Secure your wealth for the long term, accumulate BTC with institutional-grade growth, and start your journey with a dedicated Relationship Manager, today.
The Benefits of Being a Xapo Bank Member
Our Membership includes
Up to 4.6% APY1
Interest Paid in Bitcoin
Increase your Bitcoin stack and benefit from the upside. BTC and USD deposits earn interest in Bitcoin
Flexible Loans Against your Stack2
Bitcoin Lines of Credit
Draw what you need, repay on your terms, and keep your credit line open, all without selling your BTC or losing your upside.
Vaults, MPC technology & Regulation
Ultimate Security & Custody3,4
Wealth security built for peace of mind with robust features from a regulated Bank and VASP.
Save up to 70% on Bitcoin Trading fees
Market Leading Trading Fees
Xapo offers Institutional-grade spreads as low as 0.29% saving you money on every trade.
A Global Debit Card
Zero FX Fees on Spending
As part of the Visa and Mastercard network, use your card anywhere and at ATMs worldwide.
Gain Exposure to Stocks, ETFs, Gold & more
Expand Your Portfolio
Secure your Bitcoin and diversify your wealth without leaving the app. All managed from an integrated investment dashboard.6
Use USD, GBP, EUR, Stablecoins & BTC3
Send, Spend & Save Anywhere
Manage your wealth with accounts that connect your Bitcoin to global payment rails like SEPA, FedWire, ACH, and Faster Payments.
A Person, Not a Queue
Human Support Always
Significant wealth deserves more than an app. Your relationship manager is one call away.
Limit and Automated Orders
Zero Idle Capital
Set limit orders or automated buys. Your capital keeps earning until you're ready to deploy.6
$1000 USD /year
Your membership pays for itself
Slide to discover your deposit's potential
20 BTC
1 BTC100 BTC
Potential yearly earnings(4% APY)
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Available to borrow
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This calculator is for illustration only. It uses the live BTC price and assumes that the price remains constant. Bitcoin price fluctuates, so actual returns may differ. Nothing displayed here should be considered financial or investment advice.
Want $500 USD towards your membership fee?
By inviting a friend to experience Xapo Bank, you'll both receive $500 USD in Bitcoin upon their successful activation.5,7
30-day refund policy
We offer a 30-day, risk-free trial. If you are not happy with our service, you can ask for your money back.
Capital Ratio167%
EstablishedIn 2013
Liquidity Ratio1663%
Capital Ratio167%
EstablishedIn 2013
Liquidity Ratio1663%
Where Xapo Bank Gives You More
Traditional banks
Crypto Exchanges
Regulated Bank Status
Yield on BTC, paid in Bitcoin
Yield on USD, paid in Bitcoin
Made for Bitcoin Holders
White-glove service
Physical vault storage
Flexible Bitcoin Line of Credit
Generational BTC Wealth Transfer
Know exactly what you pay
—no surprises, ever
Xapo Bank is built on transparency.
We charge honest fees so you always stay in control of your money with no hidden charges.
Transaction Type
Fee
The fastest on-ramp to global wealth
Fund your membership with USDC at 1:1 with zero fees on Ethereum deposits, or use the asset that suits you best. Earn BTC on your USD and stablecoins while you're waiting for your ideal entry.
FiatUSD, GBP, EUR
StablecoinsUSDT / USDC
BitcoinBTC transfer
Features & Accolades
Join a Bank that Understands Your Bitcoin
Explore the full potential of your Bitcoin Wealth. Experience a bank that makes it effortless.3
Still unsure or have questions?
Still unsure or have questions? Our Relationship Managers are standing by to help you make the move to Xapo Bank. Xapo Bank also offers a chance to see if our services are for you. Receive a full refund of the annual $1,000 fee if you cancel your membership within the first 30 days.
Speak to a Relationship Manager