A Members-Only Private Bank For Bitcoin Holders

We’ve spent over a decade perfecting banking for those who believe in Bitcoin. Secure, spend, and grow your wealth with us.

Official Partner

The freedom of a life Fuelled by Bitcoin

Xapo serves the full spectrum of Bitcoin wealth.

We give those who want to hold liquidity without losing exposure, and those building wealth, a path to grow their holdings.

With an unmatched security infrastructure and world-class service, Xapo is the partner your Bitcoin deserves.¹

Our Mission

Features & accolades

A Life Funded by Bitcoin

Up to 4%APY

Earn compounding interest in BTC
Xapo Bank pays all interest in Bitcoin, so your earnings increase along with Bitcoin’s growth.

Up to 4% APY, paid in BTC, on Bitcoin investments²
3.35% APY, paid in BTC, on USD deposits³
Up to 1% BTC cashback on card purchases, uncapped⁴

Learn More

Finance the Dreams,

Keep the Bitcoin

Borrow all you need

Don’t spend Bitcoin when you need cash
Xapo understands the value of keeping your long-term holdings intact, that’s why we give you instant liquidity, when you need it.⁵

Pre-approved loans based on your asset value
Near-instant cash deposit in one app
Zero fees and flexible terms

Estimate your Loan

Exclusive Benefits, Only For Members

Dedicated Relationship Managers

Call your personal wealth partner anytime and enjoy the white-glove service your Bitcoin deserves.⁶

Bitcoin-Powered Investments

Gain access to U.S. Stocks, ETFs and Altcoins in one app.⁶

Global Sending & Spending

Transact instantly in major currencies, 24/7, across the globe with no FX fees.⁷

Designated Beneficiaries

Choose your Bitcoin beneficiaries, allocate the distribution, and let your legacy continue.⁶

Unmatched Wealth Protection

Triple layered-security including underground vaults, MPC technology and tailored personal access.⁸

Peace of Mind for your Life Savings

Bitcoin Security Perfected Since 2013
At Xapo Bank, we ensure you are the only one who will ever have control over your wealth with three layers of Bitcoin security.^1,8

Our Security System

Real Support When You Need it

Dedicated Relationship Manager
A personal relationship manager is always by your side to support any financial journey.

Get in Touch

Around Since the Beginning

Established

2013

Capital Ratio

212.5%

Liquidity Ratio

1633%

What Our Members Say

“

Xapo for me is a place I can trust. It's Bitcoin centric which says a lot.

Herminio - Spain

“

Xapo Bank Mastercard is one of the best cards in the market. 1% reward in BTC on all spending. Good conversion rates for foreign currencies.

Tony - Dubai

“

What I value most about Xapo Bank is the incredible flexibility it offers in managing my finances.

German - Costa Rica

“

Great bitcoin only offerings, simple to use and the best rates means Xapo is the only bitcoin bank that I am currently using.

Sandeep - Australia

You Were Right
About Bitcoin

And now you have a bank that understands.
We provide rock-solid security and the premium services of a private, members-only bank that is built to increase your Bitcoin wealth.^1,8

Apply for membership

The Xapo Insider

Security

What ‘not your keys’ in crypto custody gets right, and what it misses.

In 2026, the 'not your keys' mantra is maturing. Discover how Xapo Bank combines Bitcoin sovereignty with institutional-grade security for true peace of mind.

Read Article