Xapo Bank Reviews 1.099

TrustScore 4 uit 5

3,9

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Beoordeeld met 5 van de 5 sterren

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... Toon meer

Bedrijf heeft geantwoord

Beoordeeld met 5 van de 5 sterren

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... Toon meer

Bedrijf heeft geantwoord

Beoordeeld met 1 van de 5 sterren

Honnêtement, Xapo est l’une des pires expériences bancaires que j’ai eues. Leur service est extrêmement décevant : blocages de compte sans explication, transferts refusés sans raison claire, et un... Toon meer

Bedrijf heeft geantwoord

Beoordeeld met 5 van de 5 sterren

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!

Bedrijf heeft geantwoord

Bedrijfsgegevens

  1. Bank

Geschreven door het bedrijf

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.


Contactgegevens

3,9

Goed

TrustScore 4 uit 5

1K reviews

5 sterren
4 sterren
3 sterren
2 sterren
1 ster

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Beoordeeld met 1 van de 5 sterren

Xapo Bank

Xapo Bank. I paid a $1,000 annual fee, but they closed my account in the first month without any reason and gave no refund. They are scammers

3 april 2026
Review zonder uitnodiging
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Antwoord van Xapo Bank

We sincerely regret to read about your experience. Upon re-reviewing your case, our records confirm that our team has already been in direct contact with you to address this matter and provide a solution which was subsequently implemented.

Beoordeeld met 5 van de 5 sterren

Xapo needs more product portfolio to…

Xapo needs more product portfolio to its kitty.

7 april 2026
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Antwoord van Xapo Bank

Thank you for this valuable feedback. We're always working to expand our product offerings. If you have specific ideas on what you'd like to see, please feel free to email us at talktous@xapo.com.

Beoordeeld met 1 van de 5 sterren

Scam

Honnêtement, Xapo est l’une des pires expériences bancaires que j’ai eues. Leur service est extrêmement décevant : blocages de compte sans explication, transferts refusés sans raison claire, et un support client quasiment inutile. Xapo son des voleurs a 100%

On vous laisse dans le flou total pendant des jours, voire des semaines, sans aucune transparence. Aucune communication sérieuse, aucune responsabilité, et surtout aucune considération pour les clients. On a vraiment l’impression que votre argent ne vous appartient plus une fois qu’il est chez eux.

Leur système est rigide, mal géré, et totalement stressant à utiliser. Si vous tenez à votre tranquillité et à la sécurité de vos fonds, évitez Xapo à tout prix. Clairement, je ne recommande pas du tout.

31 januari 2026
Review zonder uitnodiging
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Antwoord van Xapo Bank

Dear Zakaria, we have received your query regarding this matter. Our team is in touch with you to work towards a resolution.

Beoordeeld met 1 van de 5 sterren

Bonjour j’ai investi de l’argent

Bonjour j’ai investi de l’argent tous ce temps mon conseiller était réactif ! Après avoir eu des problèmes financiers je demandais un remboursement des fonds investis après un mois toujours rien reçu et mon conseiller ne répond plus ! Je vous mets en garde je crois bien que je me suis fait arnaquer !

1 april 2026
Review zonder uitnodiging
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Antwoord van Xapo Bank

Hello Fabrice, thank you for bringing this to our attention.
We are truly sorry to hear about this. To discuss this matter in more detail, please contact us at talktous@xapo.com so we can assist you.

Beoordeeld met 1 van de 5 sterren

Missed the refund by 2 days as was in…

Missed the refund by 2 days as was in turkey

1 maart 2026
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Antwoord van Xapo Bank

Hello Liam! We are sorry to hear that you missed the refund window while you were away.
We can confirm a member of our team has been in touch with you directly to clarify the situation and discuss this further.

Beoordeeld met 1 van de 5 sterren

La même chose m'arrive actuellement

La même chose m'arrive actuellement. Ils ont bloqué mon compte après que j'ai payé 1 000 $ pour un abonnement VIP.

Il semblerait qu'une tierce personne ait effectué le paiement depuis différents comptes bancaires et ait commencé à demander un remboursement. Mais d'après les avis, il semblerait que j'aie causé du tort à cette personne et qu'il s'agisse d'une arnaque montée de toutes pièces pour me voler mon abonnement à 1 000 $.

Surtout lorsqu'on se trouve dans un pays africain, on est une proie facile. Je ne le recommande pas. Les banques en gratuit sont bien meilleures.
Au début, tout se passe bien, mais rapidement, les problèmes commencent, le compte est bloqué et il est impossible de retirer des fonds. Ils vous disent d'être patient jusqu'à la fin du délai de Exmain
, et ensuite, je ne sais pas ce qu'ils vous font. Je ne le recommande pas ; c'est un investissement voué à l'échec. Ils m'ont causé une dépression nerveuse. Dieu merci, il y aura un jour du jugement dernier, et je jure devant Dieu que je ne leur pardonnerai pas devant le Seigneur des mondes.

Je porterai plainte contre eux auprès de toutes les autorités internationales compétentes. J'ai toutes les preuves, de A à Z.

21 maart 2026
Review zonder uitnodiging
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Antwoord van Xapo Bank

Hello! Thank you for bringing this to our attention. We are very sorry to hear about this distressing situation.
Please be assured that our team is in touch with you directly to investigate and resolve this matter as a priority.

