We use cookies to give you better functionality and analytics. By clicking Accept, you consent to our Cookie Policy, Legal Notice, Privacy Policy and Website Terms of Use.

Your Bitcoin. Your terms. Xapo Bank's unmatched security.

Diversify your portfolio
with crypto

We merge the best of both worlds, offering you a regulated banking environment with secure access to Bitcoin, Ethereum, Polygon, and Cardano.*

Open account
Please enter a valid email address
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Get 30 days for free, then USD 14.99/month.
+10 years
Protecting over 1M people's Bitcoin
only 1% fee
Added to buy and sell trades
29,000 BTC
Xapo BTC reserve in custody
4.7/5
App Store rating

You don't need 100+ coins to start

We've carefully selected these cryptocurrencies based on strict criteria like age and hashing algorithm so you can buy, sell, and hold with confidence.

Illustration
Stablecoins

Bridge between blockchain and traditional finance

Send and receive USDT and USDC directly from your US Dollar account and enjoy instant and automatic currency conversions.
logo
Tether
USDT

USDT offers high liquidity and widespread availability, facilitating easy trade and conversions.

logo
USD Coin
USDC

USDC has a reputation for transparency and compliance, being backed by reputable financial institutions.

Get 30 days for free, then USD 14.99/month.
Open account
CRYPTOCURRENCIES

Crypto in a regulated banking environment

Expand your portfolio with established cryptocurrencies and competitive 1% fees.
logo
Bitcoin
BTC

The most well-known and largest cryptocurrency in the world by market cap.

logo
ETHereum
ETH

Used as a platform to create decentralised apps and other cryptocurrencies.

logo
Cardano
ADA

Cardano is more energy-efficient than many other blockchains.

logo
Polygon
MATIC

A Layer 2 protocol that enables climate change leaders and scientists to collaborate.

Get 30 days for free, then USD 14.99/month.
Open account

Crypto, U.S. stocks, and USD in the same app

Manage your investments with ease and efficiency from a single app, without confusing and complex fees across multiple platforms.

*Capital at risk. Crypto assets are high risk and can lose all their value.
Illustration

Advanced Security for Your Peace of Mind

Advanced Security for Your Peace of Mind

Experience the simplicity of depositing and withdrawing Euros, and British Pounds like a local, and connect seamlessly to international payment networks with low currency conversion fees and fast waiting times.

Illustration

Advanced Security for Your Peace of Mind

Experience the simplicity of depositing and withdrawing Euros, and British Pounds like a local, and connect seamlessly to international payment networks with low currency conversion fees and fast waiting times.

Honest and competitive fees

All costs are shown upfront. Always
icon
BITCOIN

Zero fees

On buying, selling and transactions, with anytime deposits and withdrawals

icon
POLYGON
icon
ETHEREUM
icon
CARDANO

1%

On buy and sell trades

Send & Receive

Deposit and withdraw stablecoins directly to and from your US Dollar account
icon
USDT
icon
USDC

Blockchain fee ≈ USD 5

Please note this fee depends on the currency you're selecting and network congestion

What else is included in your Xapo bank Account?

A bank account that has everything
EVERYDAY TRANSACTIONS

Effortless spending, anywhere

From buying coffee to covering your Netflix subscription and Amazon purchases, all of your day-to-day spending needs are taken care of with US Dollar and Bitcoin wallets.

Effortless spending, anywhere
OTHER WEALTH OPTIONS

Earn interest on USD and BTC in your sleep

Put your wealth to work and earn up to 4.1% annual interest on USD deposits and 1% on BTC deposits, both paid out daily.*

Invest in stocks while the market sleeps
*The Annual Interest Rate offered on both USD and Bitcoin deposits is variable and may change at any time. Interest on Bitcoin deposits will only be paid on balances of 5 BTC or less. For more information, visit our Help Centre or check out our Interest FAQs.
OTHER WEALTH OPTIONS

Invest in U.S. stocks from anywhere

Grow your portfolio with 100+ stocks of the largest and most established companies from the S&P500.

*Capital at risk. Security Values can go up as well as down.
Invest in U.S. stocks from anywhere
Get 30 days for free, then USD 14.99/month.

Crypto meets traditional banking

Combine the trustworthiness of a fully licensed and regulated bank with the flexibility of a crypto platform to build your wealth your way.
icon

We are a fully licensed and regulated bank

Licensed by the Gibraltar Financial Services Commission, we protect members’ fiat deposits up to USD 100,000 with the Gibraltar Deposit Guarantee Scheme. We also don’t believe in fractional reserve banking, meaning your funds are never lent out, and you can access them 24/7. ²

icon

Virtual Asset Service Provider

For each cryptocurrency we offer, we carefully evaluate factors based on strict criteria. This ensures that your digital asset choices are both secure and reliable and you remain protected.

icon

29,000-strong Bitcoin reserve

Our Bitcoin reserve and regulatory capital ensure protection against system hacks, third-party theft, or even our bankruptcy.

Get 30 days for free, then USD 14.99/month.
30 days for free limited offer

Expand with crypto, USD & U.S. stocks for USD 14.99/month

We've blended the innovative world of cryptocurrency with the familiar ease of traditional banking, all wrapped up in one intuitive and secure app. This is what industry-leading security looks like:
slide image
Biometric security
slide image
Easy card management
slide image
USD savings account
slide image
24/7 support
slide image
Elegible fiat funds are guaranteed up to € 100,000
slide image
A zero trust approach
slide image
Future-proofed defenses with AI
A woman's hand on the sea backgroundA woman's hand on the sea background

Diversifying should be as simple as opening an App

Apply for a Xapo Bank membership today and enjoy the best of crypto and fiat gathered in your banking app.

Get 30 days for free, then USD 14,99 /month.