What are Xapo Bank's benefits?

What are Xapo Bank's benefits?

Blend the power of crypto into a banking app so you can grow your wealth and transact with unparalleled flexibility.

Evolve your wealth

1. Enjoy seamless management of Bitcoin and US Dollars in one App, merging the best of digital and traditional finance for effortless control.
2. Boost your savings with annual interest* on US Dollar and Bitcoin balances, paid out daily for real-time growth.
3. Diversify your digital portfolio with established cryptocurrencies, including Ethereum (ETH), Cardano (ADA), and Polygon (MATIC).
4. Access the US stock market effortlessly, buying S&P500 and NASDAQ stocks from anywhere across the globe.
5. Keep your Bitcoin safe for the long haul in our BTC Vault, with extra layers of security that you control.
6. Rest assured, with up to €100,000 protection on your US dollar deposits, offering you financial peace of mind.
7. Trust in the Fort Knox of Bitcoin – your digital assets are safeguarded by top-tier security.
8. Receive personalized banking with a dedicated account manager, backed by our Membership Services, available 24/5 for comprehensive support.

Fiat & Crypto in Motion

• Send Bitcoin in a flash and for a fraction of the fee with the Lightning Network.
• Send and receive USDC and USDT directly to and from your USD account with instant and automatic conversions.
• Experience global financial freedom with a card* that facilitates worldwide payments and withdrawals and earns up to 1% cashback.
• Convert US Dollars to Pound Sterling and Euros quickly and simply via FPS and SEPA, making international spending and sending as easy as local transactions.

Don’t budget more than you need to, thanks to competitive exchange rates for your transactions.

*The Annual Interest Rate offered on US dollar and Bitcoin deposits is variable and may change anytime. Both US dollars and Bitcoin earned interests are paid out in satoshis and added daily to your Bitcoin balance.

**The Xapo Bank card is not available in every country.