Discover in which countries the Cryptocurrency feature is not available.

When selling stock, you need to retain ownership of at least USD 5 worth of a company's stock. You cannot go below this amount, except if you intend to sell off all your stock in the company.

No. There is no upper limit to the amount of BTC or USD that you can have stored in Savings

You will receive cashback paid in Bitcoin on all your qualifying Xapo card purchases. Spend US Dollars or Bitcoin – Earn Bitcoin. It’s that simple!

With just a few quick taps in the Xapo Bank app, you can easily create a recurring Bitcoin buy order.

Yes, stocks you buy could decrease in value and end up being worth less than what you paid for them, resulting in a loss.

If your recurring buy order cannot be executed due to insufficient funds in your USD Wallet account, you will be notified by email and push notification.

If you attempt to cancel your order at 9:30 AM EST, there is no guarantee that the order will be canceled. It may still be executed. To ensure cancellation, be sure to cancel your order before 9:30 AM EST.

You can place an after-hours order in the same way you would place a regular order. Simply select the stock you wish to trade and enter your order.

Unfortunately we cannot provide you with this type of advice. You have sole responsibility for making any applicable filings and complying with any and all applicable laws, rules and regulations relating to the management of your tax affairs.

Yes, as the owner of the stocks you purchase, you are entitled to any dividend issuance that occurs while holding the stock (even when holding fractions of stocks).

No, you cannot edit recurring orders yet. If you want to modify it, please delete the current recurring order and create a new one with the desired details.

A day trade is when you buy and sell or sell and buy the same financial instrument, like a stock or ETF, within a single trading day. It can be risky because market conditions can change quickly, and short-term price fluctuations are hard to predict.

As the BTC Vault is designed to keep your Bitcoin untouched and separate from your Wallet, BTC Savings account, and global debit card, balances held in the BTC Vault do not earn interest.

Investing is an important part of growing your wealth, and may be done in a safe, responsible manner if carried out correctly. Here are two reasons to invest.

This functionality is not available at this time. If you want to cancel recurring orders after some time, please tap on recurring order and then select “Delete recurring series”.

There are no limits on adding or withdrawing from USD or BTC Savings, add or withdraw funds at any time of day, with no fees attached.

Xapo Bank is the first regulated bank in the world to offer access to buy, hold and sell Cardano's native cryptocurrency, ADA.

A Layer-2 refers to any off-chain network, system, or technology built on top of a blockchain (commonly known as a layer-1 network) that helps extend the capabilities of the underlying base layer network.

Yes, you can cancel a transfer from the BTC Vault anytime during the 48-hour delay period. Simply tap Cancel on the transaction screen.

To trade stocks, you need to have a Tax Identification Number associated with your Xapo Bank account, in order to meet the global tax requirements.

You will receive interest on USD deposits in USD Savings and Bitcoin deposits in BTC Savings.

BTC Vault is a Bitcoin storage option that prioritises withdrawal security using additional authentication features and isn't interest-bearing.

For security reasons, Xapo Bank Support is unable to bypass the waiting period on vault withdrawals or move funds.

No. You can start using Savings with as little as 0.01 USD. Check more below.

The minimum buy value of USD 10 value helps to offset the operational costs of executing a trade, covering commissions and fees. It also encourages a value investing approach which minimizes risk in the long term.

Yes! You will receive a push notification when your after-hours orders are executed, and by tapping on it, you will be able to review the details of the executed order.

With just a few quick clicks, you can easily transfer funds between your USD & BTC Wallets and your Savings account at any time.

Yes, the stocks you buy are your own until you sell them, meaning you are also entitled to dividends on stocks that offer them, as well as other benefits of equity ownership.

Yes, you can. If you wish to transfer your holdings from the Xapo Bank app to another brokerage, reach out to our Customer Success team.

The BTC Vault has two additional security features that offer you more control.

Discover how to generate your trading report in the Xapo Bank app.

A Layer-2 refers to any off-chain network, system, or technology built on top of a blockchain (commonly known as a layer-1 network) that helps extend the capabilities of the underlying base layer network.

Most banks around the globe are very hesitant when it comes to cryptocurrencies, either limiting or even blocking the transactions associated with crypto companies.

To purchase stocks, you must first fund your USD Savings account. This account will serve as the transactional account for both buying and selling stocks, with the proceeds from any stock sales credited to your USD Savings account, after the funds have settled.

Take advantage of by transferring funds from both your BTC and USD Wallets and into your Savings accounts.

Stocks are available in many countries. Check the list of eligible countries.

If you would like to opt out of our Stocks account program, reach out to our Customer Success team.

No, you cannot use funds directly from Savings for purchases or transfers.

Cardano is a public, open-source blockchain platform, decentralised and utilising proof of stake for consensus. Its native cryptocurrency, ADA, enables peer-to-peer transactions.

Currently, you can only place one after-hours order per instrument. However, there are no restrictions on the number of different stocks for which you can place orders.

Execution times may vary but will be executed within the timeframes set (daily, weekly, monthly) starting on your declared day.

This will be the best rate Xapo can obtain at the moment of execution.

On the stocks homepage, these percentages reflect the total unrealised performance of all the stocks you hold. Unrealised gains or losses indicate the potential profit or loss you would experience if you were to sell your assets at that moment.

Cardano is a public blockchain platform, while ADA is its native cryptocurrency.

You can transfer balances to and from your BTC Vault anytime, with just a few taps. Check how below.

To protect our members from the risks of pattern day trading and avoid being flagged as a Day Trader, you can only execute three day trades within a rolling five-business-day period.

