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What methods are available to add money to my account?
This article is designed for users residing outside of the U.S. only.
If you are a U.S. resident, please use this article:

Xapo offers various options to add money to your account, depending on which country you reside in.

Each payment method has different transaction limits and processing fees and processing times, as these numbers vary depending on the bank or financial institution processing the payment. We always want to give you as many options as possible, so that you can choose the best option for you!

As a note, these payment methods are subject to availability depending on the regulations within your country of residence, and only the methods that Xapo offers in your area will be displayed in your Xapo app. However, we're always hard at work to bring you more options every day! These are the currently available options:

  • Bank Transfer
  • Credit Card
  • Payment Processing Company
  • or through an external Bitcoin account

Bank Transfer
Available in 130+ countries

Depending on your country of residence, you have the choice of selecting the processor, whether it be a wire transfer or a direct debit straight from your account.
Credit Card
Available in 165+ countries

Any credit cards issued by Visa or Mastercard are accepted.
Payment Processor
Available in all countries

We are partnered with Neteller and Skrill, two leading online payment processors.
Bitcoin Transfer
Available in all countries

If you have any bitcoin outside of Xapo, you can add funds by sending them directly to your Bitcoin address.
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What methods are available to add money to my account? (U.S. only)
This article is designed for U.S. users only.
If you reside outside of the U.S., please use this article:

As a U.S. user, you can add money to your account by either buying bitcoin or transferring in bitcoin you have in an external account. Once you have successfully added funds, you can load your Xapo Card to start making purchases, or safely store your bitcoins in your Vault.

Each option to add money has different transaction limits and processing fees and processing times, as these numbers vary depending on the bank or financial institution processing the payment. These are the available options:

  • Direct Debit via an ACH transfer
  • Domestic Wire Transfer
  • or through an external Bitcoin account

Direct Debit

Transaction limits: USD 1.00 ↔ USD 9,999.00
Maximum limits: USD 25,000 (monthly); USD 100,000 (yearly)
Fee: None

For transactions under USD 10,000, you can buy bitcoin through direct debit (via ACH transfer). Your payment will be processed through SynapseFi, our trusted partner, and requires you to link your bank account to make the payment. Please note that ACH transfers are only available from select banks.
Domestic Wire Transfer

Transaction limits: USD 10,000.00+
Fee: None

For transactions over USD 10,000, you can buy bitcoin by sending a wire transfer. This transfer is sent directly to Silvergate Bank through a specific set of instructions. These orders are only valid for a period of 24 hours after initiating the transaction.
Bitcoin Transfer

Transaction limits: None
Fee: Miner's fee

If you have any bitcoin outside of Xapo, you can add funds by sending it directly to your Bitcoin address.
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Which U.S. states can I buy bitcoin in?

Due to each state having their own regulations and laws in regards to Bitcoin, Xapo provides services specifically tailored to you depending on your state of residence. You can use the table below to see if your state is eligible to purchase bitcoin, as well as any other eligible Xapo features you can access.

State
State
Alabama
AL
Alaska
AK
Arizona
AZ
Arkansas
AR
California
CA
Colorado
CO
Connecticut
CT
Delaware
DE
District of Columbia
DC
Florida
FL
Georgia
GA
Hawaii
HI
Idaho
ID
Illinois
IL
Indiana
IN
Iowa
IA
Kansas
KS
Kentucky
KY
Louisiana
LA
Maine
ME
Maryland
MD
Massachusetts
MA
Michigan
MI
Minnesota
MN
Mississipi
MS
Missouri
MO
Montana
MT
Nebraska
NE
Nevada
NV
New Hampshire
NH
New Jersey
NJ
New Mexico
NM
New York
NY
North Carolina
NC
North Dakota
ND
Ohio
OH
Oklahoma
OK
Oregon
OR
Pennsylvania
PA
Rhode Island
RI
South Carolina
SC
South Dakota
SD
Tennessee
TN
Texas
TX
Utah
UT
Vermont
VT
Virginia
VA
Washington
WA
West Virginia
WV
Wisconsin
WI
Wyoming
WY
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What are the transaction limits and fees to add money?
This article is designed for users residing outside of the U.S. only.
If you are a U.S. resident, please use this article:

Processing fees are necessary costs issued by banks and payment processing companies in order to perform transactions. The processing fee will always be disclosed to you when selecting a payment method before confirming your order. Xapo never charges any additional fees to add money to your account.

