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Better banking for your friend, $500 USD for both of you

Xapo Bank

August 7, 2026

Written by Xapo Bank

Get $500 USD for every friend you refer to Xapo Bank. No limits, no catch – just more rewards for you and your network.
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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 as a one-time payment for every friend you invite who joins the Xapo community. Your friend earns $500 USD, too.

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.

  • Your friend gets $500 USD.

  • The reward is paid once your friend has been a paid member for just 33 days.

How it works.

  1. 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.

  2. Your referee joins Xapo: They sign up and become an active, paid member of the bank.

  3. 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 $500 USD reward will be deposited in both of your Xapo Bank accounts. 

Note: Please ensure you’ve installed the latest version of the Xapo Bank app on both iOS and Android to access referral features.

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, with referral mechanics tailored to regional requirements.

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.

  • Investment hub: Buy US stocks and select cryptocurrencies directly in the app.

Get rewarded

Invite your inner circle and make sure the people you care about have a secure platform to grow their wealth – and get rewarded for doing it.

Start referring now

Disclaimer

We provide this article for general information only. It is not legal, financial, or professional advice, and you should not treat it as a substitute for advice tailored to your specific situation. While we strive for excellence Xapo Bank does not guarantee that the information in this article, or any content linked within it is always accurate, complete, or up-to-date. We provide this “as is” without any formal warranties.
Banking services are provided by Xapo Bank Limited, which is regulated as a Credit Institution by the Gibraltar Financial Services Commission (Permission No. 23171). Crypto services are separate and are provided by Xapo VASP Limited, which is regulated as a Distributed Ledger Technology Provider by the Gibraltar Financial Services Commission (Permission No. 26061).
Our Xapo Bank UK referral scheme pays rewards in USD. To receive your reward, both you and the person you refer must meet our eligibility criteria. You can learn more in our Referral Website.

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