitcoin accounts feature privacy by design to protect your data and information. Transactions are only monitored by Xapo for your security.

Cashing in or out?

We make it easy and instant with access to global transaction networks at affordable rates.

Blockchain and Lightning Network

Send and receive Bitcoin

Federal Reserve Automated Clearing House

Send and receive USD

Bitstamp

Send and receive USDT

Single Euro Payment Area

Send and receive EUR

Circle

Send and receive USDC

Faster Payments Service

Send and receive GBP

Universal Money Address

Withdraw in BTC and ARS

More currencies coming soon.

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

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

Why Institutional-Level Bitcoin Pricing Matters for Your Trades

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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

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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

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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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