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
Company replied
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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
Company replied
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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Great Service and support
Both the on-boarding and daily operations with Xapo is a pleasure. Any problem or doubt is always swiftly resolved, and the support teams works flawlessly. Strongly recommended bank so far!
March 3, 2026
Reply from Xapo Bank
Thank you for your kind feedback! Your rating means a lot to us!
make progress faster
March 4, 2026
Reply from Xapo Bank
Thank you for rating us! If you have any concern, please feel free to message us at talktous@xapo.com
Great communication.
February 28, 2026
Reply from Xapo Bank
Hello! We are glad to hear it! Thank you for reviewing us
The best bank in the word ❤️
February 27, 2026
Reply from Xapo Bank
Hello! This means the world to us - thank you so much for your kind words. We will do our best to keep up!
Very positive experience.
February 24, 2026
Reply from Xapo Bank
Hello John! Thank you a lot for your feedback!
Stéphane Vuillemin fait il partie des…
Stéphane Vuillemin fait il partie des brokers de XapoBank?
February 21, 2026
Unprompted review
Reply from Xapo Bank
Unfortunately, we are not aware of such name. We would very much like to look into this for you. Could you please reach out to us at support@xapo.com with more details so we can investigate further?
Good app and support
I had a few issues during onboarding, but the team was very responsive and the actual account works well and the app is nice.
February 9, 2026
Unprompted review
Reply from Xapo Bank
Thank you for sharing your experience! We’re glad to confirm that our team has been in touch and that the issue has been fully resolved. We appreciate your patience while we worked to get this sorted, and we're happy we could make things right
if you need..
if you need... there is contact with real people....not waste of time ai with non-answers
February 2, 2026
Reply from Xapo Bank
We're happy to hear that you had a positive experience with our service. Thank you for your feedback! We truly appreciate it!
Function and cost
The functions on the app and the process are easy.
The costs on top of the 1,000 USD a year shocked me.
February 6, 2026
Reply from Xapo Bank
We're glad you find the app easy to use! We appreciate your feedback
personal easy and fast
February 2, 2026
Reply from Xapo Bank
We're glad you found it easy and fast. Thanks for your feedback!
Excellent
Xapo is renowned for its safe custody solutions, and through Xapo Bank, members can easily access global Tradfi financial services. Having a dedicated relationship manager makes the experience seamless.
January 30, 2026
Reply from Xapo Bank
Hello! We're happy to hear that! Your feedback was forwarded to the team as well
The overall experience is incredible
The overall experience is incredible. Value for money
January 24, 2026
Reply from Xapo Bank
We're glad you found your experience incredible :) Thank you for your positive feedback. It means a lot to us!
XAPO BANK: PURE RIP-OFF
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.
January 20, 2026
Unprompted review
Reply from Xapo Bank
Hello! We are truly sorry about this experience. Our team has been in touch with you via email to assist and turn the experience for you. Thank you so much for letting us know about this
It's good but expensive
January 11, 2026
Reply from Xapo Bank
We appreciate your feedback and are glad you find it good! Thank you so much for rating us
Very good bank
Very good bank! Everything you demand from banking service in this bank
October 1, 2025
Reply from Xapo Bank
We're happy to hear that you are satisfied with our service! Thank you for your positive feedback. We appreciate it greatly!
Takes forever to get anywhere with this bank
Very slow with deal with anything. Reported a fraud 6/ 7 weeks ago and they are very slow with dealing with it wish I never opened my account. I get no updates unless I enquire about it . Will be closing this account very soon this account costs me £750+ wish I never opened it . All you get when someone contacts you is bank speak and fake concern and push around from on person then another person . Sick of repeating my self on that chat app you can't talk to a person it's all that chat app now . If you want to talk to a person you have to make a dam appointment.
November 22, 2025
Reply from Xapo Bank
We are sorry to hear about your experience with this scam and understand your frustration with this. Our records show that we have been in contact with you from the very beginning and have shared all available information regarding your case.
We also want to clarify that we have not received any inquiries from the authorities at this stage. We appreciate your feedback and this has been shared with our management team
Security protocols
All transactions using debit cards have been confirmed within minutes thereby monitoring card usage and providing excellent level of security and confirming the banks security systems established to protect clients funds.
December 27, 2025
Reply from Xapo Bank
We're happy to hear that! Thanks for your feedback - it means the world to us
debit card payment's reward in btc
every time using debit card for payment will get me a reward in bitcoin makes me feels good. using this debit card during holiday overseas is very convenient because it handles the currency conversion automatically.
December 29, 2025
Reply from Xapo Bank
We're happy to hear! It's great to know you find it convenient! Thank you for your feedback
Very positive experience
Very positive experience. Customer support is fast and effective. The app works well and is easy to use. Fees are fair, and transfers are extremely fast. Reliable service overall
December 28, 2025
Reply from Xapo Bank
We're happy to hear that you had a positive experience! It's great to know that you found our customer support fast and effective, the app easy to use, and the fees fair. Thank you for your feedback!
Very expensive
I find the product very expensive. Every operation has considerable fees. I consider they should be cutted at least half.
December 27, 2025
Reply from Xapo Bank
We appreciate your feedback! We kindly ask you to contact us via talktous@xapo.com so we can discuss it further. Thank you!
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