Yes, I have and is great. The opinions on playstore are bad because before became a bank, xapo gave a deadline to people withdraw the funds and many didn't. So after the deadline, the kyc to withdraw the funds needs passaport and many people didn't like it.
If you open an account in Xapo, use my referral code, we both win 30 dollars in sats.
Code: URT-BSN-KF
Thanks.