Send Money Abroad with a Multi-Currency Account

Key takeaways

• Managing money across borders doesn’t have to be complicated — hold, convert, and send multiple currencies all in one place.

• Xe Multi-Currency Accounts give you fast, transparent transfers to 190+ countries, with no setup or monthly fees.

• With pre-funded balances and competitive exchange rates, you’re always in control of when and how you move your money. Get started by downloading the Xe app or registering online today.

Whether you’re sending money to family abroad, paying for overseas services, or managing multiple currencies for travel or work, Xe makes it simple and fast.

Living globally shouldn’t mean juggling bank accounts

If your life crosses borders, your money probably does too. Maybe you’re paying a mortgage overseas, supporting family back home, getting paid in another currency, or planning a move abroad.

Traditional banking doesn’t make that easy. Transfers can be slow, fees can add up, and you don’t always get to choose when or how your money moves.

Xe Multi-Currency Accounts are built to change that. They give you one place to hold, convert, and send multiple currencies on your terms – so your money is ready when you are.

What is a multi-currency account?

A multi-currency account lets you hold money in more than one currency at the same time. Instead of opening separate accounts in different countries, you can manage your global money from one Xe account.

With Xe, you can:

• Hold funds in major currencies like USD, EUR, GBP, AUD, NZD and CAD, plus more (up to 18 currencies in total).

• Convert between currencies inside your account.

• Send money quickly to 190+ countries when you’re ready.

All from one platform. No setup fees. No monthly fees.

Availability: Xe's Multi-Currency Accounts are currently available for users in the United States, United Kingdom, Europe, and New Zealand.

How Xe compares to traditional banks

Xe’s Multi-Currency Accounts are built for speed, control, and global reach. Here’s a quick comparison:

Compared with traditional banks or newer fintech providers, Xe stands out for its combination of trust, speed, and flexibility, making it easier to manage international money.

Why hold money in multiple currencies?

1. Move faster when life moves fast

When your account is already funded, you can send money right away.

Need to pay an invoice today? Cover rent overseas? Send money to family at short notice? Instead of waiting for a bank transfer to clear, you can use the funds you’re already holding in your Xe Multi-Currency Account.

That means:

• Less waiting: Skip the usual delays and send money instantly once your account is funded.

• Less stress: Your money is already where it needs to be – you just choose who to send it to.

2. Convert when the rates suit you

Exchange rates move all the time. If you only convert at the moment you send, you’re stuck with whatever the rate is that day.

With a multi-currency account, you can:

• Watch the market and convert when a rate works for you.

• Hold that currency in your account until you’re ready to send.

• Act quickly on exchange rate moves, instead of missing out.

You stay in control: see a rate you like, convert, hold, then send when the timing is right for you.

3. Keep global bills simple

If you have regular payments overseas, a multi-currency account can make them feel more like local payments.

Think:

• Paying rent or a mortgage in another country

• Covering tuition or school fees abroad

• Paying freelancers, suppliers, or service providers in their own currency

• Supporting family or friends with regular transfers

You can hold the currency you need ahead of time and schedule payments, so important bills are taken care of automatically.

How to get started

1. Open your account in minutes

   Create your free Xe account online or download the Xe app. There are no setup or monthly fees.

2. Add money in your home currency

   Top up in a supported currency like USD, GBP, EUR, AUD, NZD or CAD.

3. Convert inside your account

   Use Xe’s competitive exchange rates to convert into the currencies you need – all inside one account.

4. Send money when you’re ready

   Transfer to bank accounts in 190+ countries. With funds already in place, transfers can be sent instantly.

5. Use it again and again

   Keep your currencies where you need them. Top up, convert, and send as often as your life demands.

Who is a multi-currency account for?

A Multi-Currency Account is designed for people whose money doesn’t stay in one place for long.

It’s a great fit if you:

• Live, work, or study across borders

  Expats, students abroad, and frequent movers can keep key currencies in one account instead of opening multiple bank accounts.

• Support family or pay bills overseas

  If you regularly send money to another country, holding that currency in advance can save time and worry.

• Get paid internationally

  Freelancers, remote workers, and globally minded professionals can manage multiple currencies from one account.

• Move larger amounts or plan ahead

  If you’re investing, buying property, or planning a big life change, having currencies ready gives you more control.

In short: if your life is global, your money should be too.

Built in security, trust, and support

When you’re holding money in different currencies, trust matters.

With Xe, you get:

• Trusted worldwide

  Xe is proudly part of Euronet (NASDAQ: EEFT) with over 30 years of experience in global financial services. Xe helps move millions of transactions every year around the world.

• Your money protected at every step

  Customer funds are safeguarded in tier-1 banks, and Xe operates under strict local financial regulations in every market it serves.

• Your data secured with enterprise-grade technology

  Xe uses advanced encryption and fraud prevention systems to help keep your information safe, from the moment you log in to when your transfer completes.

• 24/7 human support
  Need help? Real people are ready to assist – anytime, anywhere.
  
  

FAQ

Can I open a Multi-Currency Account if I’m not in the US, UK, Europe, or New Zealand?

Currently, Xe Multi-Currency Accounts are available for users in the United States, United Kingdom, Europe, and New Zealand. Other regions will be added over time.

Which currencies can I hold?

You can hold USD, EUR, GBP, AUD, NZD, and CAD, with more options available depending on your region.

Are there any monthly fees or setup costs?

No. Opening a Multi-Currency Account is free, and there are no monthly maintenance fees.

How fast can I send money?

With pre-funded balances, you can send money instantly to over 190 countries.

Can I convert currencies whenever I want?

Yes! You control when to convert, so you can take advantage of favorable rates.

Is my money safe?

Absolutely. Xe is fully regulated, Euronet-backed, and your funds are held securely in tier-1 banks.

What if I need help?

Xe provides 24/7 human support for any questions or assistance you need.

Conclusion

International money doesn’t have to be slow, expensive, or stressful. Xe Multi-Currency Accounts give you speed, control, and simplicity, so you can manage your funds wherever you are and whenever you need.

Take control of your global payments today and see how simple sending money can be. Download the Xe app or register today.

Create your free account

Disclaimer:
The content within this blog post is for informational purposes only and is not intended to constitute financial, legal, or tax advice. All figures and data are based on publicly available sources at the time of writing and are subject to change. Actual conditions may vary depending on location, timing, and personal circumstances. We recommend consulting official government resources or a licensed professional for the most up-to-date and personalized guidance.