Xapo Bank: Save in BTC & USD 8.41.0

Xapo Holdings Limited – Freeware – Android iOS
out of 100 votes

Xapo Bank: The Best of Both Worlds for Crypto Savers

Boris Weber

01/29/2025

Xapo Bank offers a seamless way to save in both Bitcoin and USD, providing security and flexibility for cryptocurrency enthusiasts and traditional savers alike.

International private bank. Xapo Bank is a leading international private bank that offers a range of exclusive financial services. It is the first bank in the world to provide access to US dollar and Bitcoin accounts, while also integrating with USDC.

Fully regulated and trusted. Xapo Bank is licensed and regulated by the Gibraltar Financial Services Commission, ensuring that it operates to the highest global standards. The bank meets the same regulatory requirements as other licensed banks in the United Kingdom and Europe.

Earn competitive interest rates. Grow your wealth with Xapo Bank's attractive interest rates. Earn an annual interest rate of 4.1% on your US dollar deposits and 1% on your Bitcoin holdings. Interest is paid out daily, allowing you to benefit from compounding returns.

Flexible funding options. You can fund your US dollar account in multiple ways. Receive GBP from the UK and participating territories via Faster Payments or receive USDC, which is instantly converted to USD on a one-to-one basis. You can also send GBP or USDC using the funds in your USD account, with no fees incurred.

Instant, low-fee Bitcoin payments. Xapo Bank enables lightning-fast Bitcoin payments on the Lightning Network, making it convenient to integrate Bitcoin into your everyday life.

Metal debit card with cashback. Experience the exclusivity of the Xapo Bank metal debit card. With global payment capabilities, you can make transactions anywhere. Earn up to 1.1% cashback on card transactions and enjoy zero foreign exchange markups on payments in other currencies. The card is protected with multiple levels of authentication and transaction alerts for your peace of mind.

Trustworthy wealth protection. Xapo Bank provides comprehensive wealth protection. Your fiat deposits are safeguarded up to the US dollar equivalent of €100,000 through the Gibraltar Deposit Guarantee Scheme. In addition, Xapo Bank holds substantial liquid assets and one of the largest Bitcoin reserves in the world, offering an extra layer of security.

Regulated entities. Xapo Bank operates through two fully regulated entities: Xapo Bank Limited and Xapo VASP Limited. These entities are registered and incorporated in Gibraltar and are regulated by the Gibraltar Financial Services Commission under the Financial Services Act 2019. Xapo Bank Limited operates as a 'credit institution' (Permission No. 23171), while Xapo VASP Limited is a 'DLT institution' (Permission No. 26061).

Overview

Xapo Bank: Save in BTC & USD is a Freeware software in the category Business developed by Xapo Holdings Limited.

The latest version of Xapo Bank: Save in BTC & USD is 8.41.0, released on 01/10/2024. It was initially added to our database on 01/10/2024.

Xapo Bank: Save in BTC & USD runs on the following operating systems: Android/iOS.

Users of Xapo Bank: Save in BTC & USD gave it a rating of 5 out of 5 stars.

Pros

Multicurrency wallet allowing users to save in both Bitcoin and USD
User-friendly interface for easy management of funds
High level of security with features like two-factor authentication and cold storage for cryptocurrencies
Provides a debit card for easy spending of funds
Offers the ability to earn interest on deposited funds

Cons

May not be available in all countries due to regulatory restrictions
Fees may be higher compared to traditional banks or wallets
Limited customer support options
Security breaches in the past could raise concerns about the safety of funds

Boris Weber

I am an editor at UpdateStar. I started as a support engineer, and am now specialized in writing about general software topics from a usability and performance angle among others. I telecommute from UpdateStar’s Berlin office, when I am not working remote as a digital nomad for UpdateStar. When I'm not analyzing the latest software updates, you can find me exploring new cities, immersing myself in local cultures, and discovering innovative tech trends across the globe.

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Latest Version
8.41.0

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