What are the transaction limits/fees to add money to my account?

Processing fees are necessary costs issued by banks and online payment processors 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 funds 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
Bitcoin from an External Account 5430 satoshis [1] None Varies
Bank Transfer

$100 USD

$1,000,000 USD

$6.50 USD

Bank Transfer
Varies Varies Varies [2]
Bank Transfer



Varies [3]

Credit Card
$200 USD $20,000 USD 4.25%
Online Payment Processor
$10 USD $10,000 USD 3.25%
Online Payment Processor
$10 USD $25,000 USD 3.70%
People Nearby None None None [4]
Direct Debit
$10 USD $10,000 USD $5.00 USD
Domestic Wire Transfer
(Silvergate Bank)
$10,000 USD $1,000,000 USD $1.00 USD


Available to all customers Non-U.S. customers only U.S. customers only

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

[2] 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.

[3] The fee for international wire transfers 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.

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

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