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


All prices are displayed in USD or its equivalent in a foreign currency

Payment Method
Minimum
Maximum
Fee
None
USD 250,000
None
Bank Transfer
(Local & domestic banks)
Varies
Varies
Varies [1]
Bank Transfer
(International wire transfers)
Varies
Varies
Varies [2]
Credit Card
(VISA / Mastercard)
USD 200
USD 20,000
4.25%
USD 10
USD 10,000
3.25%
USD 10
USD 25,000
3.70%
None
None
None [3]
5430 satoshis [4]
None

[1] Local and domestic transfers are processed by different financial institutions which vary depending on your country of residence. To view the fee, you can do so by selecting one of the options displayed on your screen after selecting Bank Transfer as your preferred method.

[2] The fee for an international wire transfer is not collected by Xapo, but is instead issued by the bank you are sending funds from. Your bank will inform you of the exact amount required to wire the amount of your deposit, and any applicable fees will be collected directly by them. Please ensure that the amount of funds received by Xapo equals the amount of your order.

[3] People Nearby does not charge any fees; however, other users may include a small fee for their service.

[4] This amount is defined by the bitcoin network protocol, not Xapo.

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Can't find what you are looking for?
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
Minimum
Maximum
Fee
Direct Debit
(SynpaseFi)
USD 10
USD 10,000 [1]
None
Domestic Wire Transfer
(Silvergate Bank)
USD 10,000
USD 1,000,000
None
5,430 satoshis [2]
None

[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
Daily
USD 25,000
USD 100,000
Monthly
USD 50,000
USD 100,000
Annually
USD 200,000
USD 200,000
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Can't find what you are looking for?
Can I add money through a payment method in someone else's name or account?

All payment methods used to add money (whether it be a bank account, credit card, or payment processor) must be under the same name as the name registered with your Xapo account. We will reject any transaction during the processing stage if your funds are sent from an account that is not in your name.

If your funds are rejected due to the reason above, you are liable for any costs issued by the processing company in order to return them. Please always make sure to verify that you are adding money through accounts only in your name!

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Can't find what you are looking for?
How long does it take my request to add money to process?
This article is designed for users residing outside of the U.S. only.
If you are a U.S. resident, please use this article:

As each payment method is processed by a different bank or payment processing company, each one of them has a different time period for the funds to reach your account. Please see the table below for a list of each method to add money to your account and their respective processing times.

Payment Method
Processing Time
Within 24 hours
Bank Transfer
(Local & domestic banks)
2-3 business days
Bank Transfer
(International wire transfers)
3-5 business days
Credit Card
(VISA / Mastercard)
Within 24 hours
Payment Processor
(Neteller / Skrill)
Instant
You choose!
Six blochain confirmations [1]

[1] Bitcoin transactions need six confirmations in the blockchain to be completed. The time period this process takes depends on the current amount of network activity and the transaction fees.

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Can't find what you are looking for?
How long does it take my request to add money to process? (U.S. only)
This article is designed for U.S. users only.
If you reside outside of the U.S., please use this article:

As each payment method is processed by a different bank or payment processing company, each one of them has a different time period for the funds to reach your account. Please see the table below for a list of each method to add money to your account and their respective processing times.

Payment Method
Processing Time
Direct Debit
(SynpaseF)
2-3 business days
Domestic Wire Transfer
(Silvergate Bank)
3-5 business days
Six blochain confirmations [1]

[1] Bitcoin transactions need six confirmations in the blockchain to be completed. The time period this process takes depends on the current amount of network activity and the transaction fees

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