The one working day (T+1) settlement period is a standard process in the stock market that requires 1 working day for transactions to be completed.

Yes, Xapo Bank’s annual interest rate on Bitcoin deposits is limited to a maximum balance of up to and including 5 BTC.

Wealth Savings is a secure yet convenient solution for protecting and growing your USD and BTC funds in Wealth.

The BTC Vault differs from BTC Savings as there is the added protection of the 48-hour delay on withdraws from the vault.

A stock is an investment that represents a share of ownership in a company. In other words, if you own a stock of a company, you own a small portion of the company.

A dividend is the distribution of a company's earnings or reserves to its shareholders. As a shareholder, you may have the right to receive a portion of the company’s earnings.

All interest generated will be paid into BTC Savings in Bitcoin. You will be able to see your daily interest transactions by enabling the “Show interest transactions” toggle within BTC Savings.

DriveWealth is the broker-dealer and independent custodian Xapo Bank has partnered with to manage your investment account.

No, there are no additional fees for using recurring buy Bitcoin orders.

Building on our history of innovation, security and premium service delivery, we have designed a Wealth product that gives Xapo Bank members access to global investment opportunities.

A fractional share is a portion of a whole share of stock that is less than one full share. It allows you to own a piece of a company's stock based on the amount of money you are willing to invest.

Unfortunately, we currently do not support the transfer of stocks from an external broker into your Xapo Bank app.

Trading is currently available during the US market hours of 9:30 AM to 4:00 PM Eastern Time (ET) from Monday to Friday. These hours are set by the New York Stock Exchange (NYSE), where the securities being traded are listed.

When the markets are closed, what you will see is the last closing price from the last trading session.

No, it is not possible to disable the 48-hour delay for transfers out of the BTC Vault. If you prefer more instantaneous transfers to your Wallet, you can use BTC Savings.

At this time, we support market orders only, which allow users to buy or sell stocks at the best currently available market price.

Dividend issuance may be subject to US withholding tax, which will be withheld by our third-party broker (DriveWealth).

To benefit from dividend payments, you must purchase the stock before the “ex-dividend date” or “ex-date”.

The stock market is a platform where individuals and organisations can buy and sell shares of publicly traded companies.

At Xapo Bank, we take the protection of our members wealth very seriously.

No, while there isn't a physical vault or traditional cold wallet, the BTC Vault is highly secure with advanced cryptography. In addition, the Vault is separated from all card and external financial transfers.

Unfortunately, you can only buy stocks using your US dollar balance.

The stocks available consist of companies listed in the S&P500 and top 250 stocks from NASDAQ.

There are two main ways the money could possibly be made on the stock market.

Savings offers a secure alternative to the traditional USD & BTC Wallet, providing a "bunker-like" experience for you to store and earn a return on your savings with peace of mind.

Yes, the interest rates for both BTC and USD Savings accounts may be increased or decreased in the future.

Ethereum is a decentralised blockchain platform renowned for its smart contract functionality. Ether, the native cryptocurrency of Ethereum, ranks second-largest in market capitalisation, trailing only behind Bitcoin.

No, there are no additional costs for using the BTC Vault.

The 48-hour delay is an additional protection measure for BTC Vault withdrawals. If your device is stolen or you face coercion to transfer funds from your Xapo Bank account, the delay ensures your funds are safeguarded for the next 48 hours.

Yes, to start generating interest on Savings there is a minimum balance requirement for funds kept in both BTC and USD Savings accounts.

Yes, you can cancel the order at any moment before the US market opens at 9.30AM EST.

While many banks globally express concern over the increasing popularity of cryptocurrencies, some, like Xapo Bank, have adopted a more embracing approach and consider the huge potential that cryptocurrencies offer.

It is your responsibility to report and pay any taxes on capital gains from your investments, which includes profits made from selling the stock for more than you bought it.

To start earning interest on your holding you must move your funds to Savings. You can start earning with a few simple steps.

Dollar cost averaging is a strategy that helps deal with market volatility by making automated purchases at regular intervals. This method is versatile, and applicable to various assets, including Bitcoin, for more stable financial planning.

Proof of work and proof of stake are the two primary consensus mechanisms cryptocurrencies use to verify new blockchain transactions.

Discover the list of countries where the Crypocurrency feature is available.

No, Savings is one of Xapo Bank's key pillars and therefore there are no additional costs associated with it, whether or not you make use of it.

The Price to Earnings Ratio helps you understand if a stock is valued high or low by comparing its price to the money it makes (earnings).

After-hours orders are stock market orders that you can place outside the regular trading hours of the New York Stock Exchange (NYSE).

If you would like to place a trade that is larger than the maximum trade value, you can do so by placing multiple trades. For example, if you wanted to buy USD 200,000 of equity, you could place two separate trades of USD 100,000 each.

Exchange-Traded Funds (ETFs) are investment funds that are traded on stock exchanges, much like individual stocks. Learn more in this article.

You can buy and sell securities as long as your Xapo Bank investment account is active and you don't violate any rules specified in Xapo Bank's

Fees are charged on every transaction, buying and selling.

Yes. All your fiat deposits, including your funds held in USD Savings, are covered by the Gibraltar Deposit Guarantee Scheme up to the US dollar equivalent of €120,000*.

No, unlike fiat deposits, BTC funds held in the Vault are not insured. Eligible fiat deposits are protected by the Gibraltar Deposit Guarantee Scheme up to a maximum of the US Dollar equivalent of GBP 120,000.