Xapo Bank
Xapo Bank
Banca with license vera (Gibraltar); 3,6% APR on USD; BTC-backed loans; 0% FX. Annual fee $1.000; only premium; no USA. Annual fee $1.000; bank-grade KYC
Data & conditions
| Account fee | — |
|---|---|
| IBAN | dedicato |
| ATM withdrawal | Free |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK, APAC, LATAM, MENA, AFRICA · 110+ countries |
| Regulator | GFSC |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | Banking License (Gibraltar) Gibraltar FSC (bank + VASP); deposit guarantee GBP 120K fiat |
Plans & pricing
Strengths
- Banca with license vera (Gibraltar); 3,6% APR on USD; BTC-backed loans; 0% FX.
Weaknesses
- Annual fee $1.000; only premium; no USA.
Verdict
Banca with license vera (Gibraltar); 3,6% APR on USD; BTC-backed loans; 0% FX. Annual fee $1.000; only premium; no USA. Annual fee $1.000; bank-grade KYC
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
Is Xapo Bank a real bank?
Xapo Bank operates under a Banking License (Gibraltar) licence (GI). It is regulated by GFSC. Fund protection: $100k USD insurance privata.
Can I send transfers to third-party IBANs with Xapo Bank?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Xapo Bank support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Xapo Bank support?
The number of supported fiat currencies is not documented. Multi-currency accounts: supported.
Can I withdraw crypto on-chain from Xapo Bank?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).