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xe.com
Xe Money Transfer
Xe Money Transfer sends money internationally for individuals and businesses. It covers more than 190 countries and over 130 currencies. The plan has no subscription charge, while individual transfers may incur costs based on currency, destination and payment method. Applicable charges appear…
- 9.1 No. 2on Money transfer apps
- Free planprice, as published
- Oct 5, 2026read on
What Xe Money Transfer costs
- Xe Money Transfer Free
The plan itself is free, but individual transfers may have fees. The charge depends on currency, destination and payment method, and applicable fees appear before confirmation. Its exchange-rate model uses a markup.
As xe.com publishes them, read Oct 5, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Exchange rate
- A markup on the rateas stated, Oct 5, 2026
- Fee shown before you pay
- Yes
- How fast it lands
- Transfer timing depends on currency, destination, and…
- Free plan
- Yes
- Free trial
- No
- Runs on
- iPhone Android Web
- Facts on record
- 22
Rate with a markupFee shown before you pay
Strengths and limits
Strengths
- Fees shown before transfer confirmation
- Supports over 190 countries and 130 currencies
- iOS, Android and web access
- Tracking, rate alerts and scheduled transfers
- Several payment and receiving methods
Limits
- Some transfers carry a route-dependent fee
- Rates use a markup
- Online caps are set by region
- Payment methods and recipient options vary
- Document checks may apply
What Xe Money Transfer does
Xe Money Transfer sends funds internationally for individuals and businesses. Its service reaches more than 190 countries and supports over 130 currencies.
Recipients can receive funds through bank deposit, cash pickup or mobile wallet where those options are available. Listed transfer speed is instant.
Fees and plans
The Xe Money Transfer plan is free. There is no free trial. Individual transfer costs can depend on the currency, destination and payment method.
Xe uses an exchange-rate markup. Transfer charges vary, and applicable fees appear before you confirm a transfer.
Customers may pay by direct debit (ACH), wire transfer, or debit or credit card, subject to availability. The selected method can affect the amount you can send.
Where it runs
Xe offers a web service and mobile apps for iOS and Android.
Its phone app handles transfers, currency conversion, live exchange rates and transfer tracking. Users can also set an alert for a chosen exchange rate, and scheduled transfers are available.
Protection, as Xe describes it
Transfer protection includes encryption, multi-factor authentication, identity verification and fraud monitoring.
Xe is globally regulated and complies with privacy regulations including GDPR and CCPA.
Identity checks can include document requests, with the required documents varying by country. Customers can contact support through the app, and support is available 24/5.
Strengths
Fees are displayed before confirmation, so the charge for a specific transfer is visible before it is sent.
The service combines transfers with live rates, currency conversion, tracking, scheduled transfers and rate alerts.
Xe offers several ways to pay and receive money, subject to availability.
Catches and conditions
A free plan does not mean every transfer is free. Charges depend on the currency, destination and payment method, while the exchange rate uses a markup.
Online transfer caps are determined by region. The payment method may impose another limit, so the amount available for a transfer can vary.
Recipient options, payment methods and identity-document requirements differ by country. Check these details for the route you need.
Who may want another service
People who need one predictable fee for every route or an exchange rate without markup may prefer another service.
Verdict
Xe suits users who want international transfers across a broad country and currency range, with the applicable charge shown before confirmation. Its mobile apps add rate alerts, conversion tools and tracking, while web access and scheduled transfers cover routine use.
It may not fit someone who needs one predictable fee for every route, because pricing changes with currency, destination and payment method. Regional limits, route availability, identity checks and the exchange-rate markup all affect the final transfer.
Who it suits
Pick it if
- International transfers with upfront route pricing
- Users wanting app-based tracking and rate alerts
- People sending across many countries and currencies
Skip it if
- You need one flat fee for every transfer route
- You want an exchange rate with no markup
- Your route requires a payment or pickup method not available there
Facts we read
- Exchange-rate modelmarkup · xe.com, Sep 22, 2026
- Upfront fee displayYes · xe.com, Sep 22, 2026
- Founded1993 · xe.com, Sep 28, 2026
- Free planYes · xe.com, Sep 22, 2026
- HeadquartersNewmarket, Ontario, Canada · xe.com, Sep 28, 2026
- Identity verificationXe may require identity documents, and the required documents vary by country. · xe.com, Oct 5, 2026
- Mobile appsThe Xe app is available for iOS and Android and includes money transfers, currency conversion, live exchange rates, and transfer tracking. · xe.com, Oct 5, 2026
- Mobile platformsboth · xe.com, Sep 22, 2026
- Online limitsXe sets per-transfer online limits by region and says the payment method may also limit how much can be sent. · xe.com, Oct 5, 2026
- PricingTransfer fees vary by currency, destination, and payment method, and applicable fees are shown before confirmation. · xe.com, Oct 5, 2026
- Rate alertsThe app can notify users when a chosen exchange rate is reached. · xe.com, Oct 5, 2026
- Regulation and privacyXe says it is globally regulated and complies with privacy regulations including GDPR and CCPA. · xe.com, Oct 5, 2026
- Scheduled transfersYes · xe.com, Sep 22, 2026
- SecurityXe says it uses encryption, multi-factor authentication, identity verification, and fraud monitoring to protect transfers. · xe.com, Oct 5, 2026
On these lists
Use instead
Questions
Is Xe Money Transfer free?
The Xe Money Transfer plan is free. A particular transfer can still incur a cost based on currency, destination and payment method.
How does Xe set its transfer fee?
Fees vary by currency, destination and payment method. Any applicable charge is shown before you confirm the transfer.
Does Xe add an exchange-rate markup?
Yes. The published pricing model uses an exchange-rate markup.
Where can Xe send money?
It serves more than 190 countries and over 130 currencies. Availability depends on the route.
Which devices support Xe?
Xe runs on the web and has apps for iOS and Android. The apps include transfers, conversion, live rates and tracking.
How can recipients receive Xe transfers?
Depending on the route, funds can go to a bank account, a cash-pickup location or a mobile wallet.
Can Xe limit how much I send?
Yes. Xe sets online per-transfer limits by region, and the payment method may set another limit.
What identity checks might Xe require?
Xe can ask for identity documents, and the required documents differ by country.
Is Xe Money Transfer yours?
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