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What are accounts and balances?
This article is designed for users residing outside of the U.S. only.
If you are a U.S. resident, please use this article:

An account is where you store your money, which you can use to send, receive, trade, or spend instantly and globally around the world. You can create a spending account or a savings account (also known as Vaults), and can also designate them as personal or business accounts, depending on your needs. There is no limit to the number of accounts you can create, allowing you to organize and separate your money as you see fit.

Within an account, you can have multiples balances. Xapo provides a unique feature that comes with your spending and savings accounts with their multi-currency capability, meaning you can have multiple balances of different currencies in your account, such as USD, EUR, GBP and even BTC (bitcoins). Balances are automatically created in your account when you add or receive money in a certain currency, and you can exchange your balance for whatever currency you would like.

You can freely move your money between accounts, as well as customize account names and even share access to your family and friends. At Xapo, we give you complete freedom over your money and how you use it – just the way it should be!

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