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X-Capital exchanger

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Status: unavailable Reviews: 5
Age: 4 years Financial claims: 01
On BestChange: 2 years 5 months Exchange rates:
Country:
San Marino
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When creating a financial claim, please make sure that the exchange regulations specified on the website X-Capital have been violated and that you haven't received funds for the order. Please note that the claim may be turned down in the following cases:

  1. The regulated exchange period has not expired yet.
  2. The exchanger's regulations were violated. For example, the incoming transaction did not pass the AML check.

Be sure to indicate the exchange order number. It will help the X-Capital administrator resolve the problem more quickly.

If you didn't like the X-Capital's service and want to write about it, use the Comment review type.

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Add a comment:
Tatyana T. 51.158.195.* January 28, 2026 09:59
The review is being checked by the monitor's administration
The money did not arrive in the account.

My husband and I tried to make a transfer through the X-Capital exchanger: to transfer rubles from VTB Bank to a Bitcoin account. We transferred 5,000 rubles. We made the payment using the QR code provided by the exchanger. The payment went through, but nothing was credited on the exchanger's website.
Support asked us for a payment receipt, which we provided. But they said that they still couldn't see our payment and couldn't confirm it. A couple of days later, when we contacted them again, they said that the bank had allegedly not confirmed the payment either. And for some reason, they asked us for a bank statement.
At the same time, support itself does not know what kind of statement they need. When I asked what kind of statement they needed: for a certain period or specifically for the payment, support did not respond for a couple of days, and then wrote: “Well.., send both.”
The app for this particular bank does not allow you to get a full statement online. To do this, I had to go to the nearest branch in the neighboring city. At the bank, they told me that the payment had gone through and that all the details were listed on the receipt. Fraudsters may ask for more detailed account information.
In the end, the money from the exchange office never arrived, and they insist that the payment allegedly did not go through. I never had such problems with any other exchange offices I used before. And the payment receipts with all the details were always sufficient: where and to whom the money went, at what time, when, and exactly how much.
I do not recommend using this exchanger. You may *** your money just like we did.
Expand (1)
X-Capital admin January 28, 2026 10:24
Hello Tatyana T.,
Thank you for your contact and for the detailed description of the situation. We understand your concern and regret that the exchange process caused you negative emotions. Below we consider it necessary to explain in detail the procedure of the exchange office and the reasons why a bank statement is required in this situation.

The fact of receipt of funds At the moment, the funds on your application have not actually been credited to the current account of the exchange office. Crediting of funds is confirmed not by a payment receipt, but by the recipient’s bank statement. Without the fact of enrollment, we, unfortunately, do not have the technical or legal opportunity to perform the exchange.

The difference between a receipt and a statement The payment receipt only confirms that you have initiated the payment in your bank. However, it is not a confirmation of the completion of the transfer. Bank statement only:

Confirms the payment status (executed / rejected / returned);

Contains a unique transaction identifier;

Allows the recipient bank and the payment provider to check and search for the payment.

It is for this reason that the support service requested a statement from you - this is a standard and mandatory procedure in case of non-receipt of funds.

Request for statements for the period and for the operation The request for two types of statements (for the period and for a specific operation) is due to the requirements of payment providers and bank compliance. Different statement formats may contain a different amount of data required for interbank reconciliation. This is not a sign of uncertainty or bad faith on the part of the exchange office.

Security and «fraudulent requests» The bank statement request does not provide access to your account, does not allow you to make any transactions and does not violate security. The following documents are regularly requested:

Banks,

Payment systems,

Exchange services In cases where confirmation of the movement of funds is required.

Bank position The message of the bank employee that «payment went through» means that the transaction was sent by the sending bank. This is not equivalent to the fact of crediting funds to the recipient. In practice, it is not uncommon for the payment:

Hangs on the side of the correspondent bank;

Returned to the sender;

Has the status «executed», but is not actually enrolled.

No intent or withholding of funds The exchange office does not withhold and cannot withhold funds that have not actually been received. We are interested in resolving the situation as soon as possible and fulfilling obligations to the client, but this is possible only after documentary confirmation of the crediting of funds or their status.

At the moment, the exchange has not been made solely due to the lack of receipt of funds to the exchange office’s account. For further proceedings and possible search for payment, a bank statement confirming the status of the transaction is required. It is impossible to confirm the payment without this document.

We are still ready to consider your situation and provide assistance within the framework of the regulations as soon as the relevant extract is provided.

Sincerely, Support service X-Capital
Claim solved
3
CommentRemove
User 37.48.0.* May 20, 2025 18:35
Transfer was processed in fastest time here, out of all transactions I have ever done. Nice and smooth.
Expand (1)
X-Capital admin May 20, 2025 18:45
Hello dear customer,
Thank you for using our service
0
CommentRemove
˸õà 151.106.63.* December 3, 2024 12:03
I made the exchange literally in 5-10 minutes, the support is on top, I can only recommend it to everyone, in general I received a good exchange rate.
Expand (1)
X-Capital admin December 3, 2024 16:50
Hello,
Thank you for using our service!
0
CommentRemove
Oleg 176.59.164.* November 22, 2024 19:21
We made a quick exchange, a good rate, I recommend it.
Expand (1)
X-Capital admin November 23, 2024 08:53
Hello Oleg,
Thank you for using our service!
0
CommentRemove
Vadim 109.184.142.* September 29, 2024 17:29
Intuitive design, I like it.
Expand (1)
X-Capital admin September 30, 2024 10:35
Hello Vadim,
Thank you for using our service!
0
CommentRemove
Aleksandr 104.28.130.* June 4, 2024 15:30
Fast and easy. Recommend.
Expand (1)
X-Capital admin June 4, 2024 17:38
Hello Aleksandr,
Thank you for using our service!
0
CommentRemove



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