Xe international money transfer: Fees, limits, and rates

Xe is a popular international money transfer service that helps people in the US send money abroad quickly and securely. You can use it for personal and business payments to recipients in 190+ countries across 130+ different currencies.¹

If you're considering sending money with Xe, you likely have questions. What are the Xe international money transfer fees? How quickly will your transfer arrive? Can you use your credit card? Here's everything you need to know about Xe international money transfers.

We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.

Learn more 🔎

Table of contents

Can I make an international wire transfer with Xe? How much does Xe charge for international transfers? Xe exchange rates Make fast, secure, and low-cost international transfers with Wise How do you make an Xe international money transfer? What information do I need to make an international transfer? How long does an international money transfer with Xe take? What is the transfer limit for Xe? Xe money transfer FAQs

Can I make an international wire transfer with Xe?

Yes, you can send international money transfers with Xe using a few different convenient payment methods:¹

• Direct debit ACH: Xe pulls money straight from your checking or savings account; this is usually the cheapest way to fund your transfer

• Wire transfer: You send money from your bank to Xe first, then they forward it to your recipient; most wire transfers reach Xe within a day

• Debit or credit card: You'll pay a bit extra compared to bank transfers, but this is usually the quickest funding method

Your recipient can receive the money directly into their bank account, through a mobile wallet, or via cash pickup at designated locations.¹

To get started with Xe, all you need is to open an account. While Xe serves customers worldwide, account registration is currently limited only to residents of certain countries.

Here's the Xe money transfer country list:

Region	Countries²
North America	United States Canada
Oceania	Australia New Zealand
Europe	Austria Belgium Bulgaria Croatia Cyprus Czechia Denmark Estonia Finland France Germany Gibraltar Greece Guernsey Hungary Ireland Isle of Man Italy Jersey Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Romania Slovakia Spain Sweden United Kingdom

As a US resident, you have full access to Xe's services, including large transfers for property purchases and inheritance management.

How much does Xe charge for international transfers?

Xe doesn't have a fixed fee for international payments. Instead, you'll see how much your Xe money transfer costs when you set up your transfer with all of the necessary information.

This is because there are a few different factors that affect how much you'll pay when making an international money transfer:

• How you send money: Using a debit or credit card gets your money there fast, but you'll pay more for that speed
• How much you're sending: Bigger transfers usually mean lower fees or sometimes no fees at all
• How fast you want it: Quick transfers cost more because you're paying for express processing
• Where you're sending: Some places cost more to send to because of local banking rules, regulations, or how their financial systems work

Xe transfers come with international wire transfer fees, but sometimes the bank receiving your money will also take its cut, which will be extra.³

You should ask your recipient to check with their bank about any fees they might charge. Your recipient might get less than you sent because their bank or government takes fees that Xe can't control.

Xe exchange rates

In addition to transfer fees, Xe also charges you an exchange rate markup when you switch from USD to another currency.¹

There is a mid-market rate that banks use to trade with each other. For example, the mid-market rate for USD to MXN might be 1 USD = 18 MXN.

However, Xe won't give you the mid-market rate. They'll give you a rate with a markup, such as 1 USD = 17.5 MXN, and keep the difference as profit.

In other words, you're paying for your transfer twice: through the fee and through a less favorable exchange rate. On a large transfer, the currency exchange can cost you quite a bit.

That said, this cost isn't unique to Xe.

Most money transfer providers charge this hidden fee, which is why it's important to compare your options before deciding which company to send money with. Sometimes, a provider with higher fees might cost less overall if their exchange rate is better.

Make fast, secure, and low-cost international transfers with Wise

Send money to 140+ countries with the mid-market exchange rate and low, transparent fees with Wise. Set up a free Wise account online or in the Wise app, to transfer money fast in 40+ currencies.

Over 50% of Wise payments arrive instantly* — and all Wise transfers are deposited directly into your recipient's bank account for convenience.

No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.

Get started with Wise

*Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.

How do you make an Xe international money transfer?

Sending an Xe international money transfer is pretty straightforward. Here's how it works:¹

1. Create your account

Register with Xe for free using your email address. If you already have an account, just log in to get started. You must be a resident of an eligible country, such as the US.²

2. Request a quote

Tell Xe which currency you want to send, how much money you're transferring, and where it's going. They'll show you the exact cost and exchange rate. This is a good opportunity to compare Xe with other money transfer providers, such as Wise.

