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

Transact like a local, from anywhere

Wherever life takes you, our app follows, offering the flexibility to transact with Bitcoin, stablecoins, and traditional currencies. Xapo Bank is your money’s passport to the world.

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Get 30 days for free, then USD 14,99 /month.
+10 years
As a trusted custodian
29,000 BTC
Xapo BTC reserve in custody
+125
Countries supported
4.7/5
App Store rating

Stablecoin simplicity

Experience the freedom of stablecoins without the hassle of holding them. Instantly convert USDC and USDT for global transactions directly from your US Dollar account, cutting out middlemen like exchanges.

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    Salaries
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    Payments
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    Cross-boarder transactions
  • … and more
Stablecoin simplicity
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A bridge between Bitcoin and US Dollars

Imagine a financial world where you don't have to compromise. With Xapo Bank you don't have to. You can easily navigate between your digital wealth in Bitcoin and the stability of traditional US Dollars, all within one intuitive platform.

Skip blockchain queues with the Lightning Network

Whether it's for a quick caffeine fix or urgent payments, the Lightning Network makes Bitcoin transactions near-instant with fees as low as USD 0.01. And your transaction gets accepted before your coffee gets cold.

Skip blockchain queues with the Lightning Network
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A gateway to Europe and the UK

Fast, affordable transfers and conversions in British Pounds and Euros make every transaction feel local and seamless. Enjoy effortless banking, tailored just for you.

We keep it human

We’re all for innovation, but some things just can’t replace human connection. That’s why you will always speak to a person, not a bot. Your personal account manager is there for you every step of the way.

We keep it human
Simple. Fast. Low fees.

Xapo runs on low-fees. Just USD 14,99 / month to unlock:

Transaction type
Transfer fee
Exchange rate
Recipient gets
Bitcoin
BTC 0.00100
Blockchain fee ≈ USD 3
N/A
Bitcoin
BTC 0.000913
USD
USD 1,000 to
USDC
USDC
Blockchain fee ≈ USD 3
1 USDC = 1 USD
USDC
USDC 997
USD
USD 1,000 to
USDT
USDT
Blockchain fee ≈ USD 3
USDT 1 ≈ USD 1.0021
USDT
USDT 993.01
USD
USD 1,000 to € EUR
SEPA fee = EUR 0.15
1 USD = 0,92 EUR*
Interbank exchange rate
Euro
EUR 947.24
USD
USD 1,000 to £ GBP
Faster payment fee = GBP 0.15
1 USD = 0,83 GBP*
Interbank exchange rate
GBP
GBP 826.63
*These rates are subject to constant change and are shown for illustrative purposes only. The rates shown here were obtained on Oct 26, at 10:45hrs CET. Always make sure to check the applicable rate in the Xapo Bank app before making any transaction.

Works nearly everywhere

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Argentina
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Austria
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Belgium
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Brazil
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Bulgaria
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Chile
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Colombia
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Croatia
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Czech Republic
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Denmark
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Ecuador
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Estonia
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Finland
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France
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Germany
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Greece
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Hungary
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Iceland
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Indonesia
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Ireland
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Italy
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Latvia
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Liechtenstein
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Lithuania
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Luxembourg
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Malaysia
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Malta
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Mexico
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Netherlands
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Norway
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Peru
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Poland
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Portugal
And +88 countries
And +88 countries
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Transact with a tap so your money can move like water

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.