Secure your wealth for the long term, accumulate BTC with institutional-grade growth, and start your journey with a dedicated Relationship Manager, today.
Our Membership includes
Up to 4% APY1
Interest Paid in Bitcoin
Increase your Bitcoin stack and benefit from the upside. BTC and USD deposits earn interest in Bitcoin
Flexible Loans Against your Stack2
Bitcoin Lines of Credit
Draw what you need, repay on your terms, and keep your credit line open, all without selling your BTC or losing your upside.
Vaults, MPC technology & Regulation
Ultimate Security & Custody3,4
Wealth security built for peace of mind with robust features from a regulated Bank and VASP.
Save up to 70% on Bitcoin Trading fees
Market Leading Trading Fees
Xapo offers Institutional-grade spreads as low as 0.29% saving you money on every trade.
A Global Debit Card
Zero FX Fees on Spending
As part of the Visa and Mastercard network, use your card anywhere and at ATMs worldwide.
Gain Exposure to Stocks, ETFs, Gold & more
Expand Your Portfolio
Secure your Bitcoin and diversify your wealth without leaving the app. All managed from an integrated investment dashboard.6
Use USD, GBP, EUR, Stablecoins & BTC3
Send, Spend & Save Anywhere
Manage your wealth with accounts that connect your Bitcoin to global payment rails like SEPA, FedWire, ACH, and Faster Payments.
A Person, Not a Queue
Human Support Always
Significant wealth deserves more than an app. Your relationship manager is one call away.
Limit and Automated Orders
Zero Idle Capital
Set limit orders or automated buys. Your capital keeps earning until you're ready to deploy.6
$1000 USD /year
Your membership pays for itself
Slide to discover your deposit's potential
20 BTC
1 BTC100 BTC
Potential yearly earnings (4% APY)
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Available to borrow
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This calculator is for illustration only. It uses the live BTC price and assumes that the price remains constant. Bitcoin price fluctuates, so actual returns may differ. Nothing displayed here should be considered financial or investment advice.
Capital Ratio167%
EstablishedIn 2013
Liquidity Ratio1663%
Capital Ratio167%
EstablishedIn 2013
Liquidity Ratio1663%
Know exactly what you pay
—no surprises, ever
Xapo Bank is built on transparency.
We charge honest fees so you always stay in control of your money with no hidden charges.
Transaction Type
Fee
Faster Payments (UK)
£0.15 per transaction
SEPA transfers (EU)
Deposits €0.10; Outbound SEPA SCT €0.15, SEPA Instant €0.20
FedACH deposits
$0.50 + 0.1% of transaction value
FedWire deposits
$20 + 0.1% of transaction value
FedACH withdrawals
$30 + 0.15% of transaction value
Features & Accolades
Still unsure or have questions?
Still unsure or have questions? Our Relationship Managers are standing by to help you make the move to Xapo Bank. Xapo Bank also offers a chance to see if our services are for you. Receive a full refund of the annual $1,000 fee if you cancel your membership within the first 30 days.
Speak to a Relationship Manager