The better way to move your Bitcoin

Tap into our global network to instantly and affordably buy, send, and spend with ease. Your signature Xapo Bank card lets you draw on your BTC balance at every ATM.

Hodl Transact Earn Grow

SAVE 90%*

ON BTC

TRADING FEES

SAVE 90%* ONBTC TRADING FEES

Bitcoin Trading with Xapo Bank

At Xapo Bank, we help you get more out of every Bitcoin trade. With our institutional-level pricing and low† spreads, you can keep more of your money where it belongs—in your pocket. Enjoy our lowest-ever rates with no minimum balance required and no loyalty periods.

Learn more about Institutional-Level Pricing

*Figure reflects differences between Xapo Bank’s BTC trading fees and 2 competitor Bitcoin banks, assuming Xapo Bank’s fees remain 0.1%.
^†Spreads on BTC/USD average 0.1% for all trades

Competitive Pricing

Enjoy pricing usually reserved for institutions, designed to help you maximize every trade.

Low Spreads

Keep more of your money on every trade with our lowest-ever spreads. Save up to 90% in trading fees compared to leading global crypto banks.

Efficient Trading

Trade confidently with our reliable, cutting-edge platform that ensures your transactions are quick and precise.

Move your funds
with ease Move your funds
with ease

Buy, send, deposit, transfer

Get your funds where they need to go day or night.

Instantly and affordably send, receive, and transfer your Bitcoin and US dollars all in one app. Deposit funds into your wallet for your day-to-day transactions, send and receive Bitcoin in just a few taps with the Lightning Network, or transfer to your savings account to start earning interest¹, all available 24/7.

Learn about the Lightning Network

Spend freely, around
the world Spend freely, around
the world

Spend

Bitcoin is accepted everywhere when you use your Xapo Bank card.

You can withdraw funds or make purchases from billions of merchants around the world using your BTC or USD balance.² Pay with your secure virtual card online and use your PVC and metal cards for in-person payments, or to take out cash at an ATM. We don’t charge foreign exchange fees, and you’ll earn cashback in BTC on your purchases.³

Learn more about cashback