Customer completing a credit card transaction at a shop checkout counter, using a retail point-of-sale terminal machine for a secure payment.

All-access Bitcoin Buy. Send. Spend.

Xapo Bank gives you the freedom to buy, send, and spend Bitcoin instantly, globally, and effortlessly.

A metallic bronze Bitcoin cryptocurrency coin angled on a dark surface, illuminated by a dramatic beam of light.

Spend freely and earn Bitcoin

Spend Bitcoin on anything, anywhere, from lattes to Lamborghinis. Your Xapo Bank global debit card gives you the freedom to make purchases from billions of merchants around the world using your BTC or USD balance, without foreign exchange fees. Pay in-store, online, or withdraw cash at ATMs.

Earn up to 1% cashback in Bitcoin on your purchases using Bitcoin  or USD balance.

Your Bitcoin is as good as cash anywhere that accepts Visa or Mastercard.

No FX fees for seamless international spending.

Abstract 3D render of floating copper tokens or blank coins, representing wealth accumulation, digital currency, and premium financial assets in a minimalist design.

Trade up

With Xapo Bank, you can manage your BTC, USD, and a host of other assets in a single app.

Flat 0.5% fee on all crypto and stock trades

Save 90%* on BTC trading fees compared to leading competitors

Trade 24/7 — access markets anytime, anywhere, automatically

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Instantaneous transfers

Move your money instantly with USDC and USDT.

Send and receive USD in seconds. No delays. No fees.

Ditch slow bank wires Enjoy seamless, instant transactions with the Lightning Network.

What sets Xapo Bank apart?

Crypto Exchanges

Hardware Wallets

Traditional banks

Get up to 1% cashback in BTC on debit card purchases

Zero foreign exchange (FX) fees on global transactions

Best-in-class Bitcoin prices. Save up to 90%* on trading fees.

Seamless payments with fiat, stablecoins (USDC & USDT), and Bitcoin.

Globally accepted debit cards for purchases. Metal, PVC, and virtual cards available.

Instant Bitcoin transactions with the Lightning Network for fast, low-cost transfers.

Enjoy free ATM withdrawals—up to $100 per month

Multi-currency transfers in USD, GBP, and EUR

Customer completing a secure, contactless tap-to-pay transaction using a premium Xapo Bank metal debit card at a high-end resort checkout.

Become a member for USD 1,000/YEAR

Experience premium banking designed for your financial future. For USD 1,000/year, you’ll unlock world-class services that provide top-tier security, personalized support, and seamless transactions wherever you are.

Here is what you’ll need for your application.

Identification An ID or passport, plus a quick selfie for secure verification.

Personal details Easily verified using your mobile phone.

Security details We’ll safeguard your account with state-of-the-art security measures.