Our unique
regulatory
strucuture

We are one of the first to be fully licensed as both a bank and a Virtual Asset Service Provider (VASP).

Why bank your Bitcoin?

Because it keeps your holdings safer, while making it easy to transact, and possible to earn. And it means there are multiple layers of protections in place for your funds, even if Xapo Bank were to close.1

We comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations and keep your Bitcoin holdings and transaction information private by design.

List of elligible countries for Xapo Bank card:

  • Åland Islands
  • Albania
  • Algeria
  • American Samoa
  • Andorra
  • Angola
  • Anguilla
  • Antigua and Barbuda
  • Argentina
  • Armenia
  • Aruba
  • Austria
  • Azerbaijan
  • Bahamas
  • Bahrain
  • Bangladesh
  • Barbados
  • Belgium
  • Belize
  • Benin
  • Bermuda
  • Bhutan
  • Bolivia
  • Bonaire
  • Botswana
  • Bouvet Island
  • Brazil
  • British Indian Ocean Territory
  • British Virgin Islands
  • Brunei
  • Burkina Faso
  • Burundi
  • Cambodia
  • Cameroon
  • Cape Verde
  • Cayman Islands
  • Chad
  • Chile
  • China
  • Christmas Island
  • Cocos Islands
  • Colombia
  • Comoros
  • Congo
  • Cook Islands
  • Costa Rica
  • Curaçao
  • Denmark
  • Djibouti
  • Dominica
  • Dominican Republic
  • Ecuador
  • Egypt
  • El Salvador
  • Equatorial Guinea
  • Eritrea
  • Ethiopia
  • Falkland Islands
  • Faroe Islands
  • Fiji
  • Finland
  • France
  • French Guiana
  • French Polynesia
  • French Southern and Antarctic Lands
  • Gabon
  • Gambia
  • Georgia
  • Germany
  • Ghana
  • Gibraltar
  • Greece
  • Greenland
  • Grenada
  • Guadeloupe
  • Guam
  • Guatemala
  • Guernsey
  • Guinea
  • Guinea-Bissau
  • Guyana
  • Haiti
  • Heard Island and McDonald Islands
  • Honduras
  • Hungary
  • Iceland
  • Ireland
  • Isle of Man
  • Italy
  • Jamaica
  • Japan
  • Jersey
  • Jordan
  • Kazakhstan
  • Kiribati
  • Kosovo
  • Kuwait
  • Kyrgyzstan
  • Laos
  • Lesotho
  • Liberia
  • Liechtenstein
  • Luxembourg
  • Macao
  • Madagascar
  • Malawi
  • Maldives
  • Mali
  • Malta
  • Marshall Islands
  • Martinique
  • Mauritania
  • Mauritius
  • Mayotte
  • Mexico
  • Micronesia
  • Midway Islands
  • Moldova
  • Monaco
  • Mongolia
  • Montenegro
  • Montserrat
  • Morocco
  • Mozambique
  • Namibia
  • Nauru
  • Nepal
  • Netherlands
  • New Caledonia
  • New Zealand
  • Niger
  • Niue
  • Norfolk Island
  • North Macedonia
  • Northern Mariana Islands
  • Norway
  • Oman
  • Pakistan
  • Palau
  • Panama
  • Papua New Guinea
  • Paraguay
  • Peru
  • Pitcairn Islands
  • Poland
  • Portugal
  • Puerto Rico
  • Qatar
  • Reunion
  • Romania
  • Rwanda
  • Saint Barthelemy
  • Saint Helena, Ascension and Tristan da Cunha
  • Saint Kitts and Nevis
  • Saint Lucia
  • Saint Martin
  • Saint Pierre and Miquelon
  • Saint Vincent and the Grenadines
  • Samoa
  • San Marino
  • Sao Tome and Principe
  • Saudi Arabia
  • Senegal
  • Seychelles
  • Sierra Leone
  • Singapore
  • Sint Maarten
  • Slovakia
  • Slovenia
  • Solomon Islands
  • South Africa
  • South Georgia and the South Sandwich Islands
  • South Korea
  • Spain
  • Sri Lanka
  • Suriname
  • Svalbard and Jan Mayen
  • Swaziland
  • Sweden
  • Switzerland
  • Tahiti
  • Taiwan
  • Tajikistan
  • Tanzania
  • Timor-Leste
  • Togo
  • Tokelau
  • Tonga
  • Trinidad and Tobago
  • Tunisia
  • Turkey
  • Turkmenistan
  • Turks and Caicos Islands
  • Tuvalu
  • Uganda
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • Uruguay
  • US Minor Outlying Islands
  • US Virgin Islands
  • Uzbekistan
  • Vanuatu
  • Vatican City
  • Vietnam
  • Wake Island
  • Wallis and Futuna
  • Western Sahara
  • Yemen
  • Zambia

Our compliance protocols

We operate under the oversight of the Gibraltar Financial Services Commission. Certain services are also available in the UK under the regulation of the Financial Conduct Authority (FCA).2

We are bound by consumer protection laws and adhere to strict international compliance standards for the assets we protect, including:

PCI-DSS

Payment Card Industry Data Security Standard (PCI-DSS), keeps your card information secure.

KYC

Know Your Customer (KYC) verifies the legitimacy of our members and their transactions.

AML

Anti-Money Laundering (AML) ensures the integrity of all transactions.

SOC 2 Type II

Service Organization Control 2 Type II validates our operational effectiveness and commitment to security and privacy.

Routine independent audits

Independent oversight
Routine independent audits
Independent oversight

To ensure we continue to operate in full compliance with regulatory standards we undergo routine independent audits by one of the big 4 accountancy firms, as well as Service Organization Control Type 2 (SOC 2), and PricewaterhouseCoopers (PwC). They evaluate our operations, product and services, and security controls.

Your privacy is protected

Privacy
Your privacy is protected
Privacy

Rest assured that our rigorous compliance measures do not compromise the privacy of your account. While we open our own balance sheets to auditors, your Bitcoin balance won’t be shared without your consent and will not be publicly available.

Meet our team of experts

Compliance Meet Experts
Expertise

Our board members have decades of experience across the global financial industry, with diverse specialties including Bitcoin security, international finance, law, and traditional banking.

Our expertise

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