# Xapo Bank: Save in BTC & USD — Banking and Bitcoin > Regulated international bank offering USD and Bitcoin accounts with interest and debit card. (iPhone/iPad app by Xapo Holdings Limited.) - Source: https://appshunter.io/ios/app/xapo-bank-save-in-btc-and-usd/id1560681080 (this page in markdown: same URL + `.md`) - Developer: [Xapo Holdings Limited](https://appshunter.io/developer/917692891) - Category: Finance, Lifestyle - Price: Free - Rating: 4.70/5 from 105 App Store ratings · 62 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 197 MB - Languages: English - Released: 2021-06-03 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/xapo-bank-save-in-btc-and-usd/id1560681080/reviews.md ## What is Xapo Bank? 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. FULLY REGULATED BANK 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. EARN UP TO 4.1% ANNUAL INTEREST 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. FUND YOUR US DOLLAR ACCOUNT IN MULTIPLE WAYS 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. INSTANT, LOW-FEE BITCOIN PAYMENTS Bring Bitcoin use to your everyday life, with lightning fast Bitcoin payments on the Lightning Network. METAL DEBIT CARD WITH UP TO 1.1% CASHBACK 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. TRUSTWORTHY WEALTH PROTECTION 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. ## Key features - USD and Bitcoin accounts - Earn interest on USD and BTC - Daily interest payments - Instant, low-fee Bitcoin payments - Metal debit card with cashback - Fiat deposit protection up to €100,000 ## Recent user reviews (10 of 62) All indexed reviews: https://appshunter.io/ios/app/xapo-bank-save-in-btc-and-usd/id1560681080/reviews.md ### 5/5 — Security and BTC return *2025-06-09, version 10.32.0* Very happy with this app and Xapo as a business. I’d far rather store my btc (and cash) in a regulated entity than on exchange or wrestling with self custody. ### 2/5 — Buggy, unable to approve a transaction *2025-05-08, version 10.28.0* Using the Xapo card for online shopping is a nightmare. Every time I try to pay, Mastercard throws up a verification screen, but there’s literally nowhere in the Xapo app to approve it—so the payment just fails. Super frustrating. And don’t even get me started on their live chat… it’s so buggy it might as well not exist. Total mess. ### 1/5 — Incompetent app *2025-01-27, version 10.13.0* This app goes round in circles when you try to complete the application and the support is completely hopeless. Don’t waste your time. ### 1/5 — Não me responde o suporte não consigo entrar na minha conta *2024-10-31* Não consigo acessar minha conta ### 1/5 — Bigger scammers *2024-10-23, version 9.35.0* Scammers the take all the money and singin me like i never use thus apk ### 1/5 — Strict Kyc *2024-09-24* Too strict KYC for crypto project like that. It is not possible to open the account with Mexican residence which works in many classic Mexican banks **Developer response:** We apologize for the difficulties you faced during the account opening process. Your feedback is important to us, and we are committed to enhancing our service. Please provide more details at support@xapo.com so we can resolve your concerns. ### 1/5 — Xapo closed account and kept my money *2024-09-03, version 9.28.0* After paying the account opening fee and depositing funds, they then close the account and refuse to respond to any Support request to return my money! Shocking ### 5/5 — Great Bank with a wide range of investment options *2024-08-19* In addition to the headline, the mobile app is very well done with a fantastic user experience. Keep up the great work. **Developer response:** We appreciate your kind words about our investment options and user experience! Your encouragement motivates us to continue delivering the best service. ### 1/5 — Jeanne *2024-07-11* C’est une banque d’arnaque ils te font payer les 150$ pour l’alimentation du compte et après tu ne peux plus recevoir du virement **Developer response:** Nous comprenons votre frustration concernant les frais et les limitations de virement. Votre retour est essentiel pour nous améliorer. N'hésitez pas à utiliser les options de support dans l'application pour obtenir de l'aide. ### 1/5 — La peor experiencia bancaria que he tenido *2024-06-18* Mi experiencia con Xapo Bank ha sido absolutamente desastrosa. El 4 de junio de 2024, envié mis datos para que se