Review Time
Xapo Bank is an excellent choice for anyone looking for a secure and reliable way to manage both USD and Bitcoin in one place. The platform is easy to use, highly professional, and clearly built with security as a top priority. Their Bitcoin custody and cold-storage approach really stand out and give great peace of mind.The debit card and international payments work smoothly, making it ideal for global use, and customer support has been consistently responsive and helpful. Everything feels well regulated, transparent, and trustworthy.Overall, Xapo Bank delivers exactly what it promises: strong security, simple banking, and seamless Bitcoin integration. Highly recommended.
Horrible support!I have gone through the video call about the same thing over and over again with no resolution.Support is telling me it will take one hour , then one hour changes into 24 hours, then 48 and goes on for days. My issue is still not resolved after all this time. I demand to receive the service thats worth $1000.00
I opened a Xapo account with high expectations, but from day one, every transfer I made, in or out, was delayed and subjected to "checks." I tried to be patient, but things only got worse. A month ago, I deposited money into my account, and as soon as the funds landed, they restricted my account. No explanation, no reason,just locked out, unable to make any internal transfers or withdrawals.I spent an entire month trying to figure out what was going on, but all I got from their support was the same generic answer: "The team is working on it. We don't know yet." No answers, no progress. After a month of this nonsense, I had enough and requested them to close my account. This started the second nightmare. They spent another week just reviewing my request to close the account.Still restricted, I couldn't even transfer my own money back to my bank. Eventually, they asked for some additional details, which I provided immediately. Days went by, more reviews, more delays. Finally, they scheduled a Zoom call where I explained the situation, showed my account, and confirmed ownership. And then, another two weeks passed with zero updates. I have no clue what is going on.Last week, I was told that they couldn’t send money to the provided details. I checked, and it turned out the details were incorrect and I had never requested the funds be sent to that account. They apologized, said they’d sort it out, and started the process over. Now, days later, I get another message saying they can’t send money to the details I gave them and suggested sending it back to the original account. Fine, I sent them the information again, but now, days later, they’re still "reviewing" it.It’s mind-boggling. This company has no concept of urgency or customer service. They have no problem wasting months of your time with empty promises like “we’ll update you soon” and “please bear with us.” A month and a half later, and I’m still stuck in limbo.Xapo is slow, disorganized, and completely unreliable. I paid for their terrible services, and all I got in return was frustration and endless delays. Do yourself a favor: DON’T OPEN AN ACCOUNT WITH THEM. It's a waste of time, money, and energy. There are far better options out there.
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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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