Earn USD 500+ a year per referral with our enhanced referrals program*
Our members have always been our biggest advocates – and now, we’re making it even more rewarding to spread the word.
With the new and ongoing Xapo Bank Referral Programme, you can earn USD 500+ over a year in bitcoin for every friend you invite who joins and meets the criteria. Your friend earns the same too.
There’s no limit to how many people you can refer, and your rewards keep growing the more people you bring on board.
What’s the deal?
Each time a friend joins Xapo Bank through your referral and meets the eligibility criteria, you both earn USD 42 in bitcoin per month for 12 months. After that, you’ll continue receiving USD 4 per month for life, so long as you both remain eligible.
That’s USD 504 per referral in year one, and ongoing rewards afterwards.
Here’s how it works
1. Share your link
Open the Xapo Bank app, head to your profile, and tap “Refer a Friend” to get your unique link.
2. Meet the criteria
To qualify for rewards, both you and your friend need to:
Hold at least USD 5,000 (or BTC equivalent) in your account at any point during the monthly cycle
Have an active paid Xapo Bank Membership
3. Get rewarded
Meet the criteria each month, and you’ll both get rewarded in BTC based on the average monthly bitcoin price. Miss a cycle? You can still qualify again the next month.
Why your friends will thank you
When you refer someone to Xapo Bank, you’re giving them access to:
Secure custody
Keep your Bitcoin safe and private with military-grade security and personalised protections.
Send & receive
Send USD, EUR, GBP and bitcoin quickly and affordably – including via Swift, Lightning and stablecoin auto-conversion.
Global debit card
Spend Bitcoin or USD anywhere. No FX fees. Free ATM withdrawals up to $100/month. Earn up to 1% cashback in BTC.
Daily bitcoin earnings
Earn 0.0% APY on your USD, and 0.0% APY on your BTC (up to 5 BTC), with rewards paid out daily in bitcoin for both.
Buy & sell bitcoin
Trade with just a 0.10% spread. No delays. Total control.
Borrow against bitcoin
Access cash without selling. Borrow up to $1M instantly with no early repayment fees.
Invest in the future
Buy US stocks, ETFs, and cryptocurrencies directly in the app. SIPC protection up to $500K.
Always-on support
Reach expert help 24/7. Get personalised service with a dedicated manager.
Start earning today
Refer your friends and get rewarded in bitcoin – month after month. It’s that easy.
