Xapo Bank offers a seamless fusion of Bitcoin utility and traditional banking with daily interest, USD deposits, and a secure global debit card.
Regulated in Gibraltar and backed by institutional-grade security, Xapo delivers a modern, compliant crypto banking experience for international clients.
Fully regulated private bank and virtual asset service provider offering USD and Bitcoin accounts with daily interest and full deposit control.
Spend directly in BTC or USD with 1% Bitcoin cashback, no FX fees, and worldwide coverage.
Regulated by the Gibraltar Financial Services Commission with KYC/AML protocols and deposit protection for USD.
Manage Bitcoin and USD seamlessly in a single app with hybrid traditional and digital financial services.
MPC protocols, encrypted communications, and multi-layer cold storage for advanced digital asset security.
Discover top crypto shorting exchanges with Bitcoin.com in the ever-evolving market
Read this article
Find the most cost-effective crypto exchanges with Bitcoin.com .
Read this article
Discover the best Ripple (XRP) exchanges with Bitcoin.com for easy trading
Read this article
Find user-friendly exchanges to trade altcoins with low fees and protections.
Read this article
Explore leading exchanges for day trading BTC and altcoins with advanced features.
Read this articleXapo Bank is a fully licensed private bank headquartered in Gibraltar, offering secure banking services with a crypto-first approach. Built for individuals and institutions alike, the platform combines the familiarity of USD banking with the flexibility of Bitcoin, all under a trusted regulatory framework.
Users can earn daily interest on both BTC and USD deposits — up to 0.5% on BTC, and 3.75% on USD and competitive returns on USD. All interest is paid daily, and in the case of USD, it’s paid in Satoshis, blending traditional finance with crypto-native benefits.
The Xapo Card adds further versatility. This global debit card enables users to spend directly from their Bitcoin or USD balance and offers up to 1% cashback in BTC on purchases. With zero FX fees and real-time notifications, it ensures spending is seamless across borders.
Xapo Bank puts security at the forefront. Its infrastructure uses Multi-Party Computation (MPC) and a distributed key architecture to eliminate single points of failure. Funds are held in highly protected environments, and the bank adheres to rigorous compliance under the Gibraltar Financial Services Commission.
Though no longer operating in the U.S., Xapo remains a strong global solution, particularly for users outside traditional banking access points. The upcoming launch of its native utility token will further enhance services including governance, staking, launchpads, and a crypto debit card rewards program.
Fully regulated private bank and virtual asset service provider offering USD and Bitcoin accounts with daily interest and full deposit control.
Earn daily interest on up to 5 BTC and on your USD balance—paid in Satoshis for added flexibility.
Spend directly in BTC or USD with 1% Bitcoin cashback, no FX fees, and worldwide coverage.
Regulated by the Gibraltar Financial Services Commission with KYC/AML protocols and deposit protection for USD.
Manage Bitcoin and USD seamlessly in a single app with hybrid traditional and digital financial services.
MPC protocols, encrypted communications, and multi-layer cold storage for advanced digital asset security.
Xapo Bank redefines financial freedom by merging the benefits of Bitcoin with the stability of a private banking structure. Operating under a Gibraltar license, it offers users around the world a streamlined platform for holding and earning interest on both crypto and fiat assets.
Xapo Bank users can earn daily interest on both Bitcoin and USD balances — up to 1% per year on BTC holdings and competitive rates for fiat savings. Interest is paid out in Bitcoin, maximizing crypto utility while providing passive income.
The Xapo Card makes it simple to spend your Bitcoin or USD anywhere globally. With 1% cashback in BTC, zero FX fees, and no middleman conversions, the card offers a flexible way to use digital assets in daily life. Whether you're booking flights or shopping online, Xapo ensures smooth transactions.
Xapo Bank’s infrastructure is built on Multi-Party Computation (MPC) and distributed key management, ensuring the highest levels of protection. Backed by strict regulatory oversight from the Gibraltar Financial Services Commission, the bank guarantees compliance and peace of mind.
With its no-FX-fee debit card, multicurrency support, and institutional-grade security, Xapo is well-positioned for global users looking to leverage Bitcoin and USD without the limitations of legacy banking. Whether saving, spending, or earning, Xapo offers a seamless crypto-integrated financial experience.
A seasoned innovator in the gaming and tech world, with nearly two decades of hands-on experience bridging the gap between emerging technologies and interactive entertainment. Since 2006, he has been at the forefront of industry evolution - from early online gaming ecosystems to today's cutting-edge game development tools, streaming platforms, and Web3 integrations.
ads@bitcoin.com
Secure Bitcoin & USD banking with daily interest and Bitcoin cashback
Perks
Welcome bonus
About the Author
