Xapo Bank Limited is a company registered and incorporated in Gibraltar with company No. 111928.

Xapo Bank Limited is regulated by the Gibraltar Financial Services Commission under the Financial Services Act 2019 as a ‘credit institution’ under Permission No. 23171.

Xapo VASP Limited is a company registered and incorporated in Gibraltar with company No. 118088 and regulated by the Gibraltar Financial Services Commission under the Financial Services Act 2019 as a ‘DLT institution’ under Permission No. 26061.

We’ve spent years refining our services to provide you (and millions of others around the globe) with the most secure Bitcoin storage in the world.

Now, we’re bringing you the first bank with regulated BTC access.

The first bank with regulated Bitcoin access

Get notified

Our Investors

We don’t compromise on your security

We employ a global team of experts in financial crime and use the latest in blockchain analysis technologies to ensure that your life savings are kept secure. To top it off, your account is fully protected up to the USD equivalent of €100,000 by Gibraltar’s Deposit Guarantee Scheme.

More than just a debit card

With the Xapo Card, the world is yours. Earn cashback, spend in any currency with no added fees, and enjoy a range of premium benefits like airport lounge access and global Wi-Fi when you order your card.

Unparalleled physical protection

Xapo’s vault is buried deep in the Swiss Alps, inside a decommissioned military bunker. Cut off from the Internet, guarded by an onsite security team, and watched over in the skies by satellite, the private keys that lock your bitcoins away are protected from every angle.

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Stay up to date as we add the finishing touches to our digital bank.

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The story so far

Our Investors

2014

We launched what is now one of the leading Bitcoin storage solutions

2019

Xapo received DLT permission from the GFSC, allowing us to use distributed ledger technology for the storage or transmission of crypto value and manage digital assets for our clients

2020

We acquired our Gibraltar banking license and Mastercard and Visa memberships

2021

Xapo relaunches as a digital bank, becoming the first institution of its kind to offer access to both BTC and USD

Launching 2021

We can’t wait to share the new Xapo with you. For years, we’ve worked tirelessly – within the organization and with regulators – to pioneer a platform that bridges the gap between traditional financial institutions and the digital currencies of the future.

A new breed of finance

Xapo is a licensed bank regulated by the Gibraltar Financial Services Commission (GFSC). Your funds are safe in a crypto-friendly financial hub with a lengthy history of outstanding legal protections for consumers.

As a Virtual Asset Service Provider (VASP), Xapo is the first digital bank of its kind – one that offers the convenience of a USD account coupled with a regulated portal into the Bitcoin world.

Virtual Asset Service Provider (VASP)

Gibraltar Financial Services Commission (GFSC)

A digital bank with a heart in Gibraltar

Xapo exists to provide you with the gold standard of protection for your wealth. Now that we’ve established our physical branch in Gibraltar and acquired a banking license, we’re thrilled to be able to offer you a full-fledged suite of financial tools.

With a revamped app, international USD bank account, and all-new Xapo Card, you’ll hold the keys to your very own secure digital vault for just $150 a year. Whether you want to store your Bitcoin for future generations or make day-to-day payments, you can rest easy knowing that the decision is just a touch of a button away.

Protect your life savings for an annual fee of $150 and five minutes of your time

With a global USD bank account, a debit card with premium benefits, and industry-leading Bitcoin services, you can:

Deposit and withdraw funds seamlessly

Get paid and pay others globally

Buy, manage, and store Bitcoin safely

Your deposits are protected up to the USD currency equivalent of €100,000.

Coming soon to iOS & Android

Protect your savings in USD and BTC

2017

Xapo obtained its e-money license, enabling us to issue electronic money to our users