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The better way to move your Bitcoin | Xapo Bank

2024.12.12 21:08

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The better way to move your Bitcoin

Tap into our global network to instantly and affordably buy, send, and spend with ease. Your signature Xapo Bank card lets you draw on your BTC balance at every ATM.

Hodl Transact Earn Grow SAVE 90%* ON BTC TRADING FEES

SAVE 90%* ON BTC TRADING FEES

Bitcoin Trading with Xapo Bank At Xapo Bank, we help you get more out of every Bitcoin trade. With our institutional-level pricing and low† spreads, you can keep more of your money where it belongs—in your pocket. Enjoy our lowest-ever rates with no minimum balance required and no loyalty periods. Learn more about Institutional-Level Pricing

Competitive Pricing

Enjoy pricing usually reserved for institutions, designed to help you maximize every trade.

Low Spreads

Keep more of your money on every trade with our lowest-ever spreads. Save up to 90% in trading fees compared to leading global crypto banks.

Efficient Trading

Trade confidently with our reliable, cutting-edge platform that ensures your transactions are quick and precise.

*Figure reflects differences between Xapo Bank’s BTC trading fees and 2 competitor Bitcoin banks, assuming Xapo Bank’s fees remain 0.1%.
† Spreads on BTC/USD average 0.1% for all trades

Move your funds
with ease Move your funds
with ease

Buy, send, deposit, transfer

Get your funds where they need to go day or night.

Instantly and affordably send, receive, and transfer your Bitcoin and US dollars all in one app. Deposit funds into your wallet for your day-to-day transactions, send and receive Bitcoin in just a few taps with the Lightning Network, or transfer to your savings account to start earning interest 1 , all available 24/7.

Learn about the Lightning Network Read more

Spend freely, around
the world Spend freely, around
the world

Spend

Bitcoin is accepted everywhere when you use your Xapo Bank card.

You can withdraw funds or make purchases from billions of merchants around the world using your BTC or USD balance. 2 Pay with your secure virtual card online and use your PVC and metal cards for in-person payments, or to take out cash at an ATM. We don’t charge foreign exchange fees, and you’ll earn cashback in BTC on your purchases. 3

Learn more about cashback Read more

Buy and sell bitcoin in
your sleep Buy and sell bitcoin in
your sleep

Buy and sell bitcoin

Set up automated recurring buys for Bitcoin so you never miss the dip.

Put your Bitcoin savings on autopilot. There are no hidden fees, and no restriction on your funds.

Keep your private transactions, private

Tracking protection Tracking protection Your Bitcoin accounts feature privacy by design to protect your data and information. Transactions are only monitored by Xapo for your security.

Cashing in or out?

We make it easy and instant with access to global transaction networks at affordable rates.

Blockchain and Lightning Network

Send and receive Bitcoin

Federal Reserve Automated Clearing House

Send and receive USD

Bitstamp

Send and receive USDT and USDC

Single Euro Payment Area

Send and receive EUR

Faster Payments Service

Send and receive GBP

Universal Money Address

Withdraw in BTC, ARS, and PHP

Real-Time Payments

Send USD to US Banks instantly and 24/7

More currencies coming soon.

The Xapo
Insider

Catch up on the latest crypto news, and get the inside scoop on our products and services.

Explore The Xapo Insider Article - Dec 05, 2024

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Planning for tomorrow: how to nominate Bitcoin beneficiaries

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Make Bitcoin inheritance simple with our new beneficiary feature

Read Article News Article - Oct 07, 2024

How Xapo Bank is Enhancing Bitcoin Trading with FalconX

Read Article News Article - Oct 07, 2024

Why Institutional-Level Bitcoin Pricing Matters for Your Trades

Read Article Apply now Join Xapo Bank Become a member Ready to upgrade your finances?

*Our current pricing, subject to constant change.

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Legal

Privacy Policy Cookie Policy Website Terms of Use Responsible Disclosure Legal Notice Gibraltar Deposit Guarantee Scheme Back to top

One Grand Casemates Square Gibraltar, GX11 1AA

1 Interest on Bitcoin deposits will only be paid on balances of 5 BTC or less. The Annual Interest Rate offered on both USD and Bitcoin deposits is variable and may change at any time. Interest on both USD and BTC is currently paid in Satoshis. We may instead choose to pay it in any other supported currency or currencies (fiat and/or crypto) from time to time. Please see our Interest FAQs for more information.

2 The Xapo Bank card can be used globally, however, we cannot guarantee that a particular ATM will accept it. Members may also incur charges directly from the ATM operator for a withdrawal. For more information see our FAQs.

3 Please note that some merchant categories are excluded from earning cashback. Please see our Xapo Bank card FAQs for more information.

4 This information is not investment advice. Crypto asset values can go up as well as down and you could lose all the money you invest. This is a high-risk investment and you are not protected if it loses all or some of its value. Past performance is not indicative of future results. Bitcoin deposits are not covered by the Gibraltar Deposit Guarantee Scheme

This Financial Promotion has been approved by Xapo Bank Limited on July 22, 2024.

Any translation of our website into any language other than English is for convenience purposes only. In the event of any conflict or inconsistency between the English version and a translated version, the English version shall prevail.

Xapo Bank Limited is a company registered and incorporated in Gibraltar with company No. 111928. Xapo Bank Limited 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.