Earn, borrow,
and spend crypto.
All in one place.

Access the premier financial platformbuilt to grow your digital assets.No hidden fees. No minimum balance.

4% xPoints

up to 10% APY

0 hidden fees

Get XBNK now.Available on App Store and Google Play

QR code linking to the XBNK app download

Translucent piggy bank collecting Bitcoin and Ethereum coins

Grow
your savings.

Earn up to 10% on USDC and USDT.

Also BTC, ETH and SOL. Rates are variable and not guaranteed.

01 / 03

Comprehensive wealth solutions for private and corporate clients.

Tailored digital wealth for individual clients.

Coming soon: a dedicated relationship manager and tailored support.

Coming soon: digital asset treasury tools for businesses.

Fund your account effortlessly.

Seamless crypto transfers.

Deposit crypto from any wallet or exchange.

Built for people who refuse to wait on their bank.

Security first.

Identity verification, fraud prevention, and continuous monitoring. XBNK is not a bank and does not insure your funds.

What is XBNK?

XBNK is a financial technology app for people who want their digital assets to work as hard as they do. In one place you can earn on stablecoins and crypto, exchange between assets instantly and spend with a virtual Visa card.

XBNK is built for people who refuse to wait on their bank. You sign up in the app, funding is simple, and rates and lock-in periods are shown before you confirm.

XBNK is not a bank. Custody, card and EUR transfer services are provided by licensed partners under their own terms. Learn more about XBNK and our partners. XBNK is available to users aged 18 and over, and availability is confirmed in the app when you sign up.

Earn on your crypto and stablecoins

XBNK Earn rates as of October 2026: up to 10% on USDC and USDT, 8% on SOL, 6.5% on BTC and 4% on ETH. Rates are variable and not guaranteed.

Most savings accounts pay very little. With XBNK Earn, your digital assets can earn a variable return while they sit in your account.

Current Earn rates

Asset	Rate (up to)
USDC	10%
USDT	10%
SOL	8%
BTC	6.5%
ETH	4%

USDC

Rate (up to): 10%

USDT

Rate (up to): 10%

SOL

Rate (up to): 8%

BTC

Rate (up to): 6.5%

ETH

Rate (up to): 4%

Rates as of October 2026. Rates are variable and not guaranteed, and may change at any time.

Flexible or fixed: you choose

Flexible Earnings. Your balance keeps earning and stays available. You can withdraw at any time, with no penalty.
Fixed Earnings. Lock a balance for a set term. The lock-in period and the rate are shown before you confirm the deposit, so you always know what you are signing up for.

How Earn works

Four steps to start earning with XBNK: download and verify, deposit, turn on Flexible or Fixed Earn, and track your earnings.

1Download XBNK and complete identity verification.
2Deposit stablecoins or crypto, or add EUR by bank transfer.
3Turn on Earn for the assets you choose and pick Flexible or Fixed.
4Track your earnings in the app.

Exchange around 40 digital assets

Move between assets when you need to. XBNK lets you exchange a wide range of digital assets instantly, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), USDT and USDC. You see the amount you pay and the amount you receive before you confirm. The full list of supported assets is always available in the app.

Want to follow prices first? Visit XBNK Markets for live prices, 24-hour changes and market data for every supported asset.

Spend with the XBNK Card

The XBNK Card: a virtual Visa card that works with Apple Pay and Google Pay and gives 4% cashback in xPoints.

The XBNK Card is a virtual Visa card for everyday spending, online and in store.

Pay anywhere Visa is accepted: online and in store.
Add it to your phone wallet: use Apple Pay or Google Pay to pay with your phone.
4% cashback in xPoints: a flat rate on every card purchase, with no categories to track.
No hidden fees: all applicable costs are shown in the app's fee schedule.

The XBNK Card is provided by a licensed card partner under its own terms and KYC requirements. A credit capability is coming soon.

Borrow against your crypto (coming soon)

Sometimes you need cash but don't want to sell your crypto. XBNK is building crypto-backed borrowing, so you can access liquidity while keeping your assets. Borrow is not available yet. Download the app to be notified when it launches.

