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.

The best way to build your Bitcoin wealth

• Earn 4.6% APY on your USD Savings for your first 90 days, paid daily in Bitcoin, then 4.1% variable with no lock-ups.
• Move USDC via Ethereum into your USD Savings account, converted 1:1 in USD with no additional fees.
• Or fund your account with USDT, USD, GBP, EUR, or a BTC transfer. Stablecoins and fiat convert automatically to USD.

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.