reembolsaran mis fondos debido al cierre de mi cuenta. Me prometieron que el retiro se completaría en 9 días hábiles, pero hasta la fecha no he recibido ni un solo centavo y, peor aún, no tengo acceso a mi cuenta. La falta de transparencia y la absoluta indiferencia hacia los problemas de sus clientes es inaceptable. He intentado contactar al servicio de atención al cliente en múltiples ocasiones, pero solo recibo respuestas vagas y sin ningún compromiso real de resolver mi situación. Es una vergüenza que una entidad financiera trate a sus clientes de esta manera. Según las leyes de la Comisión de Servicios Financieros de Gibraltar, Xapo Bank debería actuar de manera justa y diligente, pero han fallado miserablemente en cumplir con estos principios. Si no reciben mi dinero, me veré obligado a tomar medidas legales contra ellos. No confíen en Xapo Bank. Su servicio es pésimo y su gestión de fondos es extremadamente negligente. Manténganse alejados de esta app si valoran su dinero y su tranquilidad. Usuario: Martín Cruz Alós **Developer response:** Lamentamos profundamente la situación que has experimentado. Entendemos tu frustración por la la demora en el reembolso. Tu retroalimentación es crucial para mejorar. Por favor, contáctanos a talktous@xapo.com o través de la app para una asistencia inmediata. ## Frequently asked questions about Xapo Bank ### What is Xapo Bank? Xapo Bank is a fully regulated international private bank that provides access to US dollar and Bitcoin accounts. It is licensed and regulated by the Gibraltar Financial Services Commission, operating under high global standards. ### How can I earn interest with Xapo Bank? You can earn a competitive annual interest rate of 4.1% on your US dollar deposits and 1% on your Bitcoin holdings. These interest payments are made daily, with no staking or exposure to the crypto market required. ### Is my money safe with Xapo Bank? Yes, your fiat deposits are protected up to the US dollar equivalent of €100,000 by the Gibraltar Deposit Guarantee Scheme. The bank also holds liquid assets and significant Bitcoin reserves for additional protection. ### What are the features of the Xapo Bank metal debit card? The Xapo Bank metal debit card allows for global payments and offers up to 1.1% cashback on transactions. It also features zero foreign exchange markups on payments in other currencies and is protected by multiple authentication layers. ### How can I fund my US dollar account? You can fund your US dollar account by receiving GBP from the UK and participating territories via Faster Payments. Additionally, you can receive USDC, which is instantly converted to USD on a one-to-one basis. ## Version history (last 5 releases) ### 8.41.0 — 2023-08-01 We have made some improvements to the look and feel of your app. ### 8.39.0 — 2023-07-12 We have made some enhancements to make your app experience even better. ### 8.35.0 — 2023-07-10 Introduced Wealth tab with separate high-yield savings accounts for USD and BTC — a more secure way to keep everyday expenses and savings apart. ### 8.33.0 — 2023-05-30 We made improvements to how your app looks and feel, and fixed a few bugs to enhance your overall app experience. ### 8.32.0 — 2023-05-28 We have enabled USDT deposits to give you more crypto deposit options. You can now receive USDT on the Ethereum network, which are instantly converted at the going USDT:USD market rate and deposited into your Xapo Bank US dollar account. We have also made improvements to how your app looks and feel, and fixed a few bugs to enhance your overall app experience. ## Apps similar to Xapo Bank | App | Rating | Price | Category | | --- | --- | --- | --- | | [Сhoise.com](https://appshunter.io/ios/app/hoisecom/id1360632912) | 4.1 (935) | Free | Finance | | [Vesseo: Your Global Wallet](https://appshunter.io/ios/app/vesseo-your-global-wallet/id1514223107) | 4.7 (46) | Free | Finance | | [ARQ (formerly DolarApp)](https://appshunter.io/ios/app/arq-formerly-dolarapp/id1567954123) | 4.4 (775) | Free | Finance | | [GrabrFi: US Account](https://appshunter.io/ios/app/grabrfi-us-account/id1576687725) | 4.7 (293) | Free | Finance | | [Zenus Bank](https://appshunter.io/ios/app/zenus-bank/id1536224222) | 3.0 (26) | Free | Finance | | [Dukascopy – Swiss Mobile Bank](https://appshunter.io/ios/app/dukascopy-swiss-mobile-bank/id1414311580) | 4.6 (357) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*