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WE work for our members


As a member of Xapo Bank, you can realise the true potential of your wealth, safe in the knowledge it’s protected at all times.

Secure crypto-enabled banking

Protect, access and grow your wealth from wherever you are with a crypto-enabled bank. You’re free to transact in USD and buy, manage and hold Bitcoin.

Personalised service

Feel supported at every step with guidance from your dedicated account manager, here to ensure a seamless service, answer your day-to-day needs and help you achieve your goals.

Annual interest

Earn 0% annual interest1 on your US Dollar deposits and 0% on your Bitcoin deposits. Your earnings are paid out daily and there’s no requirement to lock up your funds.

Global payments

Make cross-border payments seamless and easy. Send, receive, and transact USDC, USDT, Euro and GBP with minimal fees and no hidden costs, and instantly convert them to US Dollars.


How to become a Member

We welcome your application to Xapo Bank.
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30-day free trial period. Enjoy full benefits immediately and pay later
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Valid passport or ID card
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USD 150 annual fee (save 20%), or USD 14.99 monthly fee, payable after the free trial
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18 years or older

It’s important to be aware that we will ask you to confirm your identity and you will need to meet certain requirements. We keep your information safe and secure. To learn more, read our Privacy Policy.

Please note, US citizens are not able to apply for membership.

Our app is available to download on Android or iOS.

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Make the most of your wealth with personalised help and guidance from your dedicated Xapo Bank account manager.

Schedule Zoom calls whenever you need.



Get helpful answers to frequently asked questions.

If you’re keen to learn more about crypto-enabled banking, Xapo Bank membership, or how to apply and what to expect, please visit our help centre for guidance.

A woman's hand on the sea backgroundA woman's hand on the sea background

the bridge between
Bitcoin, US Dollars, and stablecoins