Xapo Bank allows its members to buy and sell Bitcoin (BTC) directly through its mobile app, serving as a regulated bridge between traditional banking and digital assets.
: The app supports the Lightning Network , allowing for near-instant Bitcoin deposits and low-cost transfers. Earning & Holding Features Xapo Bank: Grow & Protect Your Wealth in Bitcoin* & USD
: Transactions are finalized with a PIN or biometric authentication within the app. Fees & Pricing
: You must first deposit funds into your Xapo Bank USD account via bank transfer (FedWire, FedACH, or SEPA).
: You can place one-time market buys or set up recurring buy orders on a daily, weekly, or monthly basis.
: To buy BTC, you use the "Exchange" or "Swap" feature to convert USD into Bitcoin.
: Xapo charges no direct transaction fees for buying/selling BTC but applies a 0.10% spread on the quoted price.