3. Enter recipient details

Add your recipient's information, including their full name and address. You'll also need their payment details, depending on how they want to receive the money.

4. Verify your identity

For certain transfers, Xe may ask you to verify who you are by providing identification documents. Generally speaking, this happens when you try to send a larger transfer.

5. Confirm your transfer

If you're satisfied with the quote Xe gave you, pay for your transfer using your preferred method (bank account, credit card, or debit card), and confirm it. Your transfer will be on its way.

6. Monitor your transfer

Track your international transfer to see when it reaches your recipient.

If you have any questions or your transfer is taking longer than expected, Xe offers live chat, phone, and email support.

What information do I need to make an international transfer?

In their international transfer instructions, Xe will let you know what information they need from you, since it can depend on your payment method and how your recipient is getting the money.

However, typically you'll need the following:

• Your recipient's full name
• Recipient's complete address
• Bank account details or mobile wallet information where they'll receive the money
• Funding source details (bank account info, debit/credit card)
• Transfer amount and currency
• SWIFT code for wire transfers

Sometimes, for international transfer regulations purposes, Xe may ask for additional information about you or your recipient. If they need anything extra to set up your transfer, they'll reach out to you.

How long does an international money transfer with Xe take?

It depends on how you pay and where you're sending money. When you start a transfer, Xe shows you expected delivery times, so you'll have an idea of what to expect.

Your transfer starts moving once Xe receives your money. Credit and debit cards are processed almost immediately, but bank transfers, direct debits, and ACH payments can take up to 2 business days to reach Xe.¹

After Xe gets your payment, they send your money to the recipient. Most transfers arrive within 1 to 3 business days, depending on where you're sending and which currency you're using.¹

💡 Learn more about international wire transfer times in our full guide.

What is the transfer limit for Xe?

Xe sets limits on individual online transfers for security purposes. These limits vary by region:

Region	Xe transfer limit⁴
US	500,000 USD (or equivalent)
UK and Europe	375,000 GBP/EUR (or equivalent)
Canada	600,000 CAD (or equivalent)
Australia and New Zealand	750,000 AUD/NZD (or equivalent)

In the US, you need to transfer at least 3,000 USD to use bank or wire transfer options.⁴

If you need to send a very large amount of money, Xe offers a large money transfer service. This helps with major transactions like buying property overseas or handling inheritance transfers. You qualify for this service if you send more than 50,000 USD annually.¹

With Wise, you can send up to 1,000,000 USD per wire transaction to 140+ countries, with the mid-market exchange rate and low, transparent fees.

🚀 Get started with Wise

Xe money transfer FAQs

---

Does Xe work in the USA?

Yes, Xe works in the USA. If you're a US resident, you can use Xe to send money to 200 countries in 100 different currencies using different payment methods, such as bank transfers, wire transfers, and credit or debit cards.¹

Is it safe to transfer money with Xe?

Xe is a safe and reliable money transfer service, and it's been operating for 30 years. It's owned by Euronet Worldwide (EEFT), a multibillion-dollar company listed on NASDAQ. The company follows strict regulatory standards in every country where it operates and uses enterprise-grade security measures to protect your transfers.¹

Xe complies with Europe's GDPR (General Data Protection Regulation), Canada's Privacy Act, and the US Privacy Act.¹

Is Xe or Wise better?

Wise is another provider that allows you to send money internationally.

Both services are fast, convenient, and secure, but Wise stands out because it doesn't add markup to exchange rates. Instead, it uses the mid-market rate and charges you a transparent fee. This can often result in better value and allow you to send more money for less.

Wise also has additional features beyond money transfers, including a multi-currency account that lets you hold and manage money in different currencies, plus a Multi-Currency Card for spending abroad.

More often than not, Wise can end up being better than Xe because they don't charge you for currency exchange.

🚀 Get started with Wise

Sources

1. Xe - Send Money
2. Xe - Can I register to send money from my country?
3. Xe - Transfer fees
4. Xe - What are the limits on how much I can send?

Sources checked 08/21/2025