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.
*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
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.
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
Bitstamp
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
More currencies coming soon.
The Xapo
Insider
Catch up on the latest crypto news, and get the inside scoop on our products and services.
Explore The Xapo Insider
