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Xapo Bank: The digital bank for a global village

3
min read
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In a world that’s in a constant state of evolution, shouldn't your methods of transacting, saving, and protecting your wealth move with the times? As an expat, taking control of your finances is one of the best ways you can make the most of living abroad. With high annual interest earnings that are paid out daily, and access to fast, efficient, and affordable transactions, Xapo Bank makes it easy for you to manage your finances, crypto, and global payments from one app, anywhere, anytime, securely.

Why is Xapo Bank great for expats?

  • USD bank account generating 4.6% annual interest1, paid out daily
  • Bitcoin wallet generating 0.2% annual interest1, paid out daily
  • Global debit card with zero fees4 on foreign exchange transactions
  • Up to 1.1% cash back on all global Xapo Bank debit card transactions
  • USDC and USDT deposits and withdrawals from your USD account
  • GBP and EUR deposits and withdrawals via Faster Payments and SEPA
  • Dedicated account manager to guide and advise you

What is Xapo Bank?

Xapo Bank is a fully regulated crypto-native bank based in the trusted financial centre of Gibraltar, a rock-solid UK overseas territory. At Xapo Bank, we want to help our members unlock the full potential of their money and grow their wealth safely.

How can I grow my wealth with Xapo Bank?

Xapo Bank offers an all-in-one online option for crypto-native banking. Xapo Bank members benefit from a competitive annual interest rate of 4.6% on USD deposits, paid out daily. Our USD account comes with a global debit card that allows our members to spend their money anywhere, with zero fees on foreign exchange transactions.

In addition, Xapo Bank members can also send, receive and hold Bitcoin, with a sweet 0.2% annual interest on Bitcoin deposits, paid out daily. We give access to the Lightning Network which allows members to make near-instant and cheap Bitcoin transfers and payments.

Xapo Bank is also the first bank to support USDC and USDT deposits which will be automatically converted into USD upon receipt, and start earning 4.6% annual interest right away.

Is Xapo Bank safe?

Yes, Xapo Bank is a safe online option to consider if you want to protect and grow your wealth. We are licensed and regulated as a credit institution (bank) and Distributed Ledger Technology (DLT) provider by the Gibraltar Financial Services Commission.

Your fiat deposits are protected under the Gibraltar Deposit Guarantee Scheme (GDGS) up to the USD equivalent of €100,000. The GDGS provides the same level of consumer protection as the schemes applied in the UK and European Economic Area.

Last but not least, we have one of the largest Bitcoin reserves in the world, providing an unparalleled level of security for our members’ BTC deposits.

Xapo Bank is an crypto-enabled bank licensed and regulated by the Gibraltar Financial Services Commission. We give our members access to a US Dollar and Bitcoin account, successfully bridging the gap between traditional banking and crypto.

Xapo Bank is a crypto-enabled bank licensed by the Gibraltar Financial Services Commission. We give our members access to a US Dollar and Bitcoin account, successfully bridging the gap between traditional banking and crypto. USDC deposits into Xapo are immediately converted to USD on a 1:1 basis, giving instant dollar cash value with zero exchange fees.

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4.6% annual
interest on USD deposits
Bitcoin
wallet with 0.2% annual interest
Up to 1.1%
cashback on card transactions

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