WE work for our members


As a member of Xapo Bank, you can realise the true potential of your wealth, safe in the knowledge it’s protected at all times.

Secure private banking

Protect, access and grow your wealth globally with an international private bank account in a safe jurisdiction. You are free to transact in USD and buy, manage and hold Bitcoin.

Personalised service

Feel supported at every step with guidance from your dedicated account manager, here to ensure a seamless service, answer your day-to-day needs and help you achieve your goals.

Annual interest

Earn 2% annual interest on your US Dollar deposits and 1% on your Bitcoin deposits. Your earnings are paid out daily and there is no requirement to lock up your funds.

A Global Card

Make payments and withdraw cash seamlessly – all around the world, with no hidden fees. Spend US Dollars or Bitcoin and earn 1.1% cashback with every transaction.


How to become a Member

Begin your Xapo Bank application today.
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$10k minimum deposit
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Hold a valid passport (not an ID card)
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Pay our $150 annual fee
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You are 18 years or over

Please note, you won’t need your passport, deposit or annual fee today.

It’s important to be aware that we will ask you to confirm your identity and you will need to meet certain requirements. Rest assured, we keep your information safe and secure. To learn more, please read our Privacy Policy.

Our app is available to download on Android or iOS.

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Make the most of your wealth with personalised help and guidance from your dedicated Xapo Bank account manager.

Schedule Zoom calls whenever you need.



Get helpful answers to frequently asked questions.

If you’re keen to learn more about our international private bank, Xapo Bank membership, how to apply and what to expect, please visit our help centre for guidance.

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