HarbourX is a private workspace for holding Bitcoin and stablecoins, converting at a rate you can see, and settling straight to your own bank account. Custody, compliance and reporting come as one service — not three.
Most people arrive with the same problem: the asset is in one place, the bank is in another, and nothing in between is accountable for it. HarbourX closes that gap.
Hold Bitcoin, Ethereum and USDC in an account that is yours alone, with every movement recorded and every withdrawal checked before it leaves.
Price your holding against 32 local currencies and convert when the number suits you. The rate, the fee and the amount that lands are all shown before you confirm.
Withdraw to a payout account in your own name at your own bank. Connect it once, verify it once, and every later settlement follows the same cleared path.
The cost of moving between an asset and a currency is usually buried in the rate, where it cannot be compared. We quote it as a line of its own instead, so the only question left is whether the number suits you.
Identity checks exist so your money can move, not so it can be held up. We ask for what the rules require, once, and tell you exactly where the file stands until it is done.
Most accounts are ready to convert the same week. The only part that depends on someone else is the identity review.
An email address and a password is all it takes to get in. Two-factor authentication is set up on the same visit.
A few minutesUpload identity and address documents once. You can watch the review move from submitted to verified from your dashboard.
Usually 1–2 daysSend Bitcoin, Ethereum or USDC to the deposit address in your account. It appears in your portfolio once the network confirms it.
Network speedConvert at the quoted rate, then withdraw to your connected bank account. The statement is written as it happens.
Same day“Euromäärä, palvelumaksu ja arvioitu saapumisaika näkyivät selkeästi ennen vahvistusta. Koko prosessi tuntui rauhalliselta ja helposti ymmärrettävältä.”
“Tarjousnäkymä kertoi heti, paljonko saan euroina ja mitä palvelu maksaa. Pystyin vertaamaan vaihtoehtoja ilman piilokuluja tai epäselviä laskelmia.”
“Tilin vahvistaminen eteni loogisesti vaihe vaiheelta. Tiesin koko ajan, mitä tietoja tarvitaan ja missä vaiheessa käsittely on.”
“Pankkitilin lisääminen oli suoraviivaista ja vahvistus tuli nopeasti. Arvostin erityisesti sitä, että kaikki tärkeät tiedot näkyivät yhdessä paikassa.”
“Vuoden tapahtumien raportti löytyi nopeasti ja oli helppo toimittaa kirjanpitäjälle. Selkeä PDF säästi paljon aikaa veroasioiden valmistelussa.”
“Ensimmäinen euromääräinen tilitykseni oli helppo seurata alusta loppuun. Tilatiedot päivittyivät selkeästi eikä minun tarvinnut arvailla seuraavaa vaihetta.”
“Käyttöliittymä on selkeä myös puhelimella. Salkun arvo, tapahtumat ja noston arvioitu käsittelyaika löytyivät ilman turhaa etsimistä.”
“Pidin siitä, että kulut esitettiin omalla rivillään ennen hyväksyntää. Päätöksen pystyi tekemään rauhassa ja tapahtumasta jäi selkeä kuitti.”
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None of this is an upgrade or an enterprise tier. Every account on the platform is held to the same four controls from the day it is opened.
If the answer you need is not here, the support centre reaches a person rather than a form queue.
Nothing. There is no account fee and no custody charge for holding a balance. The only fee is on a conversion, and it is quoted as a line of its own before you confirm — the example on this page shows exactly how it appears.
Bitcoin, Ethereum and USDC on the asset side. Your portfolio can be priced and settled in 32 local currencies, and a payout account can be connected in each of them.
Usually one to two business days from the point your documents are uploaded. The status is shown in your dashboard the whole time, so you are never left guessing, and you can keep using the account for deposits while it runs.
No. A payout account has to be held in the same name as the HarbourX account. It is the single rule that keeps settlement clean, and it is what lets every later transfer to that account go through without a fresh review.
It is set up when you open the account and we strongly recommend leaving it on. HarbourX uses standard authenticator apps, and you are given backup codes at enrolment for the day your phone is not with you.
No. HarbourX holds, converts and settles the assets you already own. Nothing on this site is a recommendation to buy or sell anything, and digital assets can lose value quickly — the risk of holding them stays with you.
An email address gets you in. Two-factor, verification and a payout account can all be set up from your dashboard on the same visit.
No account fee · No custody charge · Withdraw to your own bank