Secure Bitcoin Banking & Wealth Management

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Start your Xapo Application

Start Application Process

Xapo Membership fee

$1000 USD /year

Required for Membership Application

01. ID or passport
02. Personal details
03. Security details

01. ID or passport
02. Personal details
03. Security details

How you can pay for your Membership

Fiat$USD, £GBP, €EUR

StablecoinsUSDT, USDC

BitcoinBTC Transfer

$USD, £GBP, €EUR
USDT, USDC
BTC Transfer

Want $500 towards your membership fee?

By inviting a friend to experience Xapo Bank, you both receive $500 in Bitcoin upon their successful activation.

30-day refund policy

We offer a 30-day, risk-free trial. If you are not happy with our service, you can ask for your money back.¹

Why Xapo Bank?

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Interest Paid in Bitcoin

Up to 4% APY²

Increase your Bitcoin stack and benefit from the upside. BTC and USD deposits earn interest in Bitcoin

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Bitcoin Lines of Credit

Flexible Loans Against your Stack³

Draw what you need, repay on your terms, and keep your credit line open, all without selling your BTC or losing your upside.

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Ultimate Security & Custody^4,5

Vaults, MPC technology & Regulation

Wealth security built for peace of mind with robust features from a regulated Bank and VASP.

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Market Leading Trading Fees

Save up to 90% on Bitcoin Trading fees

Xapo offers Institutional-grade spreads as low as 0.10% saving you money on every trade.

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Zero FX Fees on Spending

A Global Debit Card

As part of the Visa and Mastercard network, use your card anywhere and at ATMs worldwide.

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Send, Spend & Save Anywhere

Use USD, GBP, EUR, Stablecoins & BTC⁴

Manage your wealth with accounts that connect your Bitcoin to global payment rails like SEPA, FedWire, ACH, and Faster Payments.

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Expand Your Portfolio

Gain Exposure to Stocks, ETFs, Gold & more

Secure your Bitcoin and diversify your wealth without leaving the app. All managed from an integrated investment dashboard.

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Advice & Support on Call

Speak to your Relationship Manager Anytime

Gain access to a dedicated Relationship Manager for navigating the Xapo Bank ecosystem and optimising your wealth strategy.

Still have questions before you join us?

Our Relationship Managers are standing by to help you make the move to Xapo Bank

Let's talk