At Xapo, we’re firm believers that no matter who you are or where you're from, you deserve easy access to digital financial services.
Xapo is your alternative to traditional banking. We’re a digital wallet that allows you to easily and safely send, receive, store and spend any traditional currencies and bitcoin.
Manage your money
• Use a variety of methods to add money to your Xapo account such as bank transfer, credit card, bitcoin transfer, and more!
• Create spending accounts to send, receive and exchange up to 150 traditional currencies and bitcoin.
• Create savings accounts to store traditional currencies and bitcoin in our ultra-secure Vaults.
• Share your accounts we people you trust and co-manage your finances. Give them different permissions to keep control of your money.
• Follow your account’s activity in detail with real-time notifications.
We’ve developed the most secure alternative-banking platform in the world, complete with a global network of ultra-secure bitcoin Vaults. Because industry standard security measures are good, but when it comes to protecting your livelihood, “good” isn’t good enough.
"Simple and easy" is what best describes Xapo's 5.0.5 version and here’s why:
• NEW! Did you move recently? Change your address directly from the app so your profile is updated with your most recent personal information.
• Check out our improved bottom navigation menu. Your app will feel less crowded and more functional!
• If you’re used to exchanging currencies, you’ll find our new rounded currency flags friendlier on the eyes.
• We’ve also improved our chat section. Switching between sending money to sending a message is now smoother.
Thanks for downloading and see you on the next release!
Ratings and Reviews
“OK” BTC Wallet...
I’ve had Xapo since 2017, so a little over 2 years now. Back then Xapo didn’t require account verification in order to create an account and receive/send BTC. So over the 2 years I’ve invested a few thousand into bitcoin and I’ve been storing it on my Xapo account.
But everything changed a few days ago, I randomly received an email informing me that “verify your account in the following days otherwise your account will be locked”, and I knew that wouldn’t work for me being that the account was created over two years ago when their ToS didn’t require verification. So I rushed over to my Xapo account, withdraw all of my BTC from my Xapo vault (which takes 48 hours! I was nervous my account would be shutdown/locked before I could withdraw my bitcoin from the Xapo vault), and transfer it all to my new Coinbase wallet.
That was pretty scary, knowing at ANY moment Xapo could lock my account and steal all of my Bitcoin.
****EVERYONE, PAY ATTENTION****
Do not use Xapo as your BTC wallet, there is a high chance that there ToS will change in the future and try to lock you out of your account for any reason they can come up with.
USE COINBASE. ALL THE STRESS I GOT FROM USING XAPO INSTANTLY WENT AWAY WHEN I TRANSFERRED ALL OF MY BTC INTO A GOOD AND TRUSTED BTC WALLET (COINBASE).
Developer Response ,
Not Happy With Service
I originally signed up for xapo wallet in the early part of this year. I went through all of the required steps to open an account only to find out that I can’t use my account because they don’t service a state where I live. If I live in a state that you don’t service then why was allowed to create an account? I was not to happy about the fact that I submitted all my documentation for verification and address but still able to use my account due to that fact on my state not being serviced.
Dear developer response
Yes I am restricted because I live in Georgia which is a state that your company does not service.
Developer Response ,
Hi again, Mzexmore. Yes, you are right, due to local regulations in your state, we had to stop providing our services. Rest assured we will be working hard to serve you again. Thank you for your answer and your interest in our Xapo services.
One month later and my fiancé still can’t get his BTC
This has been a non-stop charade of nonsense around “risk and compliance”. Xapo is non responsive or slow to respond to questions. Xapo rejected his compliance documents (ie: a copy of his original bank statement proving his address) and then after a few weeks’ delay finally accepted his utility bill. As an IR and AML and KYC compliance person myself, I think this is ludicrous.
Unbelievably they have now suspended his account with a perfunctory note saying that Xapo can suspend transactions or accounts at will and with no reason.
So be warned. Xapo is again non-responsive and holding onto his money going on week 4 now. And forget about trying to locate their domicile - their site says they are in Gibraltar somewhere. These guys aren’t even here in the USA and run on their own hours which is totally inconvenient.
Developer Response ,
With Family Sharing set up, up to six family members can use this app.