Xapo Bank: Save in BTC & USD

International private bank. First in the world to give access to US dollar and Bitcoin accounts, and integrate with USDC. Earn a competitive annual interest rate of 4.1% on your US Dollar deposits and 1% on your Bitcoin holdings, paid daily, with no staking or exposure to the crypto market involved.
FULLY REGULATED BANK
Licensed and regulated by the Gibraltar Financial Services Commission. From our headquarters in Gibraltar, Xapo Bank operates to the same high global standards as other licensed banks in the United Kingdom and Europe.
EARN UP TO 4.1% ANNUAL INTEREST
We offer 4.1% annual interest on US dollar deposits and 1% interest on Bitcoin holdings, paid out every day in satoshis and with no lock up requirement. Grow your wealth in satoshis while you sleep.
FUND YOUR US DOLLAR ACCOUNT IN MULTIPLE WAYS
Receive GBP from the UK and participating territories via Faster Payments; receive USDC, which is instantly converted to USD on a one to one basis. Using the funds in your USD account, you can also send GBP via Faster Payments, or send USDC on a one to one basis, with no fees incurred.
INSTANT, LOW-FEE BITCOIN PAYMENTS
Bring Bitcoin use to your everyday life, with lightning fast Bitcoin payments on the Lightning Network.
METAL DEBIT CARD WITH UP TO 1.1% CASHBACK
The Xapo Bank metal card is as exclusive as you are. Make payments globally; earn up to 1.1% cashback on card transactions; enjoy zero foreign exchange markups on payments in other currencies. Protected with multiple levels of authentication and transaction alerts.
TRUSTWORTHY WEALTH PROTECTION
Your fiat deposits with Xapo Bank are protected up to the US dollar equivalent of €100,000 by the Gibraltar Deposit Guarantee Scheme. We also hold liquid assets and one of the largest Bitcoin reserves in the world, giving you an additional layer of protection.
Our headquarters are in Gibraltar, one of the most trusted financial jurisdictions in the world, and we render our services through two fully regulated entities: Xapo Bank and Xapo VASP.
Xapo Bank Limited is a company registered and incorporated in Gibraltar with company No. 111928. It 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.