Xapo Bank

Xapo Bank is a fully licensed private bank and Virtual Asset Service Provider (VASP), regulated by the Gibraltar Financial Services Commission (GFSC). It bridges traditional finance with the future of Bitcoin – ideal for globally minded individuals seeking to grow and protect their wealth.

Through the Xapo Bank app, members can securely manage Bitcoin and USD, earn daily interest in BTC, and move funds effortlessly. The Xapo Bank card enables global spending with unlimited cashback in BTC (up to 1%) and no FX fees. USD deposits earn 3.6% APY (up to EUR 100,000 protected), while BTC savings earn up to 0.5% APY on the first 5 BTC. 

Members can also borrow up to 1 million USD instantly with Bitcoin-backed, no-fee loans. The Xapo Bank premium membership comes with beneficiary features so members can plan and pass on their BTC legacy. In addition, Xapo Bank offers a competitive BTC trading fee of 0.1%, typically reserved for the largest institutional players.

Xapo Bank’s premium membership fee to maintain the account is 1,000 USD per year. Xapo members pay once & save on every interaction.