Sophisticated colleagues or art enthusiasts engaged in an active conversation during an exhibition, showcasing elegant smart-casual style and creative networking.

Get $500 USD in Bitcoin for Every Member You Refer

Introduce your inner circle to Xapo Bank. 
When they join and fund their account, you will both receive a $500 USD in BTC reward.1

Art gallery visitors discussing contemporary landscape photography at an exhibition opening. The image captures a cultured couple engaging with framed artwork in a modern, brightly lit gallery space, highlighting city leisure and cultural lifestyles.

Unlimited earning potential

Refer as many friends as you'd like, with no cap. All it takes is an active membership following a 33-day validation period.

Four Easy Steps to your $500 USD in Bitcoin Reward

Link icon

Send your unique link or code to your inner circle. It's their entry into our private banking community.

User icon

Your referee completes onboarding and activates their Xapo membership by paying the annual fee.

Calendar Icon

They maintain an active account for the duration of their 33-day validation period.

Money reward icon

You both receive $500 USD in BTC. There are no limits—invite as many as you like and keep stacking.

Four well-dressed adults talking and holding wine glasses outdoors during a social gathering.

Get more Bitcoin for you and your inner circle

Earn Bitcoin rewards for every new member you introduce to Xapo Bank.

Get your referral code

If you are resident in the United Kingdom you will not be eligible to participate in our referral programme at this time.

To keep things simple, we’ve removed the $5,000 USD balance requirement. Now, you just need to meet these three conditions: 1. Your friend must sign up using your unique referral link. 2. Both accounts must remain active. 3. The referred friend must remain a member past the 33-day validation window.

Your code is yours for life—it never expires.

Yes, referred members earn a referral reward of $500 USD in BTC, provided they meet the eligibility requirements.

Once your referred friend has successfully opened their account and the 33-day validation period is complete, you and your friend will each receive your reward. The 500 USD payment will be made in BTC directly into your Xapo Bank Bitcoin wallet. To be eligible, both you and your friend simply need to have active accounts in good standing. The previous monthly requirement to maintain a minimum balance of $5,000 has been removed.

We do not offer financial or tax advice and always encourage our members to check their local tax regulations and obligations and get professional help when in doubt.

After your referred friend successfully joins and the 33-day validation period is complete, both you and your friend will each receive a one-time payment of $500 USD in BTC. This structure is designed to give a simple, significant, and upfront reward to both you and your friend for helping to grow the Xapo community. How many friends can I invite? There is no limit to the number of friends you can refer. However, to ensure the program remains fair and secure, we may implement a cap on rewards per specific campaign if necessary.

  • Send your unique link or code to your inner circle. It's their entry into our private banking community. 

  • Your referee completes onboarding and activates their Xapo membership by paying the annual fee. 

  • They maintain an active account for the duration of their 33-day validation period. 

  • You both receive $500 USD in BTC. There are no limits, invite as many as you like and keep stacking

If you are resident in the United Kingdom you will not be eligible to participate in our referral programme at this time.

Once your referred friend has successfully opened their account and the 33-day validation period is complete, you and your friend will each receive your reward. The 500 USD payment will be made in BTC directly into your Xapo Bank Bitcoin wallet. To be eligible, both you and your friend simply need to have active accounts in good standing. The previous monthly requirement to maintain a minimum balance of $5,000 has been removed.

To keep things simple, we’ve removed the $5,000 USD balance requirement. Now, you just need to meet these three conditions: 1. Your friend must sign up using your unique referral link. 2. Both accounts must remain active. 3. The referred friend must remain a member past the 33-day validation window.

We do not offer financial or tax advice and always encourage our members to check their local tax regulations and obligations and get professional help when in doubt.

Your code is yours for life—it never expires.

After your referred friend successfully joins and the 33-day validation period is complete, both you and your friend will each receive a one-time payment of $500 USD in BTC. This structure is designed to give a simple, significant, and upfront reward to both you and your friend for helping to grow the Xapo community. How many friends can I invite? There is no limit to the number of friends you can refer. However, to ensure the program remains fair and secure, we may implement a cap on rewards per specific campaign if necessary.

Yes, referred members earn a referral reward of $500 USD in BTC, provided they meet the eligibility requirements.

  • Send your unique link or code to your inner circle. It's their entry into our private banking community. 

  • Your referee completes onboarding and activates their Xapo membership by paying the annual fee. 

  • They maintain an active account for the duration of their 33-day validation period. 

  • You both receive $500 USD in BTC. There are no limits, invite as many as you like and keep stacking

See all FAQs

Real support,
Whenever you need it

From exploring the BTC Fund to managing your savings, our team is ready to help — 24/7, right from your app.

  • Dedicated relationship manager — Personalised support from your relationship manager.

  • 24/7 assistance — Get help anytime through in-app chat or email.

  • Bitcoin expertise — Guidance from specialists who understand both banking and crypto.

*Our current pricing, subject to constant change.