Xapo Bank - Bitcoin Meets Private Banking

Xapo Bank Review - The Future of Crypto Banking

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.

Daily Interest in BTC and USD

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.

Spend Bitcoin With Ease Using the Xapo Card

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.

Built for Security and Regulation

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.

Borderless Banking for the Crypto Generation

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.