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Fact Checker Review and Comparison Guide

By: Alex Miguel | Last updated: 1/6/24

Xcoins is a platform that enables users to instantly purchase crypto with a debit or credit card, pledging to deliver their coins within 15 minutes of payment approval. In this review, I’ll go over the platform’s features, fees, and other important info that you’ll want to know before signing up.

Xcoins Review Summary

Xcoins is an excellent platform for instantly buying small amounts of popular cryptocurrencies with a bank card, SEPA, Faster Payments or Interac. The fees are somewhat high, so if you’re buying a larger amount of coins, you’ll probably want to use a major exchange.

That’s Xcoins in a nutshell. For a more detailed review, continue reading below. Here’s what I’ll cover:

  1. Xcoins Overview
  2. Xcoins Services
  3. Currencies and Payment Methods
  4. Fees
  5. Buying Limits
  6. Supported Countries
  7. Customer Support and Reviews
  8. Conclusion

1. Xcoins Overview

Xcoins was founded in 2016 by Rob Frye and a handful of cryptocurrency enthusiasts. It is currently headquartered in Malta and operates under a company called CF Technologies, Ltd. The platform claims to provide an average transaction time of just 5 minutes and operates in more than 160 countries worldwide.

2. Xcoins Services

Instant Crypto Purchases

The core service that Xcoins provides is facilitating instant purchases of crypto, using a debit or credit card. Xcoins provides a very streamlined and simple user interface, which is very beginner friendly. It removes the need to interact with any typical complex exchange features such as candlestick charts or order books, making it an easy-to-use option for users of all levels of experience.

Simply enter the amount of fiat currency you want to spend (or how much crypto you want to buy), create an account and you’ll have your crypto within 15 minutes of payment approval.

The service is entirely non-custodial, which means that any coins you purchase are sent directly to a wallet address of your choice – Xcoins does not hold any coins on your behalf.

3. Currencies and Payment Methods

Xcoins only offers a handful of the top cryptocurrencies, including:

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

Xcoins accepts debit and credit cards for payment from users all around the globe. It also accepts SEPA for European customers, Faster Payments in the UK and Interac for Canadian users.

4. Fees

Xcoins fees are somewhat high, however this is typically expected of services that facilitate crypto purchases with a bank card. This includes a fee of around 4-6% of the purchase total, as well as a 3.9% processing fee for purchases made with a debit or credit card.

Total fees may be lower for other payment methods, and they will be clearly displayed in the purchase window before finalizing the transaction.

Exchange rates are locked in once payment is received, to protect both the customer and Xcoins from market fluctuations.

5. Buying Limits

At the time of writing, Xcoins claims to allow purchases of up to $150 in crypto without identity  verification (however you’ll still need to provide a name, email address and phone number). For anything higher, users will need to verify their identity with additional documentation including a form of photo ID.

This level of verification will enable you to purchase up to $10,000 worth of crypto in a day (with a maximum of 3 days), and up to $25,000 within a month.

To further increase limits, users will need to pass an “enhanced” verification, which will include proof of address and proof of income.

6. Supported Countries

Xcoins supports 167 different countries, however is not specific about which countries this includes. According to its FAQ section, the company undertakes risk assessments on a country-by-country basis, based on their anti-money laundering (AML) requirements and other factors.

If you would like to confirm whether or not your country is supported, you will need to contact customer support directly.

7. Customer Support and Reviews

Xcoins has a fantastic FAQ section, which is easy to navigate. It appears to answer almost any question you may have in immense detail, which I personally found very helpful. They also have one-on-one chat support which was extremely quick in responding to a query I had – very impressive.

User reviews for the platform are somewhat difficult to find, perhaps due to the smaller-scale nature of the exchange vs other exchange giants. User feedback on appears to show that the service is reliable with good customer service, however could benefit from making some fixes to user experience.

The most common complaints involved users having to re-submit identity verification information each time they make a purchase, as well as some minor website design inconveniences.

8. Conclusion

Xcoins is a basic service that is designed to make it easy for customers around the world to purchase the most popular cryptocurrencies instantly using their bank card. It achieves this well, with a simple user interface and quick delivery of coins upon making a purchase.

Fees are somewhat high and the selection of assets is small, however the service is excellent for its speed and convenience. Customer support also appears to be very helpful, with a rapid online chat help service.

Xcoins is probably best-suited for users who want to make quick and small crypto purchases. Users who are buying larger amounts of coins may prefer to use a more major exchange with lower fees.









