Tried to open an account and immediately ran into basic onboarding issues.First, the signup flow repeatedly threw a generic “Something seems wrong. Please contact support…” message with no actionable explanation.Then I tried registering with a different email address and was told that “.inc is not a valid TLD.” That’s simply incorrect — .inc is a valid top-level domain. If a company charging around €1,000 per year can’t get something as fundamental as email validation right, it is pure rip-off and doesn’t inspire confidence in their systems, compliance process, or support quality.Between the vague errors, the incorrect validation, and the “contact support” dead-end, this feels less like a premium banking service and more like a rip-off.Based on this experience, I recommend avoiding Xapo.
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Xapo Bank is the first fully licensed, Bitcoin-enabled bank that combines the security of traditional banking with access to Bitcoin and stablecoins. Regulated by the Gibraltar Financial Services Commission, Xapo Bank facilitates wider use cases for crypto by providing simple and secure ways to store, save, earn and transact in fiat and crypto across borders 24/7.
Established in 2013, Xapo Bank was founded on the belief in the long-term potential of Bitcoin. As the first crypto company in the world to be awarded a banking license, Xapo Bank has since evolved from an e-money wallet into a digital-first bank. Xapo Bank’s proprietary technology provides a seamless bridge between traditional finance and digital assets. Following the sale of its institutional custody business to Coinbase‘s custody arm in 2019, Xapo Bank pivoted to service solely retail customers, focusing on the protection, growth and diversification of wealth.
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