Xapo Bank Savings account is a separate internal account that you can take advantage of by transferring funds from both your BTC and USD Wallets and into your Savings accounts. Xapo Bank Savings account is not directly linked to external financial transfers and offers a secure, "bunker-like" experience for storing your savings.
Whereas your Xapo Bank Wallet is handling your daily expenditures such as card payments and money transfers, Xapo Savings allows you to grow your money in secure and responsible manner. You must ensure you have enough funds available in your Xapo Wallet for those payments, as funds held Savings will not be used to cover them.
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