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.

What’s New

Version 5.2.2

Keepin' it simple!
• We made adjustments to the way you can transfer bitcoins and we simplified the process for withdrawing funds to a bank account.
• Onboarding: it's now easier and faster to scan your documents and submit them.
As usual, lots of internal improvements to make your Xapo experience even better!

Ratings and Reviews

3.3 out of 5
619 Ratings

619 Ratings

Ashton012345 ,

My view on it

So far the app was pretty easy getting information wasn’t hard but I’m not sure why you would need all that information but I got it done get everything situated but the only issues I’m having with the app is mostly the same with cash app.

1. Having trouble putting in date of birth
2. At least with cash app you get a free card but this will give you a card to except they don’t do it in Certain countries and I’m in Texas

But we’ll see how this goes only reason I downloaded this app because my friend said I should use it, but it’s up to you everyone’s opinion of this app is different you can still use it rather if you decide to or not is your choice to use this app or use cash app.

Developer Response ,

Hello Ashton and thanks for your review. The reason we ask for your documents is to verify your identity and ensure the security of your account. Here's more on that ( If you need to get in touch, please write us at and we'll gladly help you out.

DoorDashReview ,

“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.

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.


Developer Response ,

Dear user. Thank you for sharing your detailed experience with Xapo. You are the owner of your bitcoins and we publish our Terms of Use and Privacy Policies so that you can check them anytime. As you said, you are the owner of your funds and you have the right to withdraw to any other service you wish. Our verification process is part of the security in your wallet and compliance requirements, it is not a way to make you upset but we must do. In case you still have any remaining funds in your account and couldn't withdraw, please email me to to open your account and can withdraw in your preferred wallet. Best wishes.

Subanic ,

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 ,

Dear user. Thank you for your detailed feedback and for bringing this to my attention. Our Terms of Use are available on where you can also find the address of Xapo.  I kindly ask you to contact me to to help you to follow up this case carefully and see why your fiancé has not received his bitcoins. I will be looking forward to your answer. Thank you.


Xapo Limited
270.6 MB

Requires iOS 10.0 and watchOS 5.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, Portuguese, Spanish

Age Rating


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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