1. Introduction
This manual provides essential information for the safe and effective use of your Fujifilm FinePix XP20 Digital Camera. The FinePix XP20 is a rugged 14-megapixel camera featuring a Fujinon 5x wide-angle optical zoom lens. It is designed for durability with 4-way protection: waterproof up to 16.5 feet, shockproof up to 5 feet, freezeproof down to 14°F, and dustproof. It also records 720p HD movies with sound and includes dual image stabilization.

Image 1.1: Front view of the Fujifilm FinePix XP20 Digital Camera, showcasing its orange and black rugged design with the lens and flash visible.
2. Setup
2.1 Battery and Memory Card Installation
Before first use, ensure the battery is fully charged and correctly inserted. The camera uses a Lithium-Ion battery. A compatible SD memory card (not included) is required to store photos and videos.
- Open the Battery/Card Compartment: Locate the compartment door on the side of the camera. Slide the lock mechanism and open the door.
- Insert Battery: Insert the supplied Lithium-Ion battery into the battery slot with the correct orientation, ensuring it clicks into place.
- Insert Memory Card: Insert an SD, SDHC, or SDXC memory card into the card slot until it clicks. Ensure the card is facing the correct direction.
- Close Compartment: Close the compartment door firmly and slide the lock mechanism to secure it. Important: For waterproof integrity, ensure the compartment door is completely sealed and no yellow indicator is visible on the latch.

Image 2.1: Rear view of the Fujifilm FinePix XP20, showing the LCD screen and the arrangement of control buttons for navigation and settings.
2.2 Initial Power On and Date/Time Setting
Press and hold the power button for a few seconds to turn on the camera. Upon first power-on, you may be prompted to set the date and time. Use the directional buttons to navigate and the OK button to confirm your selections.
3. Operating the Camera
3.1 Taking Photos
- Power On: Press the ON/OFF button located on the top of the camera.
- Select Mode: Use the MODE button (if available, or navigate through the menu) to select your desired shooting mode. The camera offers various modes, including a dedicated Sports mode.
- Frame Your Shot: Use the LCD monitor to compose your image.
- Zoom: Use the W (Wide) and T (Telephoto) zoom buttons to adjust the 5x optical zoom.
- Focus: Press the shutter button halfway down to focus. The camera will automatically adjust focus using contrast detection autofocus.
- Capture: Press the shutter button fully down to take the picture.

Image 3.1: Side view of the Fujifilm FinePix XP20, highlighting the ON/OFF button and the W/T zoom controls on the top edge.
3.2 Recording Videos
The FinePix XP20 can record HD movies at 720p resolution with sound.
- Start Recording: Press the dedicated movie recording button (often marked with a red dot) to begin recording.
- Stop Recording: Press the movie recording button again to stop.
3.3 Playback
To view your photos and videos, press the playback button (usually marked with a play icon). Use the directional buttons to navigate through your captured media.
3.4 Using Waterproof Features
The FinePix XP20 is designed for underwater use up to 16.5 feet. To ensure waterproof performance:
- Always ensure the battery/card compartment door is securely closed and locked before exposing the camera to water. No yellow indicator should be visible.
- Avoid opening the compartment in wet or dusty environments.
- After use in saltwater, rinse the camera thoroughly with fresh water and allow it to dry completely before opening any compartments.

Image 3.2: The Fujifilm FinePix XP20 camera covered in water droplets, demonstrating its waterproof capability.
4. Maintenance
4.1 Cleaning the Camera
- Camera Body: Wipe the camera body with a soft, damp cloth. For stubborn dirt, use a mild soap solution, then wipe with a clean, damp cloth and dry thoroughly.
- Lens: Use a lens brush or a blower to remove dust. For smudges, use a lens cleaning cloth and lens cleaning fluid. Do not use abrasive materials.
- LCD Screen: Gently wipe with a soft, dry cloth.
4.2 Battery Care
- Store batteries in a cool, dry place when not in use.
- Avoid exposing batteries to extreme temperatures.
- Charge the battery fully before extended periods of non-use.
4.3 Waterproof Seal Maintenance
Regularly inspect the rubber seals around the battery/card compartment for any dirt, sand, or damage. Clean the seals with a soft, lint-free cloth. Applying a thin layer of silicone grease or a chap-stick-like substance (as suggested by some users) to the seals can help maintain their integrity and prevent water ingress, especially after prolonged use or exposure to harsh conditions.
5. Troubleshooting
- Camera Does Not Turn On: Ensure the battery is charged and correctly inserted. Check if the battery compartment door is fully closed and locked.
- Water Leakage: If water enters the camera, immediately remove the battery and memory card. Allow the camera to dry completely. This issue is often due to improper sealing of the battery/card compartment. Always ensure no yellow indicator is showing on the latch when closed.
- Blurry Images: Check if the lens is clean. Ensure the camera is focusing correctly by pressing the shutter button halfway before fully pressing it. Use dual image stabilization in low light or when shooting moving subjects.
- Memory Card Error: Ensure the memory card is inserted correctly. Try formatting the card (this will erase all data) or using a different compatible SD card.
- Short Battery Life: Ensure the battery is fully charged. Battery performance can decrease in cold environments.
6. Specifications
| Feature | Specification |
|---|---|
| Model Name | FinePix XP20 |
| Photo Sensor Resolution | 14.2 MP |
| Optical Zoom | 5x (28 - 140mm equivalent) |
| Digital Zoom | 2x |
| Image Stabilization | Optical |
| Video Resolution | 720p HD with sound |
| Waterproof Rating | Up to 16.5 ft (5m) |
| Shockproof Rating | Up to 5 ft (1.5m) |
| Freezeproof Rating | Down to 14°F (-10°C) |
| Dustproof | Yes |
| Photo Sensor Technology | CMOS |
| Screen Size | 2.7 Inches LCD |
| Supported File Format | JPEG, RAW |
| Memory Storage | SD, SDHC, SDXC Card (not included) |
| Battery Type | Lithium Ion |
| Connectivity | USB |
| Item Weight | 1.1 Pounds |
7. Warranty and Support
For information regarding your product's warranty, please refer to the warranty card included with your purchase or visit the official Fujifilm website. For technical support, driver downloads, or service inquiries, please contact Fujifilm customer service or visit their support portal online. Keep your proof of purchase for warranty claims.





