All-access
Bitcoin

Buy. Send. Spend.

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

Make moves Make moves

Move

Accessing your Bitcoin shouldn’t be a hassle. No more jumping through multiple apps, waiting on slow transactions, or dealing with hidden fees. Xapo Bank makes moving Bitcoin seamless — buy, send, and spend in one place, instantly and affordably.

Instant BTC transfers
With the Lightning Network
Buy, send, and spend
24/7, no delays

Spend freely and earn
Bitcoin Spend freely and earn
Bitcoin

Move

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, all while earning up to 1% cashback in Bitcoin.

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.

Trade up Trade up

Trade

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

Instantaneous
transfers Instantaneous
transfers

Send and receive USD

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.

List of elligible countries for Xapo Bank card:

Åland Islands
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antigua and Barbuda
Argentina
Armenia
Aruba
Austria
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bonaire
Botswana
Bouvet Island
Brazil
British Indian Ocean Territory
British Virgin Islands
Brunei
Burkina Faso
Burundi
Cambodia
Cameroon
Cape Verde
Cayman Islands
Chad
Chile
China
Christmas Island
Cocos Islands
Colombia
Comoros
Congo
Cook Islands
Costa Rica
Curaçao
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Guiana
French Polynesia
French Southern and Antarctic Lands
Gabon
Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Heard Island and McDonald Islands
Honduras
Hungary
Iceland
Ireland
Isle of Man
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kiribati
Kosovo
Kuwait
Kyrgyzstan
Laos
Lesotho
Liberia
Liechtenstein
Luxembourg
Macao
Madagascar
Malawi
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Micronesia
Midway Islands
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Namibia
Nauru
Nepal
Netherlands
New Caledonia
New Zealand
Niger
Niue
Norfolk Island
North Macedonia
Northern Mariana Islands
Norway
Oman
Pakistan
Palau
Panama
Papua New Guinea
Paraguay
Peru
Pitcairn Islands
Poland
Portugal
Puerto Rico
Qatar
Reunion
Romania
Rwanda
Saint Barthelemy
Saint Helena, Ascension and Tristan da Cunha
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Seychelles
Sierra Leone
Singapore
Sint Maarten
Slovakia
Slovenia
Solomon Islands
South Africa
South Georgia and the South Sandwich Islands
South Korea
Spain
Sri Lanka
Suriname
Svalbard and Jan Mayen
Swaziland
Sweden
Switzerland
Tahiti
Taiwan
Tajikistan
Tanzania
Timor-Leste
Togo
Tokelau
Tonga
Trinidad and Tobago
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
Ukraine
United Arab Emirates
United Kingdom
Uruguay
US Minor Outlying Islands
US Virgin Islands
Uzbekistan
Vanuatu
Vatican City
Vietnam
Wake Island
Wallis and Futuna
Western Sahara
Yemen
Zambia

What sets Xapo
Bank apart?

Crypto Exchanges

Hardware Wallets

Traditional banks

Global access and account management

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

Xapo Bank is the only way to bank your Bitcoin

Join XapoBank  inminutes

Join XapoBank 
 inminutes

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.

Learn More

Here’s what you’ll need:

01Identification

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

02Personal details

Easily verified using your mobile phone.

03Security details

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