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FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Xapo Bank

Bank · Gibraltar

About the company

Legal company nameXapo Bank Limited · Xapo VASP Limited
Year founded2013
Headquarters / registered countryGibraltar
Websitewww.xapobank.com
Last checked08.10.2026

According to its official website, Xapo Bank is Xapo Bank Limited, whose roots go back to Xapo, founded in 2013 by Wences Casares, and which began operating as a bank regulated by the Gibraltar Financial Services Commission (GFSC) in 2021; its headquarters are in Gibraltar. The site says it passported its banking licence into the United Kingdom in 2024 and offers interest-bearing accounts for both Bitcoin and fiat in the UK. Membership requires a USD 1,000 annual fee and identity verification; members get USD, GBP, EUR, stablecoin and Bitcoin accounts, interest paid in Bitcoin, Bitcoin-backed lines of credit, investment in stocks, ETFs and gold, a debit card and a dedicated relationship manager. Bitcoin is held separately by Xapo VASP Limited, regulated by the GFSC as a virtual asset service provider; the site says fiat deposits are protected up to the equivalent of GBP 120,000 by a deposit guarantee scheme. According to the Bank of England list and the FCA register, it is a Gibraltar bank that may accept deposits through services in the UK, and its FCA status is 'EEA Authorised'. This information is the company's own statement.

Account Details

ACCOUNT TYPESPersonal membership (USD 1,000 annual fee) · Institutional services
MIN. DEPOSITNot stated
PLATFORMSMobile app
PRODUCTSUSD, GBP, EUR, stablecoin and Bitcoin accounts · Interest paid in Bitcoin · Bitcoin-backed credit lines · Bitcoin custody · Stocks, ETFs and gold · Debit card · Inheritance planning

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 902001
Licence holderXapo Bank Limited
ScopeGibraltar bank authorised to accept deposits through a branch or service in the UK according to the Bank of England list of 1 Oct 2026; listed in the FCA register under Xapo Bank Limited (FRN 902001, status: EEA Authorised), regulated by the FCA and the PRA.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: January 2024 – October 2026

  • Withdrawal / payment: 46
  • Account / trading conditions: 26
  • Identity verification: 7
  • Customer support: 4
  • Other: 3

No. 114 for most complaints among 520 institutions.

RANK BY TOPIC — Withdrawal / payment: 52. · Account / trading conditions: 135. · Identity verification: 65. · Customer support: 149. · Other: 140.

SOURCES REVIEWED

The complaint distribution is based on the latest 1-star reviews on the Xapo Bank Trustpilot page (86) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Xapo Bank name are left out. Across the complaints, funds not returned after accounts were frozen or closed, transfers held in long reviews and the annual membership fee rising from USD 150 to USD 1,000 stand out.

Sources and verification history

Official company sourcesxapobank.com — About Us (Our Story), Compliance, Membership, Membership Benefits
Regulator recordsBank of England PRA list of banks (1 Oct 2026) · FCA — Xapo Bank Limited, FRN 902001, status EEA Authorised (register.fca.org.uk)
Company registerCompany registry details not stated on the site
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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