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Banking & Financial Services

Xapo Bank

The private bank for Bitcoin — fully regulated Gibraltar bank combining Bitcoin and traditional banking

GibraltarEst. 2013 (banking licence 2023)200+ professionals
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Quick Facts

Best For
Bitcoin-wealthy individuals needing regulated private banking that understands and integrates with their digital asset wealth
Pricing
Private banking tiers; Bitcoin custody minimum applies

Overview

Xapo Bank is a fully licensed Gibraltar bank that has built the most seamless integration of Bitcoin custody and traditional private banking — offering FDIC-equivalent deposit protection on USD balances, Bitcoin custody with institutional-grade security, USD yield on stablecoin holdings, and a premium debit card that bridges Bitcoin wealth and everyday spending. Serving Bitcoin-wealthy individuals globally with a remote-first, private banking model, Xapo is particularly well-positioned for founders and early employees who have significant Bitcoin wealth but need practical banking infrastructure.

Focus Areas

Bitcoin Private BankingBitcoin CustodyUSD Accounts & YieldStablecoin BankingCross-border PaymentsBitcoin-Collateralised Lending

Who They Work With

Bitcoin-wealthy IndividualsCrypto Founders & Early EmployeesHNW Bitcoin HoldersRemote Digital Nomads

Notable Work

First regulated bank offering integrated Bitcoin private banking; institutional Bitcoin custody with Gibraltar banking licence.

Frequently Asked Questions about Xapo Bank

What is Xapo Bank's minimum balance requirement?
Xapo Bank applies private banking tiers with minimum requirements that should be confirmed directly with the bank — the institution serves Bitcoin-wealthy individuals and is oriented toward clients with meaningful digital asset holdings. Specific minimum balance thresholds are not publicly standardised; prospective clients should contact Xapo directly via xapobank.com to understand eligibility requirements.
What crypto assets does Xapo Bank support?
Xapo Bank is focused primarily on Bitcoin — its core proposition is Bitcoin private banking and institutional-grade Bitcoin custody. USD accounts are offered alongside Bitcoin, and stablecoin holdings can earn USD yield. Xapo's positioning is deliberately Bitcoin-first rather than broadly multi-asset, making it the right choice for Bitcoin-wealthy individuals rather than diversified crypto portfolio holders.
Is Xapo Bank regulated?
Yes — Xapo Bank holds a full banking licence from the Gibraltar Financial Services Commission (GFSC), making it a genuinely regulated bank rather than a crypto exchange with banking features. Clients' USD balances receive deposit protection under Gibraltar's deposit guarantee scheme. The bank has operated under this licence since 2023, adding formal banking regulation to its decade-long Bitcoin custody experience.
How does Xapo Bank handle Bitcoin custody?
Xapo Bank provides institutional-grade Bitcoin custody with deep cold storage security — the firm has extensive experience in Bitcoin custody since 2013, before pivoting to full banking. Custody includes multi-signature cold storage, geographic distribution of key material, and insurance coverage on custodied assets. The banking licence adds deposit insurance on USD balances, creating a comprehensive protection framework for both fiat and Bitcoin wealth.
Is Xapo Bank suitable for companies or only individuals?
Xapo Bank is primarily designed for individual Bitcoin-wealthy clients — founders, early employees with significant Bitcoin holdings, crypto investors, and remote digital nomads who need practical banking infrastructure alongside their Bitcoin wealth. Corporate accounts are not Xapo's primary focus; Web3 companies with treasury management needs would generally be better served by SEBA Bank or Customers Bank.
What everyday banking services does Xapo Bank offer?
Xapo Bank offers USD accounts, a premium debit card that bridges Bitcoin wealth and everyday spending, USD yield on stablecoin holdings, cross-border payments, and Bitcoin-collateralised lending. This combination allows Bitcoin-wealthy individuals to use their holdings for day-to-day spending and borrowing without selling — a core value proposition for holders who want liquidity without triggering capital gains events.

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