Send, sell, spend, and Buy Bitcoin and USD globally
We have reimagined banking to make Bitcoin feel exactly like what it is: real money. No friction, just a single, powerful membership to spend, save, and transact without leaving the Bitcoin standard.1,5
Your Wealth has Global Reach
Xapo Bank’s integrated USD and Bitcoin accounts provide global financial access that traditional banks cannot match.1,5
Send, receive, and withdraw USD, GBP, and EUR via RTP, FedACH, SWIFT, and local UK/EU networks.
Use the Lightning Network for instant Bitcoin transfers and manage USDC/USDT stablecoins right alongside your USD.
Manage your finances 24/7 from one intuitive app. No banking hours, no friction.
Spend your way: Dollars or BTC, always your choice
Your Xapo Bank membership includes metal, standard, and virtual debit cards, allowing you to spend your U.S. dollars or Bitcoin no matter where you are in the world, with no hidden fees on international spending and protection for your wealth.5,7
Spend in any currency worldwide with no FX fees and no hidden markups on your transactions.
Move through the world with confidence, knowing your assets are protected by our bank-grade security and proactive fraud monitoring.
Experience the flexibility of high spending limits and a complimentary premium metal card.
Use your Bitcoin for everyday purchases with no fees and competitive spreads.
Your cash balance could be compounding daily in Bitcoin
Xapo Bank offers up to 4.6%* interest on USD Savings, paid daily in BTC.2,3
Deposit stablecoins with automatic conversion to USD, and earn while you sleep.
Once you’re ready to deploy, name your ideal entry with BTC limit orders.
Set and forget with automated orders4
DCA the easy way
Focus on optimising your strategy while Xapo does the work. Set up recurring buys to Dollar Cost Average (DCA) your Bitcoin and place limit orders to catch the dip without 24/7 monitoring.
Set your ideal entry with limit orders
For the entries you've already decided on. Set a limit order once and get on with your life: no chart-watching, no 3am alerts. Your order fills the moment the market comes to you, at your price, not the market's mood. Live now for stocks, ETFs, and Bitcoin.
The Xapo Card is an add-on to your account. Please note that certain activities involving the card incur fees such as:
Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month: 2% of the withdrawal amount, ATM operator fees may apply.
Additional replacement card in a year (January-December): 25 USD
Yes, the premium metal debit card allows you to spend your Bitcoin and USD balances globally. You can select which account to make payments from your card with. The card is accepted for purchases and ATM withdrawals in over 100 countries, giving you the flexibility to use your assets for everyday transactions.
For instant transactions, Xapo Bank is integrated with the Lightning Network. This Layer 2 payment protocol is built on top of Bitcoin and is designed for fast, low-cost transfers, making it ideal for smaller, everyday payments.
You can send and receive USD via SWIFT, and for domestic US payments, ACH is also supported. Xapo Bank also offers a multi-currency and multi-asset rails. For fiat, this includes Faster Payments for GBP and SEPA for EUR. For cryptocurrencies, the platform integrates with the Lightning Network for instant, low-cost Bitcoin transactions and supports stablecoins like USDC and USDT for deposits and withdrawals.
With the Xapo Card, you can make most kinds of day-to-day transactions – online payments, ATM withdrawals, and Point-of-Sale purchases, to name a few. For security reasons, some transaction types are not supported. If your payment can not be processed, we will notify you immediately.
Xapo Bank offers you zero-commission exchange rates for spending and withdrawal in currencies other than US dollars. For this reason, we strongly recommend that you do not use Dynamic Currency Conversion (DCC) when interacting with merchant terminals.
For large trades, Xapo Bank provides a white-glove Over-the-Counter (OTC) service through your dedicated Relationship Manager. This service is available for trades of any size, particularly those over $200,000, and can be assisted through the app with your Relationship Manager.
The Xapo Card is an add-on to your account. Please note that certain activities involving the card incur fees such as:
Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month: 2% of the withdrawal amount, ATM operator fees may apply.
Additional replacement card in a year (January-December): 25 USD
With the Xapo Card, you can make most kinds of day-to-day transactions – online payments, ATM withdrawals, and Point-of-Sale purchases, to name a few. For security reasons, some transaction types are not supported. If your payment can not be processed, we will notify you immediately.
Yes, the premium metal debit card allows you to spend your Bitcoin and USD balances globally. You can select which account to make payments from your card with. The card is accepted for purchases and ATM withdrawals in over 100 countries, giving you the flexibility to use your assets for everyday transactions.
Xapo Bank offers you zero-commission exchange rates for spending and withdrawal in currencies other than US dollars. For this reason, we strongly recommend that you do not use Dynamic Currency Conversion (DCC) when interacting with merchant terminals.
For instant transactions, Xapo Bank is integrated with the Lightning Network. This Layer 2 payment protocol is built on top of Bitcoin and is designed for fast, low-cost transfers, making it ideal for smaller, everyday payments.
For large trades, Xapo Bank provides a white-glove Over-the-Counter (OTC) service through your dedicated Relationship Manager. This service is available for trades of any size, particularly those over $200,000, and can be assisted through the app with your Relationship Manager.
You can send and receive USD via SWIFT, and for domestic US payments, ACH is also supported. Xapo Bank also offers a multi-currency and multi-asset rails. For fiat, this includes Faster Payments for GBP and SEPA for EUR. For cryptocurrencies, the platform integrates with the Lightning Network for instant, low-cost Bitcoin transactions and supports stablecoins like USDC and USDT for deposits and withdrawals.
Be part of a Members-only Private Bank for BTC Holders1
Real support for what you've built
Managing significant Bitcoin wealth deserves more than an app. Your dedicated Relationship Manager is available whenever you need guidance with direct access, not just through a support queue.
