Welcome to Xapo Bank
Protect your savings and grow your wealth
First of its kind, mobile banking app with seamless USD and Bitcoin integration. We are a fully regulated bank based in Gibraltar.
All fiat deposits are protected up to €100,000
We put the ₿ in Banking
The Xapo Bank app is the first of its kind. We’re bringing you the best of both worlds by uniting the stability of traditional banking with a seamless portal into the future of money – Bitcoin.
Our sleek app is your gateway to an international USD bank account, Bitcoin access, and secure storage for your funds. At Xapo, we empower you to build your wealth for generations to come.
Why bank with Xapo?
Deposit and withdraw funds seamlessly
Protect your savings in BTC and USD
Buy, manage, and store Bitcoin
Earn cashback when you use your Xapo Card*
Get paid and pay others globally
Fiat funds protected up to €100,000 by Gibraltar’s Deposit Guarantee Scheme
All for an annual fee of $150!
For those that value stability
We believe in financial stability for all. Which is why we’ve established ourselves in Gibraltar – a nation renowned for its unique blend of robust legal protections for consumers and forward-thinking tech regulations.
Our mission is to provide you with the means to protect your life savings, wherever you are. Treat yourself to unrivaled security with an ironclad account in a safe-haven jurisdiction.
For those that value security
Account protection
Your Xapo account is only associated with a single mobile device at any given time and is protected by your PIN, password and biometric authentication.
Authentication
We also use multi-factor authentication to add an additional layer of protection to your account and transactions.
Location confirmation
Xapo uses location services to ensure that your account isn’t compromised, should you lose your Xapo Card*.
Fraud prevention
We prevent fraud by prompting you to validate online and offline transactions through instant push notifications to your mobile device.
Join Xapo Bank in just three easy steps:
Submit your details via the link below.
Wait for our email with instructions to get started.
Set up your account and deposit your annual fee to enjoy our full suite of services!
How it works
01
Create your account
- You’ll get notified when you can download the Xapo Bank App
- Have the following on hand to complete your application:
- A valid passport
- Tax residency and Tax Identification Number (TIN)
- Proof of Address
- $150 to cover your annual fee
02
Make your first deposit once your account is approved
- We’ll automatically debit your annual fee of $150, which buys you the safety of a USD savings account with a premium debit card*
- Your fiat deposits are fully protected up to the USD currency equivalent of €100,000
03
Embrace a new breed of finance
- Get paid and pay others globally via BTC or bank transfer
- Earn cashback and make fee-free multi-currency transactions with your Xapo Card*
Enjoy the security of a digital bank account based in the European fintech hub of Gibraltar
01
Create your account
- You’ll get notified when you can download the Xapo Bank App
- Have the following on hand to complete your application:
- A valid passport
- Tax residency and Tax Identification Number (TIN)
- Proof of Address
- $150 to cover your annual fee
02
Make your first deposit once your account is approved
- We’ll automatically debit your annual fee of $150, which buys you the safety of a USD savings account with a premium debit card*
- Your fiat deposits are fully protected up to the USD currency equivalent of €100,000
03
Embrace a new breed of finance
- Get paid and pay others globally via BTC or bank transfer
- Earn cashback and make fee-free multi-currency transactions with your Xapo Card*
Enjoy the security of a digital bank account based in the European fintech hub of Gibraltar
What our clients say
I bought bitcoins for the first time with Xapo. Xapo has great customer support and they replied within 30 minutes. I recommend it.
Never had any issue, the account works great and has good customer service. Been with them since Beta and trust them with my money.