Unlock Global Wealth with Xapo Bank
Why Xapo Bank?
One Membership. Infinite Potential.
For 1,000 USD/year, secure* your wealth at Xapo Bank with daily Bitcoin earnings, global access, and liquidity — all backed by over a decade of expertise. See what sets us apart.Xapo Benefits
What you getSecure Bitcoin Custody*
- Hold your digital assets in military-grade Bitcoin custody, built on advanced multi-signature cold storage infrastructure
Earn Bitcoin rewards everyday
- 3.75% APY on USD balances
- 0.5% APY on up to 5 bitcoin
- Rewards paid out daily in bitcoin
Global debit card
- Spend in BTC or USD, no FX fees
- Free ATM withdrawals (up to 100 USD/month)
- Up to 1% cashback in BTC on eligible card fiat purchases
Trade and invest with confidence
- Buy and sell Bitcoin with just 0.10% spread – lowest in the market
- Invest in the US stock market and other crypto assets from anywhere
- Peace of mind with SIPC insurance up to 500k USD on stocks and ETFs
Send money instantly, anywhere
- Instant Bitcoin payments with Lightning Network
- Send and receive USDT/USDC
- Global transactions made easy with SEPA, FPS, Fedwire, ACH, SWIFT, and more
Borrow without selling your Bitcoin*
- Access loans up to 1M in USD in minutes
- Up to 40% LTV with flexible payment terms
- No origination or early repayment fees
- No rehypothecation so your Bitcoin remains in your control
*References to the terms “Protected” and “Secure” in the context of crypto assets on this webpage relate solely to the technical and operational security features of Xapo Vasp Limited, and do not imply any form of deposit protection, guarantee or regulatory safeguard. For further details on the security features available, please visit: https://www.xapobank.com/en/blog/banking-your-btc. Bitcoin-backed loans are not currently available in the United Kingdom.
This Financial Promotion has been approved by Xapo Bank Limited on August 11, 2025.
FAQs
How does Xapo Bank secure my money?
Xapo Bank integrates the services of a fully licensed and regulated bank and VASP by the Gibraltar Financial Services Commission. USD deposits are protected under the Gibraltar Deposit Guarantee Scheme up to €100,000. Your Bitcoin is secured with military-grade technology and is never rehypothecated. Xapo Bank has safeguarded billions in assets.
When do I have to pay the 1,000 USD membership fee?
Once your membership has been approved, you’ll be asked to make a deposit. The annual Xapo Bank membership fee is automatically deducted in full when you have a balance of at least USD 1000 or the equivalent in Bitcoin. If your balance is insufficient, your Xapo Bank account will be restricted until you add sufficient funds. This fee enables us to deliver a rare banking experience that allows you to store and protect your wealth in US dollars and Bitcoin seamlessly. This also covers your debit card creation and delivery, and a free card replacement per year if needed
How long does it take to get started?
Getting started is quick and easy. Once you've completed the membership sign-up, most accounts are reviewed and approved shortly after.
Can I cancel my membership?
Yes. You can cancel at any time. There are no lockups or penalties, and our team will help you withdraw or transfer your funds securely. If you cancel within the first 14 days of activating your membership, you’ll receive a full refund of your annual fee. Should you request a refund after the initial 14 days, we’ll provide a partial refund for the remaining period until your next annual renewal.
Is Xapo Bank available in my country?
Xapo Bank serves members in most countries. However, availability may vary due to local regulations.
Are there any other fees besides the membership fee?
We’re committed to complete clarity and honesty, so you’ll always know exactly what you’re paying for. Alongside our annual membership fee, there are a few minimal charges to cover transaction costs—no hidden fees, ever.
How does Xapo Bank secure my money?
Xapo Bank integrates the services of a fully licensed and regulated bank and VASP by the Gibraltar Financial Services Commission. USD deposits are protected under the Gibraltar Deposit Guarantee Scheme up to €100,000. Your Bitcoin is secured with military-grade technology and is never rehypothecated. Xapo Bank has safeguarded billions in assets.
Can I cancel my membership?
Yes. You can cancel at any time. There are no lockups or penalties, and our team will help you withdraw or transfer your funds securely. If you cancel within the first 14 days of activating your membership, you’ll receive a full refund of your annual fee. Should you request a refund after the initial 14 days, we’ll provide a partial refund for the remaining period until your next annual renewal.
When do I have to pay the 1,000 USD membership fee?
Once your membership has been approved, you’ll be asked to make a deposit. The annual Xapo Bank membership fee is automatically deducted in full when you have a balance of at least USD 1000 or the equivalent in Bitcoin. If your balance is insufficient, your Xapo Bank account will be restricted until you add sufficient funds. This fee enables us to deliver a rare banking experience that allows you to store and protect your wealth in US dollars and Bitcoin seamlessly. This also covers your debit card creation and delivery, and a free card replacement per year if needed
Is Xapo Bank available in my country?
Xapo Bank serves members in most countries. However, availability may vary due to local regulations.
How long does it take to get started?
Getting started is quick and easy. Once you've completed the membership sign-up, most accounts are reviewed and approved shortly after.
Are there any other fees besides the membership fee?
We’re committed to complete clarity and honesty, so you’ll always know exactly what you’re paying for. Alongside our annual membership fee, there are a few minimal charges to cover transaction costs—no hidden fees, ever.
