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Best Global Banks is an initiative that analyzes and advises about the best banking international institutions. Where people interested in emerging markets, digital nomads, expats, and crypto enthusiasts can find accurate, unbiased information to make the best decision to invest, and accomplish their financial goals.

Overall Crypto Loans US Dollars	Xapo Bank Higher ranked 86 / 100	Luno 56 / 100	FNB 52 / 100	Investec 16 / 100
Bank fully regulated
Crypto fully regulated
Offshore ? Jurisdiction	Gibraltar, UK	London, UK	Channel Islands
Insured deposits	Yes under the Gibraltar Deposit Guarantee Scheme up yo $100,000 USD		Yes, Guernsey Financial Services Commissio
Digital onboarding
Open account from Anywhere
USD Account			GBP, USD and EUR
Interest on USD Account	4.1
Fiat / Crypto Global Debit Card
Credit Card
Debit card cash back rate	1.10
Crypto Wallet
Wealth Management
Dedicated Account Manager
Loans
Business Accounts
SWIFT Network
DeFI
Maintainance fee (USD Annualized	150 USD	120 GBP	no monthly account fee when you maintain a balance of £2,500 or more.	no fee

Description

Xapo Bank

Go to bank

Xapo is a private bank that is focused on protecting and growing clients' wealth. The company allows clients to protect, access and grow their wealth from anywhere in the world with an international bank account in a safe jurisdiction.

Highlights

Fully regulated in Gibraltar.
Fiat and crypto services.
Transparent fee structure.
Dedicated account manager.
Metal Debit card accepted globally at no extra cost.
Free trial for 90 days of the full service.
1 account with all services included.
Deposit guarantee scheme.
1% annual interest on Bitcoin.
Up to 1.1% cashback on card transactions.
Crypto payments supported.

4.1 Interest annual

Thingsto note

Non-available in the US.
Only offers USD accounts.
Limited banking services.
No business accounts.
Subscription fee of $150.

Luno

Go to bank

Thingsto note

Offers crypto-native services only - USD accounts are not available.

FNB

Go to bank

Thingsto note

Supports nine major foreign currencies, including USD.

Investec

Go to bank

Thingsto note

Foreign currency accounts only available to individuals with existing Investec Private Account.

emrep-recreates

Customer service is excellent! Premium service and really good product. I get % interest in both my USD balance and my BTC balance. I also get cashback for my card payments. It took me a few tries to get onboarded but I got help from the members services team who were very professional and knowledgeable. I would recommend Xapo Bank for anyone interested in protecting their saving in a safe currency (USD) and in BTC.
Mary

Made an unplanned stop at an ATM for cash and had to withdraw from my Xapo account, as that was the only card I had on me. I was pleasantly surprised to see that I was charged the exact "official" exchange rate for withdrawing GBP from my Xapo USD account. No extras or markup. Well done!
Dami

The app is super cool, intuitive, and easy to use. The bank itself offers amazing services, I got accepted in less than 24 hours, the virtual card was issued instantly, and I used it right away, and it was really impressive performing my first purchase using it. An elegant metal card was issued and shipped in less than 48 hours and arrived through DHL in another less than 24 hours and out of costumes in 1 day. I love their financial services and customer support.
Wael