Why Xapo Bank for an expat?
Xapo Bank is a digital private bank based in Gibraltar, particularly suited for nomads, expats, and Bitcoin users. Unlike traditional banks, Xapo Bank welcomes you without US-residency requirements and accepts international profiles.
USD account
A real USD account with international routing number. Hold your savings in dollars without depending on a US bank.
Worldwide VISA card
Physical VISA card delivered in most countries. Accepted everywhere, no hidden FX fees abroad.
Built-in Bitcoin custody
Secure custodial Bitcoin wallet with bunker-grade storage. Buy, sell, and hold BTC inside the same app.
Yield on USD and BTC
3.35% on your USD and 0.50% on your Bitcoin. Make your cash work without locking up your funds.
Bank-grade security
Network of physical bunkers for custody, top-tier digital protection, Gibraltar banking license.
For expats and nomads
Built for people who live and work internationally. No need for a US or UK address.
How does the USD 500 BTC bonus work?
Xapo Bank's referral program is generous and symmetric: you and us each receive the equivalent of USD 500 in Bitcoin. Here's how it works:
You apply through our referral link
Click the button above or use code UGD-NEB-JZ at signup.
Xapo reviews your application
Identity verification (KYC) with your passport. Expect a few days to two weeks depending on your profile.
You become an active member
Account activation, initial deposit, normal use of the service.
Bonus credited after 33 days
The equivalent of USD 500 in BTC is credited to your Xapo wallet after 33 consecutive days of membership. We receive the same amount on our side.
You must be 18+, with a valid ID, and a non-resident of the United States or United Kingdom. All new applications are subject to Xapo Bank approval. The bonus is paid only after 33 full days of active membership.
What you need to apply
- Valid passport
- Proof of address (utility bill, recent bank statement)
- Selfie for biometric verification
- Address outside US / UK (to qualify for the referral bonus)
- Initial deposit requested after approval
Frequently asked questions
What's the difference between Xapo Bank and a crypto broker?
Xapo Bank is a licensed bank in Gibraltar with deposit guarantee, not just a crypto exchange. You get a real USD bank account, a VISA card, and the ability to hold Bitcoin in bank-grade custody.
Is the USD 500 bonus guaranteed?
No. The bonus is conditional on: (1) Xapo's approval of your application, (2) eligibility (non-US/UK resident, 18+), (3) 33 consecutive days of active membership. It's the official Xapo program, but they may change the terms at any time.
How much does Xapo Bank membership cost?
Xapo Bank offers paid plans (annual membership). Current details are on their website. The USD 500 bonus comfortably covers the cost of the first year.
Is my Xapo account insured?
Xapo Bank is licensed by the Gibraltar Financial Services Commission. Deposits are protected by the Gibraltar Deposit Guarantee Scheme (FDIC-equivalent). Check current details on xapobank.com.
I'm a French resident — am I eligible?
Yes. The referral program is open to French residents (and most non-US/UK countries). Application remains subject to Xapo approval.
Can I use Xapo Bank for my LLC?
No, Xapo Bank is a personal bank, not business. For your LLC's account, see our Wise Business page.