Seamless and Secure International Money Transfers

Send money online with Xe easily in these steps:

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: 'Direct Debit (ACH)', 'Debit Card', 'Credit Card', or 'Wire Transfer'. 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:
Transfers begin once we've received your payment.

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

Bank transfers, direct debits, and ACH are a bit slower, taking up to 2 business days to reach us.

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:
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
Australia & New Zealand (AUNZ): 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 methods available to you.

Customers in Canada and the USA paying by bank or wire transfer:
Customers in Canada need to send $3000 CAD or more to pay by bank or wire transfer
Customers in the USA need to send $3000 USD or more to pay by bank or wire transfer

Since the transfer’s going directly to your bank account, the sender will need to have the bank information handy to send the transfer.

Make sure that the sender knows the following information:

• Your name

• Your address (your residential address, not the bank’s address)

• Your bank account number

• Your BIC or SWIFT code

• Your bank name

Most transfers will arrive on the same day, but occasionally some recipient banks can take between 1-4 days to deposit the money in your account. Depending on the payment method and the delivery route, it could even reach you in just a few minutes.

The money will be automatically deposited into your account. No need to head out to your local bank’s branch and wait in line; just wait for your bank to notify you that there’s been a deposit in your account.

Just like sending one, receiving an international money transfer is quick and simple. Here’s what you’ll need to know about receiving your money transfer.

You’ll need a bank account

When you transfer money electronically, there’s no physical money transport. The “transfer” is a secure exchange of information between two institutions (typically your bank and your recipient’s bank) that lets them know how much to debit from the sender’s account and whose account to credit (yours). Unlike wire transfers, which can be picked up in person, an online money transfer will go straight to your bank account.

If you don’t have a bank account, you can easily open one online or on the phone in just a few minutes. Here’s a guide to what you’ll need to open the account.

Your sender will need some information from you

Since the transfer’s going directly to your bank account, your friend will need to have your bank information handy to send the transfer.

Make sure that the sender knows the following information:

• The country you have your bank account in

• Your name

• Your address (your residential address, not the bank’s address)

• Your bank account number

• Your BIC or SWIFT code

• Your bank name

Typically, the money will be deposited into your account within 1 to 4 business days, though many transfers complete sooner than that. Depending on the payment method and the delivery route, it could reach you in just a few minutes.

When the sender makes a transfer, before they confirm it, they’ll be told when the transfer should be sent and when it’s expected to arrive. After confirming the transfer, they’ll receive additional updates throughout the process and can track the status online. Unfortunately, we are unable to advise when the funds will be available to you. So, if you’re curious about when the money will arrive, start by asking the sender for the latest update.

Accepting the transfer

The money will be automatically deposited into your account. No need to head out to your local bank’s branch and wait in line; just wait for your bank to notify you that there’s been a deposit in your account.

If you have any questions about the status of your transfer, contact the sender to see if they have any updates for you. If they don’t have any, they can contact us by phone or by email with any questions or concerns.

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

• Your recipient’s full legal name

• Their residential address (not the bank’s 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

• 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 Canada, New Zealand, Europe, the UK, and the USA 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/debit card or ACH (US only).

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.