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.
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
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.
Crypto Exchanges
Hardware Wallets
Traditional banks
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.
