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How do I invite someone to share access to a spending account or Vault?

All of your spending accounts and Vaults are enabled with Xapo's multi-user access feature, meaning you can easily and securely share any of your accounts to be accessed between multiple Xapo users. This feature is a convenient way for employees, family members, or friends can access a shared pool of funds.

Once you invite someone to share access to your account, you will be able to set their access levels, such as who has administrative powers, who can initiate transfer and payments, or who is required to approve transactions. You can always adjust permission settings after you initially set them, as well as remove users altogether.

You can invite someone to a shared account using the Xapo app (Android or iPhone) or a web browser.

Select an option to continue:

How to invite someone to a shared account using the Xapo app (Android)

1. Open the Xapo app and log in to your account.

  • Select the My Money tab.
  • Select the account you would like to share access for for by toggling the account name at the top.
If you do not have multiple accounts, you can proceed to step 2.

2. Tap at the top-right corner to open your menu.

  • Select Account settings to proceed.
  • On the next screen, tap Share Account.

3. Either select a contact from your contacts list or send an invite to a phone number or email address.

a. My contacts

  • Select a contact from your list.

If this is your first time using this feature, you will be prompted to unlock your contacts list. Any users who already have a Xapo account will automatically appear in your Xapo contacts list.

b. Phone or email

  • Select the Phone or email tab.
  • Enter the phone number (including the country and area code) or email address.
  • Tap Send invite to continue.

If you send an invite to someone who does not have a Xapo account, a message will automatically be sent to them to create an account.

4. Set permissions levels for the invited user.

  • You can toggle the following on/off:
    • Admin: User will be able to add and remove users from the shared account, as well as adjust permission levels.
    • Transfer: User will be able to initiate outgoing transactions.
    • Approve: User will be required to approve all transactions.
  • Tap Save to continue.
As a note, if there are multiple users with 'Approve' permissions on, a transaction will require the approval of all of them.

5. Review your invite details.

  • Once you have verified that everything is correct, tap Confirm to continue.
  • On the next screen, enter your 4-digit PIN to complete the process.

How to invite someone to a shared account using the Xapo app (iPhone)

1. Open the Xapo app and log in to your account.

  • Select the My Money tab.
  • Select the account you would like to share access for for by toggling the account name at the top.
If you do not have multiple accounts, you can proceed to step 2.

2. Tap at the top-right corner to open your menu.

  • Select Account settings to proceed.
  • On the next screen, tap Share Account.

3. Either select a contact from your contacts list or send an invite to a phone number or email address.

a. My contacts

  • Select a contact from your list.

If this is your first time using this feature, you will be prompted to unlock your contacts list. Any users who already have a Xapo account will automatically appear in your Xapo contacts list.

b. Phone or email

  • Select the Phone or email tab.
  • Enter the phone number (including the country and area code) or email address.
  • Tap Send invite to continue.

If you send an invite to someone who does not have a Xapo account, a message will automatically be sent to them to create an account.

4. Set permissions levels for the invited user.

  • You can toggle the following on/off:
    • Admin: User will be able to add and remove users from the shared account, as well as adjust permission levels.
    • Transfer: User will be able to initiate outgoing transactions.
    • Approve: User will be required to approve all transactions.
  • Tap Save to continue.
As a note, if there are multiple users with 'Approve' permissions on, a transaction will require the approval of all of them.

5. Review your invite details.

  • Once you have verified that everything is correct, tap Confirm to continue.
  • On the next screen, enter your 4-digit PIN to complete the process.

How to invite someone to a shared account using a web browser

1. Log in to your Xapo account.

  • Select the My Money tab.
  • Select the account you would like to share access for for by toggling the account name to the right of your screen.
If you do not have multiple accounts, you can proceed to step 2.

2. Once you have selected the correct account, click 'Settings'.

  • Click Share Account.

3. Either select a contact from your contacts list, send an invite to an email address, or send an invite to a phone number.

a. My contacts
  • Select a contact from your list.
b. Email or phone
  • Select the Email or Mobile number tab.
  • Enter the email address or phone number (including the country and area code).

If you send an invite to someone who does not have a Xapo account, a message will automatically be sent to them to create an account.

4. Set permissions levels for the invited user.

  • You can toggle the following on/off:
    • Admin: User will be able to add and remove users from the shared account, as well as adjust permission levels.
    • Transfer: User will be able to initiate outgoing transactions.
    • Approve: User will be required to approve all transactions.
  • Click Send Invite to continue.
As a note, if there are multiple users with 'Approve' permissions on, a transaction will require the approval of all of them.

5. Approve the invite on your mobile device.

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