Effortless earning tailored to you
Boost your wealth with 0% interest1 on USD and 0% on BTC, both earned in satoshis with anytime access.
Or, diversify your portfolio effortlessly and invest in hundreds of leading U.S. stocks and other crypto with the possible gains you make from Bitcoin.
Capital at risk.
Unmatched security for your peace of mind
We use cutting-edge MPC security across all storage options, from wallets to savings to BTC Vault, complemented by trusted features like 2FA, biometrics, and round-the-clock monitoring.
Convenient global transactions with Bitcoin
Xapo Bank is like a passport for your money, enabling you to send, spend, and receive Bitcoin worldwide. Or, simply switch to USD and transact in stablecoins, EUR and GBP.
And with a global debit card, you can spend in BTC or traditional currency with zero FX fees and, earn cashback5 in satoshis.
Your Bitcoin and U.S. Dollars are protected
Experience seamless interchangeability in the Xapo Bank app, swapping between Bitcoin and US Dollars with ease wherever you are.
Your USD deposits are safeguarded up to up to the USD equivalent of EUR 100,000 by the Gibraltar Deposit Guarantee scheme while our BTC reserves— one of the largest in the world — offer unparalleled protection from Bitcoin losses4.
Enjoy personalised support, anywhere
Our dedicated account managers are always here for you, ready to assist with any questions and ensure you're fully supported. With Xapo Bank, you're never alone; we've got your back, anytime you need help.
Become a member on your terms
Banking with Bitcoin, simplified
Ready to learn more about how you can grow your wealth and transact effortlessly wherever you are?