Who XBNK is for

Stablecoin holders who want their USDC or USDT to earn a return instead of sitting idle.
Long-term crypto holders who want to earn on BTC, ETH or SOL while they hold.
Everyday spenders who want one card for daily purchases, online and in store.
Frequent travellers and digital nomads who want one card and one app for their digital assets.
People new to crypto who want a simple, guided experience with clear rates and fees.

Crypto savings vs a traditional savings account

	Traditional savings account	XBNK Earn
What you hold	Cash in a bank	Stablecoins and crypto
Typical return	Often low	Up to 10% on USDC and USDT (variable)
Access	Depends on the account	Flexible Earn: withdraw any time
Deposit protection	Often covered by a deposit protection scheme	Not insured by XBNK
Price risk	No	Yes for crypto. Stablecoins aim to hold $1

What you hold

Traditional savings account: Cash in a bank

XBNK Earn: Stablecoins and crypto

Typical return

Traditional savings account: Often low

XBNK Earn: Up to 10% on USDC and USDT (variable)

Access

Traditional savings account: Depends on the account

XBNK Earn: Flexible Earn: withdraw any time

Deposit protection

Traditional savings account: Often covered by a deposit protection scheme

XBNK Earn: Not insured by XBNK

Price risk

Traditional savings account: No

XBNK Earn: Yes for crypto. Stablecoins aim to hold $1

Crypto savings can offer higher returns, but they come with different risks. Make sure you understand them before you start.

Understand the risks

We want you to make informed decisions:

Price volatility. The value of crypto such as BTC, ETH and SOL can go down as well as up.
Variable rates. Earn rates can change at any time and are not guaranteed.
No deposit insurance. XBNK is not a bank and does not insure your funds.
Stablecoin risk. Stablecoins aim to keep a stable value, but this is not guaranteed.

Only use money you can afford to keep in digital assets, and read our Terms & Conditions and Privacy Policy before you start. Questions? Contact our team.

Get started in four steps

How to get started with XBNK: download the app, verify your identity, add funds by EUR transfer or crypto, then start earning and spending.

1Download XBNK from the App Store or Google Play.
2Verify your identity. Country availability is confirmed during sign-up.
3Add funds by EUR bank transfer or crypto deposit.
4Start earning and spending. Turn on Earn, exchange assets or add your XBNK Card to your phone wallet.

Frequently asked questions.

XBNK is a financial technology app that lets you earn on your crypto, exchange assets, and spend with the XBNK Card. Borrow is coming soon. XBNK is not a bank.

Deposit crypto or stablecoins, then turn on Earn in the app. Current rates are up to 10% on USDC and USDT, 8% on SOL, 6.5% on BTC, and 4% on ETH. Rates are variable and not guaranteed.

XBNK supports around 40 digital assets including BTC, ETH, SOL, USDT, and USDC. The full list is available in the app.

Availability is determined in the app when you sign up. XBNK is not available in all countries, and accounts are for users aged 18 and over.

No. The XBNK Card is a virtual Visa card. You can add it to your phone wallet manually to pay in stores and online. A credit capability is coming soon.

XBNK is not a bank and does not insure your funds. We use identity verification, fraud prevention, and continuous monitoring. Custody and card services are provided by licensed partners under their own terms.

Flexible Earn balances can be withdrawn at any time with no penalty. Fixed terms have a lock-in period shown before you confirm the deposit.

XBNK has no hidden fees and no minimum balance requirements. A transparent fee schedule is available in the app for any applicable transaction costs.

Flexible Earnings keep your balance available, so you can withdraw at any time with no penalty. Fixed Earnings lock a balance for a set term. The lock-in period and rate are shown before you confirm.

You can add EUR by SEPA bank transfer from an account in your own name, or deposit crypto from any wallet or exchange.

Yes. The XBNK Card is a virtual Visa card that you can add to Apple Pay or Google Pay to pay in stores and online.

xPoints are XBNK's rewards. You receive 4% cashback in xPoints on every XBNK Card purchase, with no spending categories.

No. Earn rates are variable and not guaranteed, and can change at any time. The current rate is always shown in the app before you confirm.

XBNK has no hidden fees and no minimum balance. Any applicable costs are listed in the transparent fee schedule in the app.

Spend anywhere, earn everywhere.

Shop online, pay in store with your phone wallet and earn 4% cashback in xPoints on card purchases. XBNK, your digital wealth companion.