Membership Benefits and Fees
Membership unlocks premium services designed to enhance your financial freedom.
Required for membership
- 01
Your national identity document or passport
- 02
Personal details
- 03
Security details
Secure custody
Rest easy knowing your Bitcoin is protected and private.
Send & receive
Send money faster, cheaper, and anywhere you need.
Earn Bitcoin daily
Turn your money into Bitcoin — automatically, every day.
Global debit card
Spend your Bitcoin or USD anywhere, with no FX fees.
Buy & sell with confidence
Trade at the best available rates.
Borrow without selling your Bitcoin
Access cash when you need it, without giving up your BTC.
Always-on support
Get expert help, anytime you need it.
Invest in the future
Diversify your portfolio without leaving the app.
Know exactly what you pay
—no surprises, ever.
Xapo Bank is built on transparency. We charge minimal, clearly stated fees to cover transaction
costs, so you always stay in control of your money with no hidden charges.
FAQs
Xapo Bank is a fully regulated financial institution that integrates traditional banking services (USD, EUR, GBP) with Bitcoin, all managed through a single mobile app.
An annual membership costs $1,000 and includes access to all premium services.
Members receive secure custody for Bitcoin and insured USD, daily interest earnings paid in Bitcoin, a global debit card with up to 1% cashback, low-cost trading, access to Bitcoin-backed loans, and 24/7 dedicated support.
Yes, your Bitcoin is protected by military-grade security in Swiss vaults, unique BTC addresses for privacy, two-factor authentication, and advanced fraud controls.
Yes. Earn 3.9% APY on USD (paid daily in BTC) and 0.5% APY on up to 5 BTC.
Yes. Spend BTC or USD globally with zero FX or ATM fees (up to $100/month) and earn up to 1% cashback in Bitcoin.
Use USD, EUR, and GBP via Swift, SEPA, FedWire, and Faster Payments. Send BTC instantly with Lightning Network and use stablecoins with automatic USD conversion.
Yes. Borrow up to $1 million using your BTC as collateral with no early repayment penalties.
No. Xapo Bank clearly lists all fees – there are no hidden charges.
Xapo Bank combines the best of both. Unlike exchanges, we are a regulated bank offering insured deposits and beneficiary services. Unlike traditional banks, we provide native Bitcoin integration, allowing you to earn, spend, and borrow against your BTC securely.