Xapo Bank Reviews

636  Excellent
TrustScore 4.5 out of 5

4.3

In the Bank category

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Reviews4.3

636 total


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Rated 5 out of 5 stars

The easy banking style is lovely

The easy banking style is lovely, effeciancy in quick delivery, every thing about xapo is beautiful,

Date of experience: 16 January 2024

Reply from Xapo Bank


We appreciate your 5-star review! For any further comments, please reach out to us at talktous@xapo.com.


Rated 3 out of 5 stars

Crypto transfers should have more Networks associated - for example the TRON network or XRP.

Crypto transfers should have more options on networks (like for example the use of the TRON network where fees are cheaper - Ethereum network is too expensive for every transaction).
ACH and SWIFT should come back soon - i only had it for a couple of days.
If you are gonna make me pay 150 USD every year, i should have cheaper options for crypto and bank transfers should be available.

Date of experience: 13 December 2023

Reply from Xapo Bank

Hi Diego, we hear you and we are happy to say that we plan to add more networks next year. ACH is coming back soon too! We thank you for your review.


Rated 5 out of 5 stars

Great services and reliable

Great services and reliable. Best solution to off-ramp cripto payments to pay for anything that accept a mastercard.

Date of experience: 09 March 2024

Reply from Xapo Bank

We appreciate your valuable feedback!


Rated 4 out of 5 stars

All were good, except…

All were good, except that I wanted my changed name updated soon, nice chat service with the team promising to update it, and after 3 months it is not done yet.

Date of experience: 07 March 2024

Reply from Xapo Bank

We are thrilled that you are enjoying your experience at Xapo Bank! We have sent you an email reminder to assist you with your name update.


Rated 1 out of 5 stars

Disgusting System

Disgusting System. They ask for a passport to sign up on their platform but in the last stage. They take sensitive information like live location, phone number, etc. But at the last stage, they say you need to have a passport to continue. Now, is this a joke? Spent over an hour completing the registration and now you are saying without a passport registration cannot be completed? And there are no other document options available. Everyone does not have a passport. Why they did not mention it in the early stage? When I reached their customer service and asked about it they stopped answering. Such an unprofessional system and behavior. Totally disgusted

Date of experience: 05 January 2024

Reply from Xapo Bank

We understand your frustration with your experience with the onboarding process. We apologize for any inconvenience caused. We would appreciate the opportunity to address your concerns and consider your feedback for future improvements. Please reach out to us at talktous@xapo.com.


Rated 5 out of 5 stars

Excellent experience

Excellent experience, so far it is an Amazing bank alternative with easy methods to exchange fiat for currency and viceversa .. I think that Xapo is a need for any investor and trader

Date of experience: 13 December 2023

Reply from Xapo Bank

Thanks so much for sharing your feedback about our services. We hope more investors and traders will get to know us too. Have a great day!


Rated 5 out of 5 stars

Xapo is the future!

Xapo is one of a kind, especially with how swift transactions are on Xapo. Payments are always instant which makes banking easier.

Date of experience: 12 December 2023

Reply from Xapo Bank

Your feedback is a gift that helps us enhance our services. Thank you for your contribution!


Rated 5 out of 5 stars

Great service!

Great service!! Always wiling to help! Efficient and friendly! The best banking service I ever had!

Date of experience: 08 March 2024

Reply from Xapo Bank

Thank you for sharing your feedback on Xapo Bank services. We appreciate it!


Rated 5 out of 5 stars

Very good service ,a big credit limit

Very good service ,a big credit limit, and easier to use

Date of experience: 05 December 2023

Reply from Xapo Bank

We are thrilled that you are enjoying your experience at Xapo Bank! Thank you for your support!


Rated 2 out of 5 stars

Ongoing problem with USD rails.

Overall not a bad experience but USD rails are not operational which is a huge problem for me. Also, these rails have been down for a long time. Very frustrating.
Fx conversion fees also more expensive than I anticipated.
Experience with receiving USDC into my Xapo account - great, thank you.

Date of experience: 13 December 2023

Reply from Xapo Bank

Thanks for your feedback. We're constantly trying to improve our services, so your input is valuable. You will be happy to hear that ACH will be back early next year.


Rated 4 out of 5 stars

tranction fee is about 1.1%,too high

When I finished exchanging US dollar to Bitcoin, i found I lost 1.1% of total amount.The transction fee is too high.I think it is much higher than last time I made such tranction.

Date of experience: 07 March 2024

Reply from Xapo Bank

We appreciate your positive feedback and look forward to continuously improving our services for you.


Rated 5 out of 5 stars

Great experience

Great experience, recharge my account with USDT is very convenient, innovative. FX rate is very good.

Date of experience: 27 March 2024

Reply from Xapo Bank

Thank you for sharing your feedback on Xapo Bank services. We appreciate it!


Rated 5 out of 5 stars

Transparent fees and low cost USDC

Transparent fees and updates on them, and low fees on USDC transactions.

Date of experience: 27 March 2024

Reply from Xapo Bank

We're grateful for your valuable feedback. Your input is highly valued!


Rated 1 out of 5 stars

My account went under review for no…

My account went under review for no reason and they refuse to tell me why and when my money will be released

Date of experience: 11 March 2024

Reply from Xapo Bank

We are sorry to hear about your experience. Can you please reach out to us at talktous@xapo.com to review your case?


Rated 5 out of 5 stars

Probably the best bank in the world

Available 24/7 to bank online and if needed get a real staff member for assistance.
Best bank in the world!

Date of experience: 01 January 2024

Reply from Xapo Bank

We are thrilled that you are enjoying your experience at Xapo Bank! Thank you for your support!


Rated 5 out of 5 stars

Excellent service

Excellent service. Swift and efficient cross border multi currency transactions. A wholesome experience. However business banking is sorely missed.

Date of experience: 20 March 2024

Reply from Xapo Bank

Thank you for your feedback. We love your enthusiasm.


Rated 1 out of 5 stars

Return the money back

They are holding an incoming wire for more than a month now. They didn't give any clear answer why they hold it or when they will release it. I told them as an option to reject it but they didn't. Return the money back.

Date of experience: 25 February 2024

Reply from Xapo Bank

Hi Daniel, please contact us via talktous@xapo.com so that we can assist you with your account. Thank you!


Rated 4 out of 5 stars

Implement other chains

Its ok but implementing other chain networks would be better such as BSC or other L2 like Base.

Date of experience: 07 March 2024

Reply from Xapo Bank

We appreciate your feedback and look forward to continuously improving our services for you.