A Members-Only Private Bank For Bitcoin Holders

We’ve spent over a decade perfecting banking for those who believe in Bitcoin. Secure, spend, and grow your wealth with us.

The freedom of a life Fuelled by Bitcoin

Xapo serves the full spectrum of Bitcoin wealth.

We give those who want to hold liquidity without losing exposure, and those building wealth, a path to grow their holdings.

With an unmatched security infrastructure and world-class service, Xapo is the partner your Bitcoin deserves.1

Features & accolades

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A Life Funded by Bitcoin

Up to 4%APY
Earn compounding interest in BTC
Xapo Bank pays all interest in Bitcoin, so your earnings increase along with Bitcoin’s growth.
  • Up to 4% APY, paid in BTC, on Bitcoin investments2
  • 3.35% APY, paid in BTC, on USD deposits3
  • Up to 1% BTC cashback on card purchases, uncapped4
Learn More

Finance the Dreams,

Keep the Bitcoin

Borrow all you need
Don’t spend Bitcoin when you need cash
Xapo understands the value of keeping your long-term holdings intact, that’s why we give you instant liquidity, when you need it.5
  • Pre-approved loans based on your asset value
  • Near-instant cash deposit in one app
  • Zero fees and flexible terms
Estimate your Loan

Exclusive Benefits, Only For Members

Secure, Spend and Grow your Bitcoin with us

Peace of Mind for your Life Savings

  • Bitcoin Security Perfected Since 2013
  • At Xapo Bank, we ensure you are the only one who will ever have control over your wealth with three layers of Bitcoin security.1,8
Real Support When You Need it

Real Support When You Need it

  • Dedicated Relationship Manager
  • A personal relationship manager is always by your side to support any financial journey.

Around Since the Beginning

Established
1956
Capital Ratio
110%
Liquidity Ratio
1606%

What Our Members Say

You Were Right About Bitcoin

You Were Right
About Bitcoin

And now you have a bank that understands.
We provide rock-solid security and the premium services of a private, members-only bank that is built to increase your Bitcoin wealth.1,8

Always Here For You

A dedicated relationship manager

Around-the-clock VIP service

Bespoke banking solutions

Be in the know.
Unlock the future of money.

Get the latest Bitcoin news, product updates, and exclusive insights from Xapo Bank.