Our members have always been our biggest advocates, and we believe that sharing the future of banking should be as rewarding as it is easy. We have redesigned the Xapo Bank Referral Programme to be simpler, faster, and more impactful.
Now, you can earn $500 USD in Bitcoin as a one-time payment for every friend you invite who joins the Xapo community. Your friend earns $500 USD in BTC, too.
How it works: You share, you both earn.
There is no limit to how many people you can refer. With just two successful referrals, your annual membership fee is effectively covered.
You get $500 USD in BTC.
Your friend gets $500 USD in BTC.
The reward is paid once your friend has been a paid member for just 33 days.
How it works
Share your link or code: You’ll find it in the Xapo Bank app. Head to your profile, tap “Refer a Friend” to share your unique link. It doesn’t expire, and you can use it as often as you like.
Your referee joins Xapo. They sign up and become an active, paid member of the bank.
The 33-day mark: After your friend has been with us for 33 days, the reward is yours.
As long as both accounts are in good standing, the Bitcoin – calculated at the current market rate – will be deposited in both of your Xapo Bank Bitcoin accounts.
A word to our long-time members
Any referrals you made before these changes will stay exactly as they were – grandfathered under the old terms. You will continue to receive your monthly Bitcoin rewards for those members. For any members of your inner circle you bring in from today, you’ll simply move to this new $500 USD model, paid in BTC.
The essentials
No limits: You can invite one friend or twenty. There is no cap on how many people you can bring into the fold.
Active membership: To receive the reward, members must complete their onboarding and settle their annual membership fee.
Where we operate: We welcome members from all over the world, though local regulations mean this program is not yet available to our friends in the United Kingdom.
Why your friends will thank you
When you refer someone to Xapo Bank, you’re giving them more than just a reward; you’re giving them access to a premier wealth-protection platform:
Secure custody: Military-grade security to keep your Bitcoin safe and private.
Global payments: Send USD, EUR, GBP, and BTC quickly via SWIFT, Lightning, and stablecoin auto-conversion.
International debit card: Spend BTC or USD anywhere with no FX fees.
Daily BTC earnings: Earn competitive interest on your USD and BTC, paid out daily in Bitcoin.
Instant borrowing: Get a line of credit without selling your Bitcoin. Borrow up to 40% of your Bitcoin’s value instantly. Borrowing is not currently available in the UK & Australia.
Investment hub: Buy US stocks, ETFs, and cryptocurrencies directly in the app.
