Xcoins.com is a service that allows users to quickly buy cryptocurrency using a debit or credit card, promising to provide their coins within 15 minutes after payment approval. In this Xoins review, I will discuss the platform’s features, fees, and other key details you should consider before registering.
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.
Key Takeaways
- Xcoins allows users to buy cryptocurrencies instantly using debit/credit cards, SEPA, Faster Payments, and Interac.
- Transactions are processed quickly, with users receiving their crypto within 15 minutes after payment approval.
- The platform supports a limited number of cryptocurrencies, including BTC, ETH, XRP, LTC, BCH, and DOGE.
- Xcoins is licensed under the Malta Financial Services Authority, ensuring regulatory compliance.
- Users must provide their own crypto wallet, as Xcoins is a non-custodial service and does not hold funds.
- The fees are relatively high, with a 4-6% purchase fee plus a 3.9% processing fee for card transactions.
- Basic verification allows purchases up to $150, while full verification increases limits to $10,000 per day and $25,000 per month.
- The platform is available in 167 countries, but availability may vary based on regional risk assessments.
- Customer support includes a detailed FAQ section and live chat assistance with fast response times.
What Is Xcoins?
Xcoins is a cryptocurrency exchange platform that facilitates buying and selling a number of coins and tokens quickly and safely using several payment methods, such as debit and credit cards, Apple Pay, Google Py and SEPA transfers. The site is mainly known for its rapid processing of transactions, which means that users can receive their cryptocurrency of choice in 15 minutes or less. With an accessible interface and simple instructions, the platform allows users to negotiate the crypto buying and selling procedure painlessly, from registration to the actual carrying out of transactions. Equipped with a license by the Malta Financial Services Authority and strictly abiding by regulations, it presents a trustworthy environment for cryptocurrency transactions. It serves in excess of 300,000 clients and is well rated by users.
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.
Xcoins Services
Instant Crypto Purchases
Xcoins’ main service is enabling quick crypto purchases with a debit or credit card. The platform has a straightforward and user-friendly interface, making it great for beginners. It eliminates the need to deal with complicated exchange features like candlestick charts or order books, making it a convenient choice for users at any experience level. 
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.
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.
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.
Buying Limits
As of now, Xcoins says you can buy up to $150 in crypto without needing to verify your identity (though you must still provide your name, email address, and phone number). For purchases above this amount, users will have to confirm their identity with extra documents, 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.
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.
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 Reviews.io 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.
Xcoins Review: Xcoins Pros and Cons
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.
FAQs – XCoins Review
What is XCoins?
Which Cryptocurrencies Can I Trade on XCoins?
What Documents Are Required to Verify My Identity?
What Fees Does XCoins Charge?
Is Your Cryptocurrency Safe with XCoins?
xCoins
Pros
- Easy way to instantly buy crypto
- Also accepts SEPA and Faster Payments
- No KYC for buys under $150
Cons
- High fees
- Small range of available assets
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