Your funds, your way: exploring Xapo Bank's comprehensive payment methods

Banking

July 8, 2025

Written by Xapo Bank

Whether you're sending funds to family overseas, topping up your USD account, or moving money between global bank accounts, having the right payment options matters.

Whether you're sending funds to family overseas, topping up your USD account, or moving money between global bank accounts, having the right payment options matters. That’s why Xapo Bank members have access to multiple options including Swift – the world’s most trusted network for international USD transfers – right from the Xapo Bank app.

Connecting you globally: international and domestic transfers

Navigating the global financial landscape requires versatile tools. Xapo Bank equips you with several established networks:

Swift for International USD Transfers: For our eligible members, the Swift network is available to facilitate US Dollar payments internationally, connecting members to a vast network of financial institutions in over 200 countries. This option is key for those needing to send or receive USD across the globe.
SEPA for Euro Transactions: If you're dealing with Euros, the Single Euro Payment Area (SEPA) network ensures efficient transfers within most of Europe.
ACH and FedWire for US Dollar Needs: For transactions within the United States, we provide access to both the Automated Clearing House (ACH) and FedWire systems for reliable USD transfers.
Faster Payments for GBP: Members transacting in British Pounds can utilise the Faster Payments Service for quick and easy transfers within the UK.

Embracing digital currency and innovation*

Beyond traditional rails, the Xapo Bank app is at the forefront of digital currency integration:

Universal Money Address (UMA): Send and receive assets globally using a simple, human-readable address. Send, for example, MXN to a Mexican bank, instantly and 24/7 through the SPEI network, via UMA.
Bitcoin deposits and withdrawals: Innovative security features give you state of mind when transacting your Bitcoin with the Xapo Bank app.
Lightning Network for Bitcoin: Experience the speed and efficiency of instant bitcoin payments with our Lightning Network support.
Stablecoin Flexibility: We facilitate sending and receiving USDT and USDC, with automatic conversion to USD in your account, simplifying your stablecoin transactions.

Why a diverse network matters

Having a range of payment options means you can choose the most appropriate method for your specific needs, considering factors like currency, destination, and transaction type. The Xapo Bank's app commitment to providing these varied rails, from established international systems like Swift to cutting-edge solutions like the Lightning Network, underscores our dedication to your financial autonomy.

We continue to ensure our platform supports your ability to manage both fiat and bitcoin within a secure, regulated environment.

Discover our payment rails

Disclaimer

This article is for general information purposes only and is not intended to constitute legal or other professional advice or a recommendation of any kind whatsoever and should not be relied upon or treated as a substitute for specific advice relevant to particular circumstances. We make no warranties, representations or undertakings about any of the content of this article (including, without limitation, as to the quality, accuracy, completeness or fitness for any particular purpose of such content), or any content of any other material referred to or accessed by hyperlinks through this article. We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

*Crypto asset services are provided by Xapo Vasp Limited, a company regulated by the Gibraltar Financial Services Commission as a ‘Distributed Ledger Technology Provider’ under Permission No. 26061 and not by Xapo Bank Limited. Xapo Bank Limited provides services exclusively in respect of fiat balances. Crypto asset deposits are not covered by the Gibraltar Deposit Guarantee Scheme.

Xapo’s services are exclusively offered from Gibraltar and regulated by the Gibraltar Financial Services Commission. None of the services referred to in our Website are available in any jurisdiction where such activity is prohibited. Persons who are resident outside Gibraltar should consult their professional advisers or local regulator to satisfy themselves of local regulatory requirements.

You acknowledge that your arrival to and use of our Website and any of its related mobile applications and other platforms and any requests for information are wholly unsolicited and are entirely out of your own initiative without prior direct communication from us.

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