What a shame.
They are forcing every single user to use their mobile app for transfers of balances now.
For somebody like me who was using Google Authenticator for authentication, this new requirement means that we cannot access our funds anymore.
(I had to use Google Authenticator because my phone number was incompatible with Xapo's system.)
Their customer support was totally unresponsive until I threatened to file a police report against their U.S. branch.
You can find similar horror stories on Xapo's Facebook page.
I just cannot believe they thought they could bulldoze serious user complaints like this.
I would imagine they lost a lot of customers now after their card issuer blocked Xapo Debit Cards with non-EU addresses and wants to prevent further withdrawals of funds.
I would never use their service again after I get my money back.