Integrated Wallet
Mobile App
Business Accounts
Affiliate Program
Two-factor Authentication
Licensed in Gibraltar
Based in Gibraltar
Xapo Bank
Xapo Bank is a licensed bank and Virtual Asset Service Provider (VASP) offering secure Bitcoin storage, seamless fiat–crypto transfers, and daily BTC interest. Its app lets members protect, spend, and grow BTC, while its card enables global spending in USD or BTC with cashback, no FX fees, and competitive rates. USD savings earn 3.35% APY (up to EUR 100,000 protected) and BTC savings up to 0.5% APY. Members can also borrow up to USD 1M instantly with Bitcoin-backed loans and zero fees.
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