The Lightning Network is a Layer 2 payment protocol layered on top of the standard Bitcoin network. It allows users to transfer Bitcoin between themselves without the need to validate the transaction via the standard Bitcoin network.

Blockchain fees are an essential aspect of sending and receiving cryptocurrencies.

We at Xapo Bank created an in-app-built option for your Bitcoin transfers to be processed based on your needs. You may opt between selecting a high or a standard priority when performing a Bitcoin withdrawal.

All Bitcoin transactions require six confirmations in the Blockchain from miners to be processed and credited to your account. In general, Bitcoin transactions usually take from one to one and half hours to complete.

Once you have added funds to your US dollar account, you can use your US dollars to purchase Bitcoin in the app. You can do so by following the steps below

If you would like to view your Bitcoin address you can follow a few steps in your Xapo Bank app.

Incoming and outgoing Bitcoin transactions are always subject to processing fees on Blockchain. You can find details on our Bitcoin transaction fee page.

At Xapo Bank you hold your own Bitcoin address where you can receive funds. Simply follow the steps below to locate your deposit address.

Prices may vary from time to time depending on the pricing criteria adopted by Xapo for buying and selling Bitcoin. You will be able to accept or decline the prices offered by Xapo before confirming your transaction on our app.

If your transaction is still pending, it may still be waiting to be included in the Bitcoin blockchain. Incoming Bitcoin transactions to your Xapo account require six confirmations in the blockchain from miners before they are credited.

Whitelisting sender addresses helps ensure your crypto deposits reach your Xapo Bank account safely and without interruption. This guide shows how to add an address, what to expect if a deposit comes from an unlisted sender, and how this process supports security and global regulatory requirements.