As solid as the Rock of Gibraltar

Xapo Bank is headquartered in Gibraltar, one of the most trusted financial jurisdictions in the world.

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A history of stability
and protection

We believe in financial stability for all. This is why we have established ourselves in Gibraltar – a jurisdiction with a 300+ year history of stability and UK standards of law and protection of property rights.


A forward-thinking jurisdiction

Gibraltar has approached the growing Cryptocurrency and wider Blockchain and Distributed Ledger Technology (DLT) related sector with a progressive and innovative attitude. As an agile and forward-thinking jurisdiction, Gibraltar has been ahead of the game in developing market leading frameworks that are aligned with the fast-changing industry that it regulates. It was first in the world to deliver a Distributed Ledger Technology (DLT) framework in 2018, providing a principles based approach to the regulation of DLT businesses.

In January 2018, Gibraltar became the first jurisdiction in the world to deliver a DLT framework that regulates DLT businesses operating in Gibraltar to evolve dynamically whilst always maintaining the core regulatory and legislative principles.

Xapo security

Legal protection

For those that value rock-solid stability

Xapo VASP, our regulated Virtual Asset Services Provider, received DLT permission from the Gibraltar Financial Services Commission in 2019, allowing us to use Distributed Ledger Technology to store or transmit crypto value and manage digital assets for our customers. In addition, in 2020, Xapo Bank became authorised to operate as a bank and obtained principal membership for our card programs.

Our mission is to provide you with the means to protect your wealth, wherever you are. As a Xapo Bank customer, you expect and deserve the highest level of security. And few places in the world are as secure as the Rock of Gibraltar.

Our regulated entities


Bank License

Xapo Bank is regulated and authorised as a credit institution to provide fiat related services.


Virtual Asset Service Provider

Xapo VASP is regulated and authorised as a Distributed Ledger Technology Provider to provide crypto services.

A safer, more rewarding banking experience

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