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How do I exchange my money for a different currency?

As all accounts with Xapo are enabled with multi-currency functionality, once you have added money to your account with the currency of your choice, you can exchange the balance of your global currency (i.e. USD or EUR) for any other currency in the world (i.e. ARG or GBP). Exchanges within your account are always free of charge and effective instantly!

In addition to being able to access every global currency, you can also exchange your money for bitcoin.

You can exchange your money for a different currency using the Xapo app (Android or iPhone) or a web browser.

Select an option to continue:

How to exchange your money for a different currency using the Xapo app (Android)

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

  • Select the Account tab.
  • Tap Exchange at the top of your screen.

2. Select the balance of the currency you would like to exchange.

  • By tapping on the currency under I have, you can toggle between balances you currently hold funds in.
  • Next, select the currency you would like to exchange for by tapping on the currency under I want.
  • You will be able to view the following:
    • The current exchange rate
    • The current balance you hold of each currency

3. Enter the amount you would like to exchange.

  • You can enter the amount you would like to exchange next to I have, and the amount credited to your balance will display next to I want.
  • Alternatively, you can enter the amount you would like to exchange for next to I want, and the amount debited from your balance will display next to I have.
  • Tap Next to continue.

4. Review your transaction details.

  • You will be able to view the following:
    • Credited to: The amount and currency you are exchanging for.
    • Debited from: The amount and currency you will be exchanging.
    • Exchange: The current exchange rate for these currencies.
  • Once you are ready, tap Confirm to proceed to the confirmation page.

Please note that you will have 40 seconds to confirm this transaction. If no action is made within that time, the transaction will automatically be canceled and the exchange rate will be updated.

How to exchange your money for a different currency using the Xapo app (iPhone)

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

  • Select the Account tab.
  • Tap Exchange at the top of your screen.

2. Select the balance of the currency you would like to exchange.

  • By tapping on the currency under I have, you can toggle between balances you currently hold funds in.
  • Next, select the currency you would like to exchange for by tapping on the currency under I want.
  • You will be able to view the following:
    • The current exchange rate
    • The current balance you hold of each currency

3. Enter the amount you would like to exchange.

  • You can enter the amount you would like to exchange next to I have, and the amount credited to your balance will display next to I want.
  • Alternatively, you can enter the amount you would like to exchange for next to I want, and the amount debited from your balance will display next to I have.
  • Tap Next to continue.

4. Review your transaction details.

  • You will be able to view the following:
    • Credited to: The amount and currency you are exchanging for.
    • Debited from: The amount and currency you will be exchanging.
    • Exchange: The current exchange rate for these currencies.
  • Once you are ready, tap Confirm to proceed to the confirmation page.

Please note that you will have 40 seconds to confirm this transaction. If no action is made within that time, the transaction will automatically be canceled and the exchange rate will be updated.

How to exchange your money for a different currency using a web browser

1. Log in to your Xapo account.

  • Select the Account tab.
  • Click Exchange at the top of your screen.

2. Select the balance of the currency you would like to exchange.

  • By clicking on the currency under I have, you can toggle between balances you currently hold funds in.
  • Next, select the currency you would like to exchange for by tapping on the currency under I want.
  • You will be able to view the following:
    • The current exchange rate
    • The current balance you hold of each currency

3. Enter the amount you would like to exchange.

  • You can enter the amount you would like to exchange next to I have, and the amount credited to your balance will display next to I want.
  • Alternatively, you can enter the amount you would like to exchange for next to I want, and the amount debited from your balance will display next to I have.
  • Click Next to continue.

4. Review your transaction details.

  • You will be able to view the following:
    • Credit: The amount and currency you are exchanging for.
    • Debit from: The amount and currency you will be exchanging.
    • Exchange rate: The current exchange rate for these currencies.
  • Once you are ready, click Next to initiate your order.

5. Confirm your transaction on the Xapo app.

  • Transactions initiated on a web browser require approval on your mobile app. A notification will be sent to your phone to confirm the transaction.
  • For exchanges, you have 40 seconds to approve this transaction before the rate expires and is automatically canceled.
  • If you have not received the notification, you can click Send again.
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