Numbers don't lie
We go head-to-head with the biggest names in the market and win. The numbers speak for themselves. Xapo Bank consistently outperforms the best players in the market on Bitcoin pricing, saving you up to 90%* compared to other banks. That's more Bitcoin when you buy, and more money when you sell.
Find out how to keep more of what's yours*Please note that the exchange rates on different platforms may differ and influence the total amount of Bitcoin that you will receive.*
Cost built into the price is true to date 24 February, 2025. Costs may vary based on the subscription plan that you use on the different platforms. Presented costs are for market orders.
* 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.
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
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
Buy and sell bitcoin
Set up automated recurring buys for Bitcoin so you never miss the dip.
Put your Bitcoin savings on autopilot. There are no hidden fees, and no restriction on your funds.
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
KEEP YOUR PRIVATE TRANSACTIONS, PRIVATE
Cashing in or out?
We make it easy and instant with access to global transaction networks at affordable rates.
Blockchain and Lightning Network
Send and receive Bitcoin
Federal Reserve Automated Clearing House
Send and receive USD
Stablecoins
Send and receive USDT and USDC
Single Euro Payment Area
Send and receive EUR
Faster Payments Service
Send and receive GBP
Universal Money Address
Withdraw in BTC, ARS, and PHP
Real-Time Payments
Send USD to US Banks instantly and 24/7
SPEI
Send MXN to Mexican banks instantly and 24/7
The Xapo
Insider
Catch up on the latest crypto news, and get the inside scoop on our products and services.
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Security or Convenience: Which Should You Prioritise For Your Bitcoin?
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