Ease of use



  • Easy way to instantly buy crypto
  • Also accepts SEPA and Faster Payments
  • No KYC for buys under $150


  • High fees
  • Small range of available assets

Having delved into futures trading in the past, my intrigue in financial, economic, and political affairs eventually led me to a striking realization: the current debt-based fiat system is fundamentally flawed. This revelation prompted me to explore alternative avenues, including investments in gold and, since early 2013, Bitcoin. While not extensively tech-savvy, I've immersed myself in Bitcoin through dedicated study, persistent questioning, hands-on experience with ecommerce and marketing ventures, and my stint as a journalist. Writing has always been a passion of mine, and presently, I'm focused on crafting informative guides to shed light on the myriad advantages of Bitcoin, aiming to empower others to navigate the dynamic realm of digital currencies.

View all Posts by Alexander Reed

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66 comments on “Xcoins Review”

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  1. Xcoins funciona de verdad para latinoamerica a sido genial ademas la plataforma da garantia que se obtengan los bitcoins .
    **affiliate link removed**

    1. Hi Michael,

      Well, I see on their site that they claim to be the largest peer-to-peer Bitcoin exchange on the web. That is blatantly false, as LocalBitcoins is the biggest P2P exchange by far, followed by Paxful. I’ve never heard of and I doubt they’ve been around since 2013 as they claim – a search for their domain turned up no results.

      Based on these lies on their home page, I’d recommend that you avoid them. Marketing is one thing but blatant falsehood does not give me any confidence in their service.

  2. As a lender Xcoins is one of the smartest safest businesses you can run. The only thing is when you’re lending most of the time people don’t pay the entire loan amount you request, so you are left with a balance. So you have to always have bitcoin on hand and the money to buy it if you want to turn your lending into residual income. But it’s a great site. Really good site to use

  3. On the morning of March 28th, 2018 (this morning), I decided to purchase bitcoin. I found Xcoins website and signed up. I’m new to the world of BTC, so I only purchased $20.00 worth of the coin in order to test the waters. I was asked to submit a photo of myself, while holding my license and a note with Xcoins and the date written on it. After doing this, I went to work. While there, I checked my email and noticed that Xcoins wanted me to send all of this again. I did so. Long story short, my verification was denied. I went back and forth with someone on a support ticket and even someone through Facebook Messenger. I even took another photo of me and my license, along with a screenshot of my paypal account to show that I am, in fact, me. Their reponse? “…I have personally looked into it, and it is very obvious that a few pieces of information do not belong to you.”.

    So let’s lay this out. I provided the phone number belonging me, I used a PayPal account that belongs to me, I showed my face holding my license and chatted with them using my Facebook account. I’m starting to see a pattern here. I used only my own information, but they are persistent in telling me that I didn’t. I told them that something is not adding up and when I asked what information I provided that doesn’t belong to me, they informed me that “I am sorry but that was all the information I can provide.”. Not the most helpful of statements. It makes me wonder if someone else is using my identity, but I won’t find out with any clues from Xcoins.

    1. Hi Jason,

      Well, sorry to hear about your frustrating experience with Xcoins but thanks for sharing the info. It seems like an expensive and troublesome way to get bitcoins, especially if the verification fails.

      I suggest you try an alternative method. For a $20 test amount, I would suggest buying from a Bitcoin ATM if you have one near to you. See our Buying Guides section for more hints.

      If you suspect your identity may have been stolen, try searching for your emails on this site:

      That’ll tell you if your email address and perhaps associated personal info has been sold by hackers who ripped it from a breached site.

    2. Patrick Maher

      I am terribly sorry that you had a sub par experience with our service. The information you provided us was flagged by one of our third party verification services for fraudulent data. For security reasons we cannot say exactly which piece of information was flagged. We have a comprehensive verification process in order to prevent any fraudulent users from defrauding our customers. Sorry for the inconvenience.

  4. note: your captcha is broken in Chrome.

    Ive been lending on xcoins for a long time, and before that I was a regular purchaser of btc through their platform. Not once had a hiccup as a buyer, and only issues as a lender have been with paypal. As for them stealing money – I dont know what you need to do to be qualified by the staff as a target, but I’ve had thousands in btc come, go, and also sit in my xcoins wallet without a penny go unaccounted for when I do my books.

    I havent done anything through them for a few months due to other obligations (and paypal making things difficult as a lender) but I remain an active member in the xcoins community and am looking forward to the future with them. Just my two cents.

  5. Unlike some other people here I’ve had quite a positive experience using xCoins to lend bitcoin. You can make money passively with the site if you have bitcoins you are willing to lend.

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