Beoordeeld met 5 van de 5 sterren

Great BTC focused bank

Great BTC focused bank. Safest place to store and grow your BTC

16 maart 2026
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Antwoord van Xapo Bank

Thank you for your positive feedback! It means a lot to us!

Beoordeeld met 1 van de 5 sterren

My experience with Xapo Bank has been the worst banking experience I have ever had, and I have full documentation and screenshots to prove everything. I paid $1,000 for the Xapo Bank subscription, exp

My experience with Xapo Bank has been the worst banking experience I have ever had, and I have full documentation and screenshots to prove everything.
I paid $1,000 for the Xapo Bank subscription, expecting a professional and reliable service. Instead, I encountered constant delays, misinformation, and blocked withdrawals.
I attempted my first BTC withdrawal to my external wallet, but the transfer was immediately stopped. I was then asked to complete a Zoom verification, which I did. After completing the verification, I had to wait 6 days for the withdrawal to be processed. During that time, my Bitcoin was kept on hold by Xapo, and the BTC price moved against me, causing me to lose money simply because they would not release my funds.
On March 14, I attempted a second withdrawal. Once again, the transfer was placed on hold. After waiting about 5 hours, I contacted chat support. The support agent, Camilla, told me that the withdrawal was completed. I have screenshots of this conversation as proof.
However, the funds never arrived in my wallet.
When I checked again on Monday, I discovered that the transaction had been cancelled without any explanation. After contacting support again, they told me that withdrawals to external wallets are currently not available.
This is completely unacceptable. I have wasted more than 10 days dealing with this situation and lost money due to Bitcoin price fluctuations while my funds were being held by them.
Based on my experience, the service is extremely unreliable. The support is slow and inconsistent, and I was given incorrect information by their representative.
I will be filing formal complaints and reports regarding this situation, as customers deserve transparency and access to their own funds without unnecessary delays or misleading communication.

16 maart 2026
Review zonder uitnodiging
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Antwoord van Xapo Bank

Dear Helena, thank you for your feedback. We sincerely apologize for this experience.
We can confirm our team has been in touch and this matter is now resolved. Your feedback is crucial as we work to improve our services.

Beoordeeld met 5 van de 5 sterren

Best bank ever

Best bank ever.
Best support ever .
So professional and polite.

10 maart 2026
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Antwoord van Xapo Bank

We're happy to hear that you had such a wonderful experience. We appreciate your kind words!

Beoordeeld met 1 van de 5 sterren

A financial entity dancing on the edge of reliability and legality..

I have been a truly satisfied customer of the bank for almost 2 years. I have had a relatiely significant movements on my account. At one moment they have asked me by email and thru XAPO APP to provide them with my wealth report such as incomes, net worth etc. I found this request odinary, reasonable and eligible so I have really did my best to provide them with as much documents and official free access government web links as I could. I have truly thought that I had been even more willing to share my sensitive datas as I should have had to be. But suddenly, unexpectedly, without giving any eligible reason they blocked my account services. They have kept me asking really meaningless additional questions, undefinite general requests. But I had treated those additional requests with a respect and following I have had provided them with as much additional information as I could. Unfortunately they have kept requesting again and again already submitted things without any explainable reason. That was the moment when I realised that they are whether professionaly incompetent or have just started a process tipically characteristic for a so called official scam exchange platforms when at a certain moment they just block you and citing official reasons they endlessly apologise and request something same or similar until you are losing your patience. This is the real current situation with XAPO BANK in my case and I am just wondering why they are doing this. I was really convinced that they are a trusted bank with an UK passport but it seems that they are a kind of private semi scam hybrid financial company dancing on the edge of the reliability and even legality. You can receive emails from Pedro, Sebastian, Ana but does not matter, sometimes they are linked and consistent, but sometimes they are not synchronised and apologise for asked you second, third time already submitted information. I do not know, they can be hired part time students working remotely from home anywhere in the world. One last thing, I have personally visited XAPO BANK in Gibraltar and met with Mr. Rocca, a head of IT security and company accounts (if I remember well) and I had a good impression. Anyhow, now I have to draw a disappointing conclusion that if you plan a reliable long term banking, avoid XAPO BANK.

8 maart 2026
Review zonder uitnodiging
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Antwoord van Xapo Bank

Dear Gabriel, thank you for your detailed feedback! We sincerely apologize for the frustrating experience and confusion.
Our team is actively in touch with you regarding this matter and is currently awaiting your reply to move forward with a resolution.
We are committed to resolving this and appreciate your patience.

Beoordeeld met 1 van de 5 sterren

Bir ay once para gönderdim 5000 euros…

Bir ay once para gönderdim 5000 euros hesabıma geçmedi çünkü muhabir bankaları parayı aktarmamış bu büyük bir sorun ve böyle devam ederse bu bankadan ayrılacam

8 maart 2026
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Antwoord van Xapo Bank

Dear Erdogan, thank you for bringing this to our attention. We sincerely apologize for the significant delay.

Please be assured that our team is already in touch with you regarding this matter.
We appreciate your patience while we work to get this sorted out for you

Beoordeeld met 5 van de 5 sterren

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!

3 maart 2026
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Antwoord van Xapo Bank

Thank you for your kind feedback! Your rating means a lot to us!

Beoordeeld met 4 van de 5 sterren
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Antwoord van Xapo Bank

Thank you for rating us! If you have any concern, please feel free to message us at talktous@xapo.com

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