Company

About XBNK

XBNK is a financial technology company building one app where people can earn on their crypto, exchange digital assets and spend with a virtual Visa card. We make digital wealth simple, clear and accessible for people who refuse to wait on their bank.

Our mission

Digital assets have changed what money can do, but using them still feels complicated. Most people juggle a wallet, an exchange, a savings product and a bank card, each with its own rules and fees.

Our mission is to bring all of that into one place. With XBNK you can grow your savings, manage your assets and spend anywhere, from a single app with clear pricing and no hidden fees.

What we do

Earn. Flexible and fixed earning on stablecoins and crypto, currently up to 10% on USDC and USDT. Rates are variable and not guaranteed.
Exchange. Instant exchange between around 40 digital assets, including BTC, ETH, SOL, USDT and USDC. See live prices on XBNK Markets.
Spend. The XBNK Card, a virtual Visa card that works with Apple Pay and Google Pay and gives 4% cashback in xPoints.
Coming soon. Crypto-backed borrowing, a credit capability on the XBNK Card, XBNK Private and XBNK Corporate.

Our licensed partners

XBNK is a technology company, not a bank. We work with licensed and regulated partners to provide key services: custody of digital assets, the XBNK Card (Visa), and EUR bank transfers (SEPA).

Each partner provides its services under its own terms and KYC requirements. You can find these terms in the app and in our Terms & Conditions.

How we protect our users

How XBNK protects users: identity verification, fraud prevention, continuous monitoring, licensed partners and clear disclosures.

Identity verification. Every customer completes KYC checks before using XBNK services.
Fraud prevention. We monitor activity to detect and stop suspicious transactions.
Continuous monitoring. Accounts and transactions are monitored continuously.
Licensed custody. Digital assets are held through licensed custody partners.
Clear disclosures. We tell you what XBNK is and isn't: we are not a bank, we do not insure your funds and Earn rates are variable and not guaranteed.

How XBNK works

XBNK brings together our own technology and services from licensed partners:

1The XBNK app is where you sign up, verify your identity and manage your account, earnings, exchanges and card.
2Licensed custody partners hold the digital assets in your account.
3A licensed card issuer provides the XBNK Card on the Visa network.
4A licensed payment partner provides EUR bank transfers (SEPA).

This model lets us focus on a simple, secure experience, while regulated partners provide the services that need a licence.

Our commitment to transparency

We think trust starts with clear information. That's why we:

show Earn rates and lock-in periods before you confirm, and list all fees in the app
label every rate as variable and not guaranteed
state clearly that XBNK is not a bank and does not insure your funds
confirm country availability during sign-up, not after
publish our Terms & Conditions and Privacy Policy on our website

Responsible crypto

Crypto can be a powerful tool, but it carries risk. We encourage every user to understand the risks of volatility, variable returns and stablecoins, and to only hold amounts they are comfortable with. Our products are for adults aged 18 and over.

Our values

Clear from the start

No hidden fees and no small-print surprises. Rates and lock-in periods are shown before you confirm, and fees are listed in the app.

Built for real life

Use the XBNK Card anywhere Visa is accepted, online and in store.

Security by default

Every product decision starts with protecting our users and their assets.

Always improving

We keep listening to our users and adding the features they ask for, from borrowing to business accounts.

Where XBNK is available

XBNK is available to users aged 18 and over in selected countries. Availability is confirmed in the app during sign-up.

Contact us

Customer support: support@xbnk.com, or through the app
Business enquiries: use the contact form and choose "Business Inquiry"
Press: use the contact form and choose "Press"

Company FAQ

No. XBNK is a financial technology company, not a bank. Custody, card and EUR transfer services are provided by licensed partners under their own terms.

XBNK is operated by Xbnk Tech Limited, a company registered in Hong Kong (company number 79756204).

No. XBNK does not insure your funds. We protect accounts with identity verification, fraud prevention and continuous monitoring, and work with licensed partners for custody and card services.

XBNK is available in selected countries to users aged 18 and over. Availability is confirmed in the app during sign-up.

XBNK moved from xbnk.app to xbnk.com. It is the same company and the same app.

Email support@xbnk.com or use the contact form. Our team is available 24/7.

Get XBNK now.Available on App Store and Google Play

QR code linking to the XBNK app download