Xapo Bank: Save in BTC & USD 8.41.0

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).