You were right about Bitcoin
Now you have a bank that understands. Protect and grow your wealth with Xapo Bank.
What's required to join
- A valid international passport or national ID card.
- Personal details to confirm who you are and where you live.
- A real-time photo or short video clip in the app to verify your identity.
- $1000 USD annual membership fee.
Your fastest on-ramp to membership
- Move USDC via Ethereum into your USD Savings account, converted 1:1 in USD with no additional fees.3
- Stablecoins and fiat automatically convert to USD. Your USD Savings account earns 3.35% variable yield on high-quality liquid assets, paid daily in Bitcoin.4
- Or fund your account with USDT, USD, GBP, EUR, or a BTC transfer.
Get $500 USD towards your membership fee
- Invite a friend to Xapo Bank. After 33 days, you'll each receive a $500 USD reward.
- Paid in Bitcoin (UK residents receive it in USD instead).1,2
A risk-free 30-day trial period
- Enjoy a risk-free trial period to experience the power of Xapo's product suite.
- Get in touch if Xapo isn't the right product for your current needs. We will offer you a full refund within the 30-day window.
A dedicated Relationship Manager
- Membership includes a dedicated Relationship Manager: a real person who knows you and your account.
- Reach out any time for personalised assistance when you need it most.
Layered Security
- Zero Bitcoin lost to a security incident in our entire operating history.
- Your Bitcoin is secured by MPC-CMP custody: the full private key never exists in one place. Not at creation, not at signing, not ever.
- Bitcoin is held 1:1, legally segregated under Gibraltar's DLT framework. Never lent, never rehypothecated.