I have been using Xapo for some time now. The main reason I use them is because I can add funds (USD) using Neteller and then buy bitcoins.

As I out of SEPA Area (EU) I don't have a Neteller card and this is the easiest way to withdraw money from there.

In my experience what the author said is only partially true.

1. I never did a wire transfer to them, but, my Neteller deposits are processed instantly.

2. Buy bitcoins using USD (after the money is there) is done instantly as well (it's called transfer from 'USD pocket' to 'BTC pocket')

3. Withdrawing BTCs is a bit trickier... They allow you to choose the fee (next block or next six blocks), what is good, but... sometimes, with transfers bigger than 0.05 BTC, it gets blocked until their security team check if everything is fine. This can take some time. I had one transfer that took 2 days to be validated by their team one month ago, but today I transferred to 0.1 BTC to my external wallet and, after it got blocked to verification, they reviewed it under 30 minutes.

Yes, I get anxious as well, specially when I want to sell those BTCs on my local exchange (I'm in South America), but still the best and safest way I could find to buy BTC using Neteller.