THE BETTER WAY TO EARN ON BITCOIN
Turn every opportunity into more Bitcoin. Earn daily BTC interest on both your BTC and USD balances1. Get Bitcoin cashback every time you spend. Stack even more with referral rewards3. No staking, no lending, no hidden fees. Just pure Bitcoin earnings.
Your Bitcoin stays safe
Get Bitcoin, from your Bitcoin
Xapo Bank pays you real Bitcoin rewards without ever putting your BTC at risk5. We don’t lend or leverage your deposits. Instead, we use our own capital, so your Bitcoin stays safe while you keep stacking daily.
Learn how we generate yield without risking your Bitcoin
Your access stays instant
Earn nearly 10x more than the norm*
Earn annual yield with no restrictions standing in your way. Your money stays liquid, your access stays instant, and your savings grow every day. We fuel your earnings using short-term US Treasury Bills and high-quality liquid assets, keeping your wealth protected while it works for you.
*Based on the National Rates and Rate Caps published by the FDIC on March 17, 2025.
Learn how we generate yield without risking your Bitcoin
Watch your growth in real-time
The power of daily payouts
Most banks make you wait for your interest. Some only pay out quarterly or even yearly, while others offer rates so low they barely count.
With us, Bitcoin earnings hit your account every single day, keeping your savings working around the clock.
Your money. Your rules.
No lock-ups. Just freedom
Some banks lock your money for up to 5 years or may even require 90 days' notice to withdraw it.
Xapo Bank? You can take out your money whenever you want. No minimum balance, no maintenance fees, and no waiting. Freedom and flexibility aren’t perks. They are the standard.
List of elligible countries for Xapo Bank card:
- Åland Islands
- Albania
- Algeria
- American Samoa
- Andorra
- Angola
- Anguilla
- Antigua and Barbuda
- Argentina
- Armenia
- Aruba
- Austria
- Azerbaijan
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belgium
- Belize
- Benin
- Bermuda
- Bhutan
- Bolivia
- Bonaire
- Botswana
- Bouvet Island
- Brazil
- British Indian Ocean Territory
- British Virgin Islands
- Brunei
- Burkina Faso
- Burundi
- Cambodia
- Cameroon
- Cape Verde
- Cayman Islands
- Chad
- Chile
- China
- Christmas Island
- Cocos Islands
- Colombia
- Comoros
- Congo
- Cook Islands
- Costa Rica
- Curaçao
- Denmark
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Ethiopia
- Falkland Islands
- Faroe Islands
- Fiji
- Finland
- France
- French Guiana
- French Polynesia
- French Southern and Antarctic Lands
- Gabon
- Gambia
- Georgia
- Germany
- Ghana
- Gibraltar
- Greece
- Greenland
- Grenada
- Guadeloupe
- Guam
- Guatemala
- Guernsey
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Heard Island and McDonald Islands
- Honduras
- Hungary
- Iceland
- Ireland
- Isle of Man
- Italy
- Jamaica
- Japan
- Jersey
- Jordan
- Kazakhstan
- Kiribati
- Kosovo
- Kuwait
- Kyrgyzstan
- Laos
- Lesotho
- Liberia
- Liechtenstein
- Luxembourg
- Macao
- Madagascar
- Malawi
- Maldives
- Mali
- Malta
- Marshall Islands
- Martinique
- Mauritania
- Mauritius
- Mayotte
- Mexico
- Micronesia
- Midway Islands
- Moldova
- Monaco
- Mongolia
- Montenegro
- Montserrat
- Morocco
- Mozambique
- Namibia
- Nauru
- Nepal
- Netherlands
- New Caledonia
- New Zealand
- Niger
- Niue
- Norfolk Island
- North Macedonia
- Northern Mariana Islands
- Norway
- Oman
- Pakistan
- Palau
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Pitcairn Islands
- Poland
- Portugal
- Puerto Rico
- Qatar
- Reunion
- Romania
- Rwanda
- Saint Barthelemy
- Saint Helena, Ascension and Tristan da Cunha
- Saint Kitts and Nevis
- Saint Lucia
- Saint Martin
- Saint Pierre and Miquelon
- Saint Vincent and the Grenadines
- Samoa
- San Marino
- Sao Tome and Principe
- Saudi Arabia
- Senegal
- Seychelles
- Sierra Leone
- Singapore
- Sint Maarten
- Slovakia
- Slovenia
- Solomon Islands
- South Africa
- South Georgia and the South Sandwich Islands
- South Korea
- Spain
- Sri Lanka
- Suriname
- Svalbard and Jan Mayen
- Swaziland
- Sweden
- Switzerland
- Tahiti
- Taiwan
- Tajikistan
- Tanzania
- Timor-Leste
- Togo
- Tokelau
- Tonga
- Trinidad and Tobago
- Tunisia
- Turkey
- Turkmenistan
- Turks and Caicos Islands
- Tuvalu
- Uganda
- Ukraine
- United Arab Emirates
- United Kingdom
- Uruguay
- US Minor Outlying Islands
- US Virgin Islands
- Uzbekistan
- Vanuatu
- Vatican City
- Vietnam
- Wake Island
- Wallis and Futuna
- Western Sahara
- Yemen
- Zambia
IT PAYS TO SPEND
Get rewarded whenever you spend. Use your card at billions of merchants worldwide and earn up to 1.0% cashback with your sleek metal card, or up to 0.5% with your virtual or PVC card, all paid out in Bitcoin2. Just another way to keep you stacking.
The Xapo
Insider
Catch up on the latest crypto news, and get the inside scoop on our products and services.
Explore The Xapo Insider
Security or Convenience: Which Should You Prioritise For Your Bitcoin?
Read Article
