Xapo Bank: Save in BTC & USD 4+

Banking and Bitcoin

Xapo Holdings Limited

Designed for iPhone

    • 4.7 • 94 Ratings
    • Free

iPhone Screenshots


International private bank. First in the world to give access to US dollar and Bitcoin accounts, and integrate with USDC. Earn a competitive annual interest rate of 4.1% on your US Dollar deposits and 1% on your Bitcoin holdings, paid daily, with no staking or exposure to the crypto market involved.

Licensed and regulated by the Gibraltar Financial Services Commission. From our headquarters in Gibraltar, Xapo Bank operates to the same high global standards as other licensed banks in the United Kingdom and Europe.

We offer 4.1% annual interest on US dollar deposits and 1% interest on Bitcoin holdings, paid out every day in satoshis and with no lock up requirement. Grow your wealth in satoshis while you sleep.

Receive GBP from the UK and participating territories via Faster Payments; receive USDC, which is instantly converted to USD on a one to one basis. Using the funds in your USD account, you can also send GBP via Faster Payments, or send USDC on a one to one basis, with no fees incurred.

Bring Bitcoin use to your everyday life, with lightning fast Bitcoin payments on the Lightning Network.

The Xapo Bank metal card is as exclusive as you are. Make payments globally; earn up to 1.1% cashback on card transactions; enjoy zero foreign exchange markups on payments in other currencies. Protected with multiple levels of authentication and transaction alerts.

Your fiat deposits with Xapo Bank are protected up to the US dollar equivalent of €100,000 by the Gibraltar Deposit Guarantee Scheme. We also hold liquid assets and one of the largest Bitcoin reserves in the world, giving you an additional layer of protection.

Our headquarters are in Gibraltar, one of the most trusted financial jurisdictions in the world, and we render our services through two fully regulated entities: Xapo Bank and Xapo VASP.

Xapo Bank Limited is a company registered and incorporated in Gibraltar with company No. 111928. It is regulated by the Gibraltar Financial Services Commission under the Financial Services Act 2019 as a ‘credit institution’ under Permission No. 23171.

Xapo VASP Limited is a company registered and incorporated in Gibraltar with company No. 118088 and regulated by the Gibraltar Financial Services Commission under the Financial Services Act 2019 as a ‘DLT institution’ under Permission No. 26061.

What’s New

Version 8.41.0

We have made some improvements to the look and feel of your app.

Ratings and Reviews

4.7 out of 5
94 Ratings

94 Ratings

saimonmac ,

Great way to have my wealth growing without freezing any pf my funds

I really like the fact that I have my funds in my bank account and Xapo pays me interest evry day on these without the need of freezing my funds.
The above, combined with the fact that I can use my Xapo Card for every day purchases make an amazing combination to have an account here.

Developer Response ,

Thank you for your stars! One of our main goals is to provide high-value service to our members and your feedback tells us that we are on the right path, we would love to hear more about your Xapo experience at talktous@xapo.com, have a great day!

Nanah43 ,

Amazing support

I expressed my concern and the matter was solved immediately. Not only empathic but also fast in execution. Thank you so much!!

Developer Response ,

Hello there! Thanks a lot for your stars! Don't hesitate to tell us more about your experience at talktous@xapo.com! We're thrilled to have become a bank under a solid jurisdiction like Gibraltar! Have a great evening!

gacpro ,

Very expensive fees and poor customer support

They started to charge users with a USD 150 per year fee which is more expensive than traditional banks. I complained with customer support because they didn’t let me know about this fee beforehand. Then, they cancelled my card without my consent with the excuse they needed to do that to make a refund. Now my balance has been hijacked because I don’t have a card to withdraw my money from an ATM and bank transfers won’t work. They robbed me.

Developer Response ,

Dear Gabriel, We are sorry to hear about this experience, we strive to be the best support in the world and this definitely does not reflect the work that we do, please get in contact with us at support@xapo.com to assist you. We will do everything in our hands to sort this out for you and change the impression of our bank. We are looking forward to hearing from you.

App Privacy

The developer, Xapo Holdings Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location

Privacy practices may vary, for example, based on the features you use or your age. Learn More

You Might Also Like