Investments & Markets

Within the Xapo Bank app, you can buy and trade a diversified portfolio of digital and traditional assets. This includes Bitcoin (BTC), and established cryptocurrencies such as Ethereum (ETH) and Cardano (ADA).

Additionally, you can invest in traditional markets by purchasing blue-chip US stocks from the S&P 500 and NASDAQ, as well as select Exchange-Traded Funds (ETFs) providing exposure to markets including the Nasdaq and S&P 500. Gold and silver ETFs and Strategy Inc. Class A Stock (MSTR) can also be purchased on Xapo for further portfolio diversification.

Yes, Xapo Bank charges competitive, transparent fees with no hidden costs. Visit our dedicated service fee page to view all fees.

At Xapo, we do not charge any direct Bitcoin transaction fees or commissions for buying and selling Bitcoin. When you exchange between US Dollars and Bitcoin, we simply apply a highly competitive spread of just 0.10% to the quoted price. This transparent, market-leading spread allows us to temporarily lock in your rate during processing. This ensures seamless, reliable execution of your trade with no hidden costs.

Yes, Xapo allows you to buy fractional shares of both US stocks and ETFs. We believe in providing flexible access to global wealth creation. You do not need to buy whole shares; you can invest in blue-chip US-listed companies and ETFs by purchasing fractional shares directly through the Xapo Bank app.

As the owner of the stocks and ETFs you purchase through Xapo Bank – even if you hold fractional shares – you are fully entitled to any declared dividend issuances. To qualify, you simply must purchase the stock before its "ex-dividend date".

Any earned dividends are conveniently and automatically paid out directly into your USD savings account the day after the official payment date.

Note: Not all stocks pay dividends, and past payments do not guarantee future ones.

To buy and sell Bitcoin, stocks, and crypto, simply navigate to the Wealth section to explore available assets, where you can fund your trades directly from your USD or Bitcoin balances.

• Stocks & ETFs: We currently support market orders, allowing you to buy or sell at the best available market price during US trading hours (9:30 AM to 4:00 PM ET, Monday to Friday). The minimum buy order is just $10.

• Bitcoin & Crypto: You can instantly convert between fiat and digital assets 24/7. Buying and selling are executed immediately, with your balances updating in real time.