Xapo Review

(Last Updated On: April 27, 2019)

If you are looking to store, send, receive or even spend bitcoins xapo might be the best choice for you. Xapo provides wallet, cold storage and bitcoin debit card working across ATM’s worldwide.

In this article, we will look at all of the xapo services and explain you about how and what are they.

Xapo Online Wallet and Mobile App

We suggest users in all of our articles that web wallets aren’t the best choices to store your bitcoins but xapo has got some good reputation in terms of security including two-factor authentication and Offline Xapo Vault like a bank for storing bitcoins for long-term purposes.

However, if you want to use xapo wallet at your fingertips there is a mobile version also available for xapo both on Android and iOS.

Xapo Vault

Xapo Vault is like a savings account for your bitcoins used for long-term security for coins with cold storage options and tight security for coins security. Deposits are really easy while withdrawals from the vault to wallet can take up to 2 days going through some layers of security.

The vault has a number of security features, such as multifactor authentication and private key segmentation. When you transfer funds from your Xapo web wallet to the Xapo vault, these funds are moved to an offline computer encrypted.

Xapo Debit Card

Apart from two great services provided, Xapo also provides debit cards to spend your coins hassle free just like any debit card but it will be linked to online wallet rather than a bank account.

The debit card allows users to make purchases online or withdraw cash from ATM’s worldwide. It can be used anywhere Visa is accepted well that is pretty much everywhere and accepts USD, Euro, GBP with the user notified each time a purchase is made.

The Xapo debit card is linked with the wallet and has a daily spending limit of $2500 but if a user provides documentation the spending can be unlimited.


The xapo web wallet and vault both are free to use while there is some transactions fee when sending payment to any other type of wallet like block chain.info, while xapo to xapo sending and receiving is free.

Adding funds can charge 0.2% fee, worth mentioning the xapo debit card has got a one-time 20$ fee when applying for the debit card for the first time and there is a $1 fee when changing the PIN of the card.

While we give users a trick that if necessary always use the card in card spending currency like USA or UK as if one uses the card in another country foreign exchange purchase fee also applies which is 3% approximately.

Online Reviews

The reviews found online were fairly good and both google play store and app store comments are fair while the customer support for xapo is considered to be slow and people gave some negative comments about them.


Overall if you want to spend, receive and store coins xapo can be the best choice for you as it provides some great and legitimate services which can be helpful for coin traders and savers.


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