The customer supporter response very quickly and really help you. The SWIFT account should be applied. The time of opening a SWIFT account is about 3-5 working days. You can deposit Bitcoin or USDT... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Kymm, my account manager, has been very responsive and helpful. The chat staff are also available 24/7 and replies instantly. Xapo boasts a wide array of services, especially BTC-backed loans so that... See more
Company replied
I’m extremely grateful and satisfied by Ximena’s work and her team. They’ve been very helpful in every step since the onboarding, considering I’m new to the bank and very far from an expert in finance... See more
Company replied
The App is easy to use, customer service is responsive, its nice to see a business that actually replies via a person and does not rely on often hopeless chatbots. Having a published email address is... See more
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Company details
Written by the company
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.
Contact info
One Grand Casemates Square, GX11 1AA, Gibraltar, Gibraltar
- support@xapo.com
- xapobank.com
3.9
Great
1K reviews
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Unable to get the xapo card for HK resident
For the user in other countries, XAPO can’t provide the full bank service and I am unable to receive my xapo card and enjoy the bank service.
19 July 2025
Reply from Xapo Bank
We appreciate your feedback and we are sorry that you were unable to receive your card and fully access our banking services in your country. Our team is working to enable the cards for the members in Hong Kong and we will certainly notify you once it is available. Thank you!
I opened my account to receive my…
I opened my account to receive my salary (twice a month), and I need to reply everytime the same information from the company who did the deposit.
It's a quite annoying to do it everytime, even after providing my contact with the company.
3 July 2025
Reply from Xapo Bank
Hello! Thank you for sharing your concern. Our team is in touch to resolve this matter and we are looking forward to your feedback. Thank you
Reply from Xapo Bank
We're happy to hear that our services have been reliable and fast for you. We truly appreciate your positive feedback! In case you have any further concerns in the future, please feel free to contact us at talktous@xapo.com
Hello there Im Jonas Rinkauskas
Hello there Im Jonas Rinkauskas
The Xapo Bank blocked my £175 transfer ???
Told me that running a compliance check, please £175 is a price of pair of shoes,or family dinner in local restaurant !
important is on the same time they asked me to pay them £ 1000 subscription fee ???
Scamers...
19 June 2025
Unprompted review
Reply from Xapo Bank
Hello Jonas! We appreciate your feedback. We're sorry to hear about this experience. Please contact us talktous@xapo.com so we can review this situation and see how we can improve our processes.
Great experience
Great experience, smooth process, very good service from my account manager who took the time to welcome me and explain me everything I needed.
15 April 2025
Reply from Xapo Bank
We're happy to hear that you had a great experience! It's wonderful to know that our service and explanations met your needs. If you have nay concerns in the future, please feel free to message us at talktous@xapo.com
I’m extremely grateful and satisfied by…
I’m extremely grateful and satisfied by Ximena’s work and her team. They’ve been very helpful in every step since the onboarding, considering I’m new to the bank and very far from an expert in finance and the cryptocurrency world. They’ve been there to answer all my (many) questions and provided help very fast whenever I’ve reached out. I’m very happy with everything that being a Xapo customer has brought me so far.
11 June 2025
Reply from Xapo Bank
Thanks so much for your kind words, Maria! We're happy to hear that Ximena and the team have made your experience with Xapo so positive. We're always here to help and answer any questions you have, no matter how many! We're delighted to have you as a customer.
Reply from Xapo Bank
Hello Jean! We appreciate your feedback and also wanted to inform that we expect the SWIFT rails to be available within the next couple of weeks. In case there is anything else you would like to share, please contact us at talktous@xapo.com and our team would be glad to assist
the support was not only super fast the…
the support was not only super fast the sport was as well super professional and solve all in less than 2 min
29 May 2025
Reply from Xapo Bank
Hello! We appreciate your review and will do our best to continue providing the best service for you. In case there is any further feedback you would like to share, please send us an email at talktous@xapo.com
Reply from Xapo Bank
We're happy about your positive feedback! In case you have any concerns in the future, please feel free to reach out to us at talktous@xapo.com
Reply from Xapo Bank
We’re pleased to hear about your positive experience. If you have any feedback or concerns, please don’t hesitate to reach out at talktous@xapo.com.
World class service
World class service! Friendly and helpful staff, dedicated account manager who is responsive, works to understand your banking needs and offers helpful solutions. Quick turnarounds on queries. Overall very happy with the experience. Xapo makes you feel like a valued client as opposed to being another irrelevant number at a commerical bank.
17 February 2025
Reply from Xapo Bank
We are truly delighted to hear about your positive experience with our services. We continually strive to offer a personalized and attentive service, and we are always here in case you would need our support. Please feel free to share any feedback or concern at talktous@xapo.com
Great experience
I have been using Xapo Bank for a while and it has been a great experience. The onboarding was smooth and easy to follow. The app is very simple to use and makes everything from buying Bitcoin to withdrawing funds effortless. Their Bitcoin prices are the best I have found and the FX rates are very competitive. Withdrawals have always been reliable and fast. I am really happy with the service and would definitely recommend it.
