Xcoins Review

In this Xcoins review (not to be confused with its unrelated crypto lending service xCoins.io), we take a look at its history, fees, security, usability, and available deposit and withdrawal methods. Xcoins.com is a leading gateway for individuals to buy bitcoin (BTC), ethereum (ETH), litecoin (LTC), XRP, and bitcoin cash (BCH) cryptocurrencies with your bank card. The service operates worldwide, offers relatively low transaction fees, and an instant delivery guarantee, which makes it one of the best options for acquiring top digital assets in a legal and secure way.

General info

Web address: Xcoins
Support contact: Link
Main location: Malta
Daily volume: 1000.0 BTC
Mobile app available: No
Is decentralized: No
Parent Company: CF Technologies
Transfer types: Credit Card, Debit Card,
Supported fiat: USD, EUR
Supported pairs: 10
Has token: -
Fees: Medium (Compare rates)

Pros & Cons

  • Low exchange rates Great for beginners Non-custodial platform Quick verification Excellent customer support
  • Limited number of cryptocurrencies Limited payment methods Low privacy No advanced trading options



Xcoins Review: Key features

Established in 2016, Xcoins.com is one of the leading platforms that allows users to buy bitcoin online with a Visa or Mastercard cards. The service requires all users to open an account and verify their identity but the process is nearly instant and takes only several minutes. Xcoins has become an integral part of the crypto ecosystem and has helped more than 250,000 customers from more than 167 to buy and sell more than USD 250 million in digital cash.

Buy and sell top 5 cryptocurrencies in U.S. dollars (USD) and euros (EUR). Xcoins offers exchange services for major cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Litecoin (LTC), and Bitcoin Cash (BCH)
Some of the lowest exchange rates. Xcoins exchanges cryptocurrencies at the best available rate, though credit or debit card transactions come with an additional 5% payment processing fee charged by the payment service providers.
Instant delivery guarantee. Xcoins guarantee that your order will be processed within 15 minutes. If not, your next purchase is going to be free of charge.
Quick and instant verification. You cannot purchase crypto via Xcoins if your account is not verified. Fortunately, their verification is super quick as it takes only several minutes to get verified.
Top-notch customer service. Xcoins prides itself on delivering exceptional customer support. It’s easy to reach the support agents anytime, 24/7/365 via live chat, phone, or email.

xcoins.com review

Source: Xcoins.com

In brief, Xcoins is a quality service for everyone interested in acquiring cryptocurrency in a secure and regulated manner. The service offers some of the best exchange rates amongst instant cryptocurrency exchanges, and its non-custodial nature leaves you in control of your private keys, meaning that you don’t have to rely on third parties to keep your coins secure.

Xcoins Origin and Background

Xcoins was founded in 2016 and is operated by its parent company CF Technologies Ltd., which is incorporated in Malta. The full address of the exchange is 48 Stella Maris Street, Sliema SLM1765, Malta.

The platform was established with a simple and attainable mission in sight - to make the process of buying bitcoin as smooth and as frictionless as possible so that even your grandma can do it.

Today, the service boasts of having exchanged more than $250,000,000 in digital cash for over 250,000 customers from more than 167 countries.

Xcoins review achievements

The exchange is regulated in Malta and complies with all European regulations, including anti-money laundering (AML) and know your customer (KYC) regulations, as well as European Union Data Protection (GDPR) policy.

The platform is constantly working on implementing new features that make buying and selling bitcoin and other top cryptocurrencies increasingly simpler.

Xcoins Supported Countries

Xcoins services are available in almost any country in the world, as the service covers 167 countries worldwide. This number even includes countries with somewhat stricter stances towards cryptocurrency, such as the United States, Canada, France, Germany, United Kingdom, Venezuela, Turkey, Saudi Arabia, Russia, India, Japan, Australia, and many others. The complete list of Xcoins supported countries can be found here.

Unfortunately, the supported countries list does not include jurisdictions like China, South Korea, Iran, Nigeria, Ethiopia, Syria, and others.

Account Registration & Verification

Xcoins review create account

All Xcoins.com users must be verified in order to use the service. The registration and verification process is relatively quick and straightforward, and consists of several steps:

  1. Registration, mobile phone, and email verification (takes up to 2 minutes)
  2. Identify verification with your driving license, passport, national ID, and selfie (proof of living).

The entire registration and verification process is smooth and simple - it takes only a few minutes to get verified and start buying bitcoin.

Visit Xcoins

Xcoins Fees and Limits

Xcoins follows an extremely simple fee structure. It does not charge any fees on top of the transaction, except for a 5% card processing fee, which is a standard rate for the vast majority cryptocurrency purchases using Visa or Mastercard bank cards.

Besides, the Xcoins exchange rate is one of the most generous in the industry compared with other instant exchange services. Here’s how it compares with other popular instant exchanges if we were to buy USD 100 worth of bitcoin (at the time of writing, 1 BTC = ~ USD 9,500).

ExchangeUSD AmountAmount of Bitcoin (BTC) received
XcoinsUSD 1000.00997 BTC
ChangellyUSD 1000.0094 BTC
CoinSwitchUSD 1000.009360 BTC
ChangeNOWUSD 1000.0089832 BTC
SwitchHereUSD 1000.00899509 BTC

Besides, Xcoins are currently offering a guarantee that if your transaction is not completed within 15 minutes, your next transaction is going to be free of charge.

Besides, the service applies the following limits to your purchases, which differ based on your verification level:

Xcoins review limits

As you can see, Xcoins offers one of the best exchange rates amongst instant crypto exchanges, which means that you’re likely to the most bang for your buck when purchasing or selling cryptocurrencies with Xcoins.

Xcoins Security Measures

Xcoins is a non-custodial cryptocurrency broker, which means that it does not offer digital wallet services, and cannot lose your funds to hackers. That makes the exchange extremely secure, or at least way more secure than most centralized exchanges. Also, the exchange is not known to have experienced any hack or major data leak thus far.

xcoins review how it works

Since Xcoins does not provide digital wallet service, you must have your own private wallet and manage your private keys. If you don’t have one yet, we recommend using hardware wallets by Ledger or Trezor. Alternatively, you can get yourself a software or a web wallet that supports the cryptocurrency of your choice. See our “How to Choose a Bitcoin Wallet” guide to learn more about finding the right cryptocurrency wallet for you.

Xcoins is a regulated service provider, which has its own pros and cons. For one, strict KYC and AML measures tend to little room for privacy. All of your transactions to private crypto wallets are recorded and associated with you, and you might experience issues if your transaction information is leaked to nefarious actors. On the other hand, you can be sure that the service provider is a credible institution with legitimate people behind it.

On the user side of the platform, Xcoins let you secure your account with two-factor authentication (2FA). Although your account does not contain your coins, it contains a record of your transactions and other valuable private data, so it is recommended to keep it as secure as possible, using both a unique and secure password (that you don’t use on any other services) and two-factor authentication.

xcoins review security

In sum, Xcoins is a very secure option due to its non-custodial and regulated nature. With Xcoins, you are in charge of safekeeping your own keys, which is one of the major advantages (and burdens) of dealing with cryptocurrencies.

Xcoins Design and Usability

Using Xcoins is very simple as the service was designed to be a simple and convenient crypto gateway for both new and experienced cryptocurrency investors.

xcoins review usability

At pixel time, Xcoins allows you to buy and sell the following cryptocurrencies using either U.S. dollars (USD) or euros (EUR):

  • Bitcoin (BTC)
  • Litecoin (LTC)
  • Ethereum (ETH)
  • Ripple (XRP)
  • Bitcoin Cash (BCH)

The buying and selling on Xcoins are extremely simple, as the platform does not have any confusing advanced options that create friction during the purchase. All you need to do is:

  1. Select your payment currency, a cryptocurrency that you want to receive, and enter your payment amount.
  2. Enter your private selected cryptocurrency’s wallet address.
  3. Fill in your bank card details.
  4. Complete payment.
Xcoins review

Xcoins order confirmation window.

That’s it! Your cryptocurrency payment should be initiated within 15 minutes, and if it takes longer than that, Xcoins promise to cover your next purchase’s fee.

You can also track the status of your order via a dedicated "Track Order" section.

xcoins.com exchange review

Xcoins are also working on sell coins feature that should be out anytime soon. It will allow you to sell cryptocurrencies for fiat at some of the best rates in the market, and receive money directly to your bank account. The whole process of selling coins is as simple and convenient as buying, so it is likely that even your grandmother will be able to do it with just a few clicks of a button.

Go to Exchange

Xcoins Mobile App

For now, the Xcoins platform is accessible solely via the web platform. Nevertheless, its website is fully mobile responsive, which makes it easy and convenient to use regardless of the device you’re using.

Here are some screenshots of using the Xcoins website via a smartphone.

Xcoins review mobile view

Customer support

Xcoins.com employs a top-notch customer support team that is available 24/7/365 via a live chat, phone, and email. Besides, Xcoins has an extensive knowledge base that answers the customer’s most frequent questions.

The team is known to respond within a reasonable timeframe, which is approximately within 1 hour. The live chat support is very responsive, too, though the quickest way to contact the team is by making a call.

Xcoins support

Deposit and Withdrawal Methods

Xcoins is a non-custodial cryptocurrency instant exchange, and the only way to buy cryptocurrencies via the Xcoins platform is by using a Visa or Mastercard bank cards.

Xcoins review checkout

The platform sends coins directly to your private wallet, so it acts as a broker or mediator between you and coin sellers. As such, users don’t actually need to make deposits or withdrawals into their exchange accounts.

Xcoins Review: Conclusion

Xcoins is a solid choice for everyone who wants to buy bitcoin and other top cryptocurrencies quickly, securely, and conveniently. The platform has the best exchange rates amongst instant exchanges, and the 5% payment processing fee is rather low for direct credit or debit card purchases. Putting all of these things into consideration, it is clear that the platform is a great fiat gateway for both newbies as well as more experienced crypto enthusiasts.