Yes, I use it in Brazil and I really like their services and I like that they are pro bitcoin and implemented lightning and https://www.uma.me/.

I always recommend these to bitcoiners that still needs a bank account. Better have a bank account in a pro bitcoin bank than in a bank that hate bitcoin, haha.

The people in Xapo are very serious, the app is very good, they have a lot of bitcoin in balance sheet, they are a narrow bank and their chairman is Wences Casares, someone that I really trust.

If you need a referral code to open a Xapo account, use mine, you win 42 dollars in sats in the first year. Code: URT-BSN-KF