Used for a couple of months now and this could be the bank I’ve been waiting for. Really fits a niche where expats need an offshore bank with on-ramps into UK/EU for costs incurred there. Interest and rewards paid in BTC is great for those who have HODL strategy as this provides a daily (free) DCA against holdings.The recent changes to the fee structure highlighted in some reviews indicate that they aren't the bank for everyone and are not trying to be. If you are in their target customer group then they are a very good fit and deliver an excellent service.App is slick and easy to use and Card arrived quickly within a few days of ordering. Only minor niggles thus far: - I haven’t been able to use the card in all circumstances I’d like (E.g to pay off a monthly credit card to Capture Rewards on this)- Sending USD appears limited to US Banks and ACH, it would be great for expansion of this to include other international banks- I have been unable to add the Card to ApplePayHope these are features that will come in future @zapobank?
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Xapo Bank is the first fully licensed, Bitcoin-enabled bank that combines the security of traditional banking with access to Bitcoin and stablecoins. Regulated by the Gibraltar Financial Services Commission, Xapo Bank facilitates wider use cases for crypto by providing simple and secure ways to store, save, earn and transact in fiat and crypto across borders 24/7.
Established in 2013, Xapo Bank was founded on the belief in the long-term potential of Bitcoin. As the first crypto company in the world to be awarded a banking license, Xapo Bank has since evolved from an e-money wallet into a digital-first bank. Xapo Bank’s proprietary technology provides a seamless bridge between traditional finance and digital assets. Following the sale of its institutional custody business to Coinbase‘s custody arm in 2019, Xapo Bank pivoted to service solely retail customers, focusing on the protection, growth and diversification of wealth.
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