26 April 2025
Reply from Xapo Bank
Thank you for your kind words and positive review. We're thrilled to hear that you've had such a positive experience with our services. We strive to provide a seamless and user-friendly platform for our customers, and it's rewarding to know that we've achieved that for you. We appreciate your feedback and will continue to work hard to maintain the high standards you've experienced.
Just What I Want in a Bitcoin bank
Good customer service, intuitive app, great functionality.
15 April 2025
Reply from Xapo Bank
Thank you for your kind words! We're thrilled to hear you're enjoying our customer service, app, and features. We appreciate your positive feedback.
This bank is terribly slow
This bank is terribly slow. They've been withholding my money for half a year now. And their support team hasn’t replied to my emails for a whole month. It’s so frustrating!
14 April 2025
Unprompted review
Reply from Xapo Bank
Please contact us via talktous@xapo.com
We will be happy to inform you the state of your account.
Your support is unbelievably slow
Your support is unbelievably slow. I’ve been waiting for nearly a month to withdraw my money, and there’s still no response. This is highly irresponsible and unacceptable for a bank.
14 April 2025
Unprompted review
Reply from Xapo Bank
HI Tsolmon, I would appreciate it if you could contact us via talktous@xapo.com from your approved account email with Xapo, so that we can assist you. Thank you!
BTC, USD, stocks – Xapo handles it all
Updated review – March 2025
I originally wrote a review on September 23, 2024, after first testing Xapo Bank. Since then, I’ve used it regularly and consistently, and I feel it’s time for an updated perspective based on actual, long-term usage.
I now use Xapo Bank as a hub for managing Bitcoin, USD holdings, and stock investments. The integration between BTC, USD, USDT, and the Lightning Network is excellent. Payments work seamlessly both in Norway and abroad, and the BTC buy/sell spread is tight enough for active use.
The 3.9% interest on USD is also very attractive and gives me a solid place to store value between trades or while waiting for new investment opportunities. Combined with Lightning support, USDT on/off ramps, and access to global stocks, I believe the platform is well worth the $1,000 annual fee – especially given the functionality and efficiency it offers, even though I’m far from a whale.
I store my long-term BTC in self-custody (multisig and single-sig), but I use Xapo to move in and out of BTC depending on fair price signals. I’ve also started using their fractional stock trading, and at a 0.5% fee, it’s become a practical way to diversify out of BTC in certain market phases.
I haven’t needed to use the Vault yet, but I’ve set it up with two YubiKeys. My main request going forward is to allow YubiKey or stronger multi-factor security also for savings withdrawals – especially when larger amounts are involved. It would make me even more confident in keeping value on the platform.
In short: Xapo has proven to be more than just a good Bitcoin bank – it’s become a flexible financial base for a BTC-forward strategy.
Not your keys? No. But with careful limits, clear purpose, and multi-layered custody, it’s a tradeoff I’m comfortable with.
13 April 2025
Unprompted review
Reply from Xapo Bank
Thank you for taking the time to share your updated review and for highlighting the aspects of our platform that you find valuable. We appreciate your detailed feedback, especially your insights on using Xapo Bank as a hub for managing your Bitcoin, USD holdings, and stock investments.
We understand your request for enhanced security for savings withdrawals and will consider your suggestion as we continue to improve our platform. Your feedback is invaluable to us as we strive to provide the best possible experience for our users.
Overpriced attractive app
The app and website are very attractive but the app often has glitches and bugs. I eventually closed my account because the $1k annual fee was just not worth it. Rather put my money in a simple investment and get better returns that are guaranteed for a fraction of the cost.
*To add to the terrible response I received the business is more concerned about fixing bugs to justify the $1000 registration fee 🙄
3 April 2025
Unprompted review
Reply from Xapo Bank
We appreciate you taking the time to share your feedback. We are constantly working to improve our platform and address these issues. We would appreciate if you could share further details regarding the bug at talktous@xapo.com We strive to provide value to our users, and we appreciate your feedback as we continue to evolve.
Smooth operation
The first few operations since I recently opened the account have gone smoothly without a hitch.
1 April 2025
Reply from Xapo Bank
We appreciate your kind words and are thrilled to hear that your initial experience has been positive. We strive to provide a seamless and efficient service, and we're glad you've found that to be the case. If you have any questions and concerns, we are always here to assist at talktous@xapo.com
Everything works well.
Everything works well.
Just believe costs to wire or receive money, a bit high.
20 February 2025
Reply from Xapo Bank
We appreciate your feedback and are glad to hear that everything is working well for you. We strive to provide competitive rates and are always looking for ways to improve our services. If you have any concerns, please message us at talktous@xapo.com
My contact with financial advisor is…
My contact with financial advisor is great and the use of the application easy
23 January 2025
Reply from Xapo Bank
Hello! We are glad to hear that you are enjoying our platform. We truly appreciate your support.
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