WE work for our members

Xapo Bank is proud to serve their members. Everything we do has been developed to serve the needs of people who view the world with the lens of possibility.

Who see opportunity when others see challenges and who view the horizon as a place of limitless potential. Our members think differently, and just like our members we seek to make the impossible a reality.

member benefits

As a valued member of Xapo Bank, you will have a remarkable opportunity to capitlise on your wealth's potential, safe in the knowledge it is rigorously protected at all times.

International Private Bank Account

Xapo Bank offers an international bank account in a safe jurisdiction, so you can tap into global financial payments in US Dollars; buy, manage and hold Bitcoin.

A dedicated account manager

Your dedicated account manager is here for all your day-to day needs, ensuring you enjoy a seamless, personalised service.

Sustainable Interest

You will enjoy annual interest rates of 2% on your US Dollar deposits and 1% on Bitcoin deposits, paid daily with no requirement for you to lock up your funds*.

A Global Card

A debit card that facilitates seamless payments online and offline, and cash withdrawals on ATMs across the world. Plus, earn up to 1.1% cashback on card payments.


How to become a Member

We welcome your membership application to Xapo Bank.
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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

We do not need your passport, deposit or annual fee today. However, it is important that you know in advance that we will ask you to confirm your identity and meet certain requirements before we can offer you our services. Read more about how we use your information to keep your account safe.


We are a fully regulated bank and all eligible fiat deposits are protected up to 100,000 US Dollars under the Gibraltar Deposit Guarantee Scheme . We require specific information from prospective members for compliance purposes.

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Join the Bank of the Future