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Buy. Hold. Sell.
One app.

The Xcoins Wallet, a Cash Account, and your bank, together in one place. Download, verify once, and you're set.

Licensed. Operating since 2016, used in 100+ countries.

The Xcoins app home screen showing a portfolio balance and crypto assets

Available in the United States and Europe. More regions to follow.

Inside the app

Everything in one place.

Hold your crypto on Xcoins.

Every coin gets its own wallet. Balances update in real time, with the live price and 24-hour change right there.

  • Buy into a wallet, or deposit from one you already have
  • Withdraw to your own wallet whenever you want, with address whitelisting
  • Custody through Zero Hash's regulated infrastructure
The Xcoins app showing crypto wallet balances

The USD Cash Account.

Load dollars once, then buy from your balance. Buying this way has lower payment processing fees than card — the cheapest way to buy on Xcoins.

  • Balance on the home screen, with a show/hide toggle
  • One-tap top-up and withdraw
  • Sell proceeds land here too
The Xcoins app USD Cash Account screen

Link your bank.

Connect a US bank account and move money in and out by ACH transfer. Deposits from $10 to $10,000.

  • Works with major US banks — Chase, Bank of America, Wells Fargo and more
  • Link more than one account
  • Withdraw back to your bank from $10
Linking a US bank account in the Xcoins app

Sell when you want.

Sell from your Xcoins Wallet at the live market price. The money lands in your Cash Account. Sell part of a wallet, or all of it with one tap.

  • Sell any amount, or tap Max
  • Fees shown before you confirm
  • Proceeds settle as USD in your Cash Account
Selling crypto in the Xcoins app

The boring part: security.

Phone verification to log in, Face ID or Touch ID after that. One tap hides every balance on screen. Crypto is held through Zero Hash's regulated custody.

  • Biometric login after the first sign-in
  • Withdrawal address whitelisting
  • Authorised by the MFSA as a Crypto-Asset Service Provider under MiCA
Security and verification settings in the Xcoins app
Getting started

Three steps. Then you’re in.

STEP 1

Download

App Store or Google Play. Free.

STEP 2

Verify once

Email, phone, ID. Yes, it's mildly annoying. It's also why we're licensed.

STEP 3

Buy your first crypto

Pay by card, or top up your Cash Account and buy from balance. Fees shown before you confirm.

MiCA Licensed in Europe. Trusted since 2016, used in 100+ countries.

Xcoins is authorised by the Malta Financial Services Authority as a Crypto-Asset Service Provider (CASP) under MiCA. Rates are for information only and are not an offer or investment advice. Crypto prices are volatile, and the value of what you hold can go down as well as up.

What people say

Don’t take our word for it.

Max 06.08.2026
5.0

I have really enjoyed the Services Xcoins provide. Top notch compared to MoonPay, Topperpay, Binance, Uphold, Gemini, Xpay, and Coinbase. KYC was simple once approve everything has been amazing. I have only done Debit Card purchase not Credit Cards. I do not know if Credit Cards purchase will go through. Topperpay had a horrible experience with them. I don't reconmend them even after KYC a few transactions they just cancel your account not telling you why. Thank you XCOINS.. I hope your Company stay the same as you grow. I will continue to use your Platform for Crypto Purchase and I like the fee reduction levels, genius.

Susanne 02.06.2026
5.0

It was very good

Sharon 04.06.2026
5.0

It’s great and easily making my purchase with Xcoins but please can you lower the charges from the sender and recipient wallet address . Thank you

Tracee-Ann 05.04.2026
4.0

I absolutely Love your multi- level verification process.. it definitely helps me feel secure

Ilya 04.06.2026
5.0

Super Fast! Great Service!

Carolina 04.04.2026
5.0

The Xcoins app is easy to use.

Rated 4.7 / 5 on · Based on 969+ reviews
Questions

Before you download

The United States and Europe, on iOS and Android. More regions later.
Buy crypto, hold it in your Xcoins Wallet, sell it to your Cash Account, and deposit or withdraw crypto to your own wallet. You can also link a US bank account and move money in and out by ACH transfer.
Link a US bank account and top up your Cash Account by ACH, from $10 to $10,000 per deposit. Or pay by card when you buy.
Through Zero Hash's regulated custody. You log in with phone verification and biometrics, and you can withdraw to your own wallet at any time.
The app is free. Fees are shown in full before you confirm any transaction.

Get the Xcoins App

Download, verify once, and you're set. Your call.

Scan to download

iOS & Android

Crypto, condensed. The bits that matter.

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