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What are the transaction limits and fees to add money? (U.S. only)
This article is designed for U.S. users only.
If you reside outside of the U.S., please use this article:

We are happy to announce that we are able provide you with options to add money for free, allowing you to buy bitcoin with no processing fees.

Adding money with a Bitcoin transfer from an external account requires a miner's fee (as this is processed through the Bitcoin network); however, Xapo never charges any additional fees to add money to your account.

As each payment method is provided by a different partner, each one of them has different minimum and maximum transaction requirements. Please see the table below for a list of each method to add money to your account and the processor's respective limits/fees.

Payment Method
Direct Debit
USD 10
USD 10,000 [1]
Domestic Wire Transfer
(Silvergate Bank)
USD 10,000
USD 1,000,000
5,430 satoshis [2]

[1] There is a maximum monthly limit of USD 25,000 and annual limit of USD 100,000.

[2] This amount is defined by the Bitcoin network protocol, not Xapo.

In addition, your account is subject to overall daily, monthly, and annual limits for transactions that occur in and out of your USD balances. These are the types of transactions that are a part of your account limits:

  • Adding money to your account
  • Moving money in between your spending accounts and/or Vaults
  • Payments you send and/or receive
  • Outgoing bitcoin transactions that originate from a USD balance

By default, all Xapo users will be entitled to Tier 1 limits. If you attempt to make a transaction that exceeds your limits, we will automatically send you an email which includes a form requesting additional information and proof of funds to upgrade your account. Once we receive the form and verify your proof of funds, you will be upgraded to Tier 2 limits. This process should be completed within 24 hours, at which point you can initiate your transaction again with your new limits. When your account limits are upgraded to Tier 2, your Xapo Card limits will automatically be upgraded to Tier 2 as well.

You can find the maximum limits for your Xapo account below. Any applicable limits reset by the calendar date/month.

Overall Transaction Limits
Tier 1
Tier 2
USD 25,000
USD 100,000
USD 50,000
USD 100,000
USD 200,000
USD 200,000
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