Xapo Bank: Save in BTC & USD

The first banking app in the world to give access to US dollar and Bitcoin accounts and integrate with USDC. Annual interest* on US Dollar deposits and 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.

ANNUAL INTEREST*
We offer annual interest* on US dollar deposits and Bitcoin holdings, paid out daily in satoshis and with no lock-up requirement.
US DOLLAR ACCOUNT: Receive GBP via Faster Payments, EUR via SEPA; receive USDC and USDT, instantly converted to USD. Using the funds in your USD account, you can also send BTC, GBP, EUR, USDT, and USDC.

BITCOIN PAYMENTS
Bitcoin payments with the Lightning Network.

METAL DEBIT CARD WITH UP TO 1.1% CASHBACK
Make payments globally with the Xapo Bank metal card; up to 1.1% cashback on card transactions; zero foreign exchange markups on payments in other currencies. Protected with multiple levels of authentication and transaction alerts.

TRUSTWORTHY WEALTH PROTECTION
Fiat deposits with Xapo Bank are protected up to the US dollar equivalent of €100,000 by the Gibraltar Deposit Guarantee Scheme. We hold liquid assets and large Bitcoin reserves in order to support our financial position.
Our headquarters are in Gibraltar, one of the most trusted financial jurisdictions in the world, and we render our services through two fully regulated Gibraltar 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.

*Further information about our interest rates and fees can be found here: https://customersupport.xapo.com/en_us/do-my-usd-and-btc-funds-in-savings-generate-interest-BywpQyOln