Seamless and Secure International Money Transfers

Sending money overseas from New Zealand with Xe is simple. Here's how to send an international money transfer online:

1. Log in or register for a free profile.

2. Select 'Destination country' for your transfer.

3. Enter the amount in 'You send' or 'Recipient gets' for currency conversion. For specific amounts, complete 'Recipient gets' first.

4. Choose a payment method: 'Bank Transfer’', 'Debit Card',or 'Credit Card'. For urgent transfers, use debit or credit card.

5. Send to recipient's bank account, or if available, arrange cash pickup or send to a mobile wallet.

6. Provide recipient's details and transfer reason.

7. For bank transfers, await a confirmation email with our bank details to make the payment.

8. Send your money!

Initiating a money transfer reveals typical durations. Delivery time estimates may change based on currency, destination, and payment method. Track transfers using the Activity screen on the Xe app or website and chat live with our virtual assistant, Lexi, for assistance.

Fastest payment options:
If you need to send money instantly, card payments are the fastest option — transfers begin the moment we've received your payment.

Card payments are the quickest, processed almost instantly. Choose card payment for urgent transfers.

Bank transfers are typically same-day, though transfers initiated later in the day may not arrive until the next business day.

Delivery timeframes:
After receiving your payment, we send your money. Allow 1 to 3 business days for transfers to reach recipients, depending on currency and destination. For concerns, chat with Lexi to track transfers.

For your security, we do have limits on how much you can send in a single online transfer.

Online transfer limit per region:
Australia (AU): $750,000 AUD or sending currency equivalent
New Zealand (NZ): $750,000 NZD or sending currency equivalent
UK & Europe (GBEU): £350,000 GBP or sending currency equivalent
United States (US): $535,000 USD or sending currency equivalent
Canada (CA): $560,000 CAD or sending currency equivalent

The payment method you choose may also determine how much you can send with us. Read our FAQs for more information and view a list of payment limits available to you.

Sending money directly to someone’s overseas bank account with Xe is straightforward - you’ll just need a few details from your recipient before you start. Make sure you have:

• Their full name (as it appears on their bank account)

• Their residential address (not a P.O box or bank address)

• Their bank account number

• Their BIC or SWIFT code

• Their bank name

Once you’ve entered the details and paid your transfer, the money is sent directly to their account - no branch visits or pickups required. Most transfers arrive the same day, though some recipient banks can take up to 1-4 business days to deposit the funds. Depending on the payment method and destination, it can arrive in just a few minutes. 

Tip: ask your recipient to confirm their bank details from their bank statement or banking app - even a small mistake can delay the transfer.

Receiving an international money transfer with Xe is quick and simple — the funds go straight to your bank account, no branch visit or pickup required.

You'll need a bank account
Online transfers are deposited directly into a bank account in your name. If you don't have one, you can open one online or by phone in a few minutes.

Share your bank details with the sender
To send the transfer, your sender will need:

• The country your bank account is in

• Your full name (as it appears on your account)

• Your residential address (not a P.O. box or bank address)

• Your bank account number

• Your BIC or SWIFT code

• Your bank name

When the money will arrive
Most transfers arrive within 1 to 4 business days, and some land in just a few minutes depending on the payment method and destination. The sender sees the expected arrival time before confirming and can track the transfer's status online — so if you're wondering where your money is, start by asking them for an update.

Accepting the transfer
The money is deposited automatically — just wait for your bank to notify you. If anything looks off, the sender can contact us directly.

The exact information depends on the country and payout method, but for a typical bank transfer with Xe, you’ll usually need:

• The recipient’s full legal name

• Their residential address (not a P.O box or bank address)

• Their bank account number

• Their bank name

• Their SWIFT/BIC code (for international transfers)

• Sometimes the country where their bank account is held

For some countries, Xe may ask for extra details based on local banking rules. For example, for transfers to the U.S., you typically need:

• Recipient’s name

• Account number

• Routing number (specifically the ACH Routing Number)

• Recipient bank name

If you’re sending for cash pickup, your recipient usually just needs:

• A valid government-issued photo ID that matches the transfer name

• The transfer PIN/reference number

Best practice: Ask your recipient to confirm their bank details directly from their bank statement or banking app before you send. Even a small mistake can delay or fail the transfer.

Check the status of your money transfer, or take an action to get it moving, in the app or in your online account.

Track your money transfer in the app:
1. Open Track screen
2. Click transfer for status and timeline

Track your money transfer in your online account:
1. Open Activity screen
2. Click Details, Share, or Resend for actions

Ask Lexi to track your money transfer:
1. Click 'Chat with us'
2. Enter contract number (e.g. C12345678)
3. Lexi provides status update

With transfer open (app or online):
View transfer timeline
Make changes (based on status)
Access bank details for payment
Upload required info
Repeat completed transfers

Cash pickup lets Xe users in New Zealand and other supported regions send money quickly in physical form.

As a sender, pick an amount and pay. We'll generate a PIN for your recipient to collect the money at a chosen location, subject to our Terms and Conditions.

Choose it as your preferred delivery option during the regular sending process.

For new customers, select the currencies and destination country, then switch from bank transfer to cash pickup if available. If not, select another delivery option.

Pay for cash pickups with credit or debit card.

Recipients can collect money at a specific store or any branch of selected partners. You'll decide the location during the payment process.

After payment, you'll see the pickup location and PIN. Share the PIN with your recipient. They'll need valid government-issued ID and the PIN to collect the money.