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DOGE 0.83%
ETH 2.66%
PEPE -0.53%
XRP 0.24%
SHIB 0.35%
SOL 2.46%
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In this review (not to be confused with its unrelated crypto lending service, we take a look at its history, fees, security, usability, and available deposit and withdrawal methods. is a leading gateway for individuals to buy bitcoin (BTC), ethereum (ETH), litecoin (LTC), XRP, bitcoin cash (BCH), and dogecoin (DOGE) 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. Review: Key Features

Established in 2016, is a leading cryptocurrency platform that allows users to buy and sell cryptocurrencies instantly with Visa, Mastercard, SEPA, Faster Payment or other payment methods based on your country of residence. was issued a Class 3 Virtual Financial Asset (VFA) License by Malta Financial Services Authority (MFSA), making them one of the first cryptocurrency exchanges to receive these permissions. This means that their internal processes and policies are in line with the highest standards in the industry. The service requires all users to open an account and verify their identity but the process is almost instant and takes only a few  minutes. has become an integral part of the crypto ecosystem and has helped more than 250,000 customers from over 167 countries to buy and sell more than USD 250 million in digital cash.

  • Buy and sell top 6 cryptocurrencies in U.S. Dollars (USD), Euros (EUR), Pound sterling (GBP), Australian dollar (AUD), Canadian dollar (CAD) and Turkish lira (TRY). offers exchange services for major cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Litecoin (LTC), Bitcoin Cash (BCH), and Dogecoin (DOGE).
  • Some of the lowest exchange rates. exchanges cryptocurrencies at the best available rate. Also note that credit or debit card transactions come with an additional payment processing fee that is charged by the payment service providers.
  • Instant delivery guarantee. guarantees that your order will be processed within 15 minutes. They also guarantee that if  your order takes longer, then your next purchase is going to be free of charge.
  • Quick and instant verification. You cannot purchase crypto via if your account is not verified. Fortunately, their verification is almost instant as it takes only a few minutes to get verified.
  • Top-notch customer service. prides itself on delivering exceptional customer support. The support agents are available 24/7 via live chat, phone, or email.

To summarise, is a quality service for anyone interested in acquiring cryptocurrency in a secure and regulated manner. The service offers some of the best exchange rates amongst instant cryptocurrency exchanges. Its non-custodial nature leaves you in control of your private keys, which means you don’t have to rely on third parties to keep your coins secure. Origin and Background was founded in 2016 and is operated by its parent company CF Technologies Ltd., which is based in Malta. The full address of the exchange is Phoenix Business Centre, The Penthouse, Old Railway Track, Santa Venera SVR 9022, Malta.

General info

Web address: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, GBP, TRY, AUD, CAD
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


The platform was established with a simple and attainable mission in sight – to make the process of buying and selling Bitcoin as smooth and as seamless as possible so that even your grandma can buy and sell crypto.

Today, is proud to have  exchanged more than $250,000,000 in digital cash for over 250,000 customers from more than 167 countries.The exchange is fully 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.’s  Supported Countries offers its services worldwide, to 167 countries. If you want to know the list of countries they operate in, check out their support page here

Account Registration & Verification 

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

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

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

Visit Xcoins

Xcoins Fees and Limits follows an extremely simple fee structure. It charges a low fee on top of the transaction. There is also a standard rate for purchases using Visa or Mastercard bank cards.

Besides, the exchange rate is one of the most generous in the industry when 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, is currently offering a guarantee that if your transaction is not completed within 15 minutes, your next transaction is going to be free of charge.’s Security Measures is a non-custodial cryptocurrency broker, which means that it does not offer digital wallet services, and you cannot lose your funds to hackers. That makes the exchange extremely secure, or at least way more secure than most centralised exchanges. Also, the exchange seems to not have experienced any hack or major data leak thus far. 

Since 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.

As all cryptocurrency exchanges,  has its own pros and cons. For one, strict KYC and AML measures give you peace of mind, given you can rest assured security is a priority with this exchange. However, they also tend to have little room for privacy. All of your transactions to private crypto wallets are recorded and associated with only you, s. On the user side of the platform, lets 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. This is why 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

To sum up, is a very secure option due to its non-custodial and regulated nature. With, 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 is very simple as the service was designed to be a simple and convenient crypto gateway for both new and experienced cryptocurrency investors. 

At pixel time, allows you to buy and sell the following cryptocurrencies using U.S. dollars (USD), euros (EUR), pound sterling (GBP), Australian dollar (AUD), Canadian dollar (CAD) and Turkish lira (TRY).

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

Buying and selling on is extremely simple, giving users a pleasurable experience with no stress  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. order confirmation window


That’s it! Your cryptocurrency payment should be initiated within 15 minutes. If it takes longer than that, even promises to cover your next purchase’s fee.

Xcoins also has a sell coins feature which allows you to sell cryptocurrencies for fiat at some of the best rates in the market. A definite bonus is that you will receive money almost instantly to your bank account. The whole process of selling coins is as simple and as convenient as buyingGo to Exchange

Xcoins Mobile App

For now, the 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. is also working on a mobile app that should be out shortly.  

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

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

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

Deposit and Withdrawal Methods is a non-custodial cryptocurrency instant exchange, and the only way to buy cryptocurrencies via the platform is by using Visa, Mastercard, SEPA, Faster Payment or other payment methods based on your country of residence. 

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. Review: Conclusion is a solid choice for anyone 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.