Unlock Global Wealth with Xapo Bank
Exclusive offer for the Pomp Podcast listeners
Get $150 off your first-year membership when you sign up through this page. The discount will be applied to your first year of membership upon sign-up. For any questions about the process, contact Xapo Support.
Promotional Period:1 OCT 2025 – 31 DEC 2025
Why Xapo Bank?
Founded in 2013 – over a decade of securing Bitcoin
Eligible fiat deposit protection up to £120,000 under Gibraltar’s Deposit Guarantee Scheme
Transparent pricing, no hidden fees
Billions in assets safeguarded and never rehypothecated
One Membership. Infinite Potential.
For 1,000 USD/year, secure* your wealth at Xapo Bank with daily Bitcoin earnings, global access, and liquidity — all backed by over a decade of expertise. See what sets us apart.Exchanges
Hardware Wallets
Traditional banks
Secure Bitcoin Custody*
Daily Interest Paid in Bitcoin
Global Debit Card with Zero Fx Fees
Buy and Sell with Best-in-Class Bitcoin Price
Bitcoin-Backed loans*
Beneficiary Feature
Xapo Benefits
What you getSecure Bitcoin Custody*
Hold your digital assets in military-grade Bitcoin custody, built on advanced multi-signature cold storage infrastructure
Get military-grade Bitcoin custody
Earn Bitcoin rewards everyday
0.0% APY on USD balances
0.0% APY on up to 2 bitcoin
Rewards paid out daily in bitcoin
Start Earning in Bitcoin
Global debit card
Spend in BTC or USD, no FX fees
Free ATM withdrawals (up to 100 USD/month)
Up to 1% cashback in BTC on eligible card fiat purchases
Get your global debit card
Trade and invest with confidence
Buy and sell Bitcoin with just 0.10% spread – lowest in the market
Invest in the US stock market and other crypto assets from anywhere
Peace of mind with SIPC insurance up to 500k USD on stocks and ETFs
Explore investment tools
Send money instantly, anywhere
Instant Bitcoin payments with Lightning Network
Send and receive USDT/USDC
Global transactions made easy with SEPA, FPS, Fedwire, ACH, SWIFT, and more
View supported payments
Borrow without selling your Bitcoin*
Access loans up to 1M in USD in minutes
Up to 40% LTV with flexible payment terms
No origination or early repayment fees
No rehypothecation so your Bitcoin remains in your control
Borrow against Bitcoin
*References to the terms “Protected” and “Secure” in the context of crypto assets on this webpage relate solely to the technical and operational security features of Xapo Vasp Limited, and do not imply any form of deposit protection, guarantee or regulatory safeguard. For further details on the security features available, please visit: https://www.xapobank.com/en/blog/banking-your-btc. Bitcoin-backed loans are not currently available in the United Kingdom.
This Financial Promotion has been approved by Xapo Bank Limited on August 11, 2025.
FAQs
See all FAQs
Xapo Bank integrates the services of a fully licensed and regulated bank and VASP by the Gibraltar Financial Services Commission. USD deposits are protected under the Gibraltar Deposit Guarantee Scheme up to £120,000. Your Bitcoin is secured with military-grade technology and is never rehypothecated. Xapo Bank has safeguarded billions in assets.
Once your membership has been approved, you’ll be asked to make a deposit. The annual Xapo Bank membership fee is automatically deducted in full when you have a balance of at least USD 1000 or the equivalent in Bitcoin. If your balance is insufficient, your Xapo Bank account will be restricted until you add sufficient funds. This fee enables us to deliver a rare banking experience that allows you to store and protect your wealth in US dollars and Bitcoin seamlessly. This also covers your debit card creation and delivery, and a free card replacement per year if needed
Getting started is quick and easy. Once you've completed the membership sign-up, most accounts are reviewed and approved shortly after.
Yes. You can cancel at any time. There are no lockups or penalties, and our team will help you withdraw or transfer your funds securely.
If you cancel within the first 30 days of activating your membership, you’ll receive a full refund of your annual fee.
Xapo Bank serves members in most countries. However, availability may vary due to local regulations.
We’re committed to complete clarity and honesty, so you’ll always know exactly what you’re paying for. Alongside our annual membership fee, there are a few minimal charges to cover transaction costs—no hidden fees, ever.
Xapo Bank integrates the services of a fully licensed and regulated bank and VASP by the Gibraltar Financial Services Commission. USD deposits are protected under the Gibraltar Deposit Guarantee Scheme up to £120,000. Your Bitcoin is secured with military-grade technology and is never rehypothecated. Xapo Bank has safeguarded billions in assets.
Yes. You can cancel at any time. There are no lockups or penalties, and our team will help you withdraw or transfer your funds securely.
If you cancel within the first 30 days of activating your membership, you’ll receive a full refund of your annual fee.
Once your membership has been approved, you’ll be asked to make a deposit. The annual Xapo Bank membership fee is automatically deducted in full when you have a balance of at least USD 1000 or the equivalent in Bitcoin. If your balance is insufficient, your Xapo Bank account will be restricted until you add sufficient funds. This fee enables us to deliver a rare banking experience that allows you to store and protect your wealth in US dollars and Bitcoin seamlessly. This also covers your debit card creation and delivery, and a free card replacement per year if needed
Xapo Bank serves members in most countries. However, availability may vary due to local regulations.
Getting started is quick and easy. Once you've completed the membership sign-up, most accounts are reviewed and approved shortly after.
We’re committed to complete clarity and honesty, so you’ll always know exactly what you’re paying for. Alongside our annual membership fee, there are a few minimal charges to cover transaction costs—no hidden fees, ever.
The Xapo Insider
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