XE Money Transfer review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
XE Money Transfer offers very wide transfer coverage across many countries and currencies while arrival times vary by route. It is an international money transfer service for people who send funds abroad and want conversion tools alongside transfers and rate alerts.
Key facts
- Best for
- People sending money to many countries worldwide
- Deposit protection
- FDIC up to USD 250,000↗
- Access terms
- Send a transfer online on demand; recipient is paid out per the transfer speed quoted↗
- Legal entity
- Xe Corporation Inc.↗
- Headquarters
- Canada↗
- Founded
- 1995↗
- Support channels
- Chat, Phone, Email, Help-centre↗
- Official website
- xe.com
Money transfer
- Transfer fee
- Low to no fees; larger transfers may be free, smaller transfers carry a fixed fee↗
- Delivery time
- Most transfers 1-3 business days; 90% of transfers arrive in minutes↗
- Payout methods
- Bank, Cash-pickup, Wallet↗
- Currencies
- 130↗
- Fee to send 1,000
- from $0↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Sends money to over 190 countries across 130 currencies
- Provides currency conversion with charts and rate alerts
- Includes historical rate trends and daily market analysis
- Offers business platform for holding and cross border payments
Cons
- Arrival times vary, with some transfers taking business days
- Business currency coverage differs from personal transfer coverage
Who it suits
- People moving money across many countries
- Businesses paying suppliers across borders
Who should look elsewhere
- People seeking domestic only payments
How your money is protected
XE Money Transfer presents international transfers as fast, secure and convenient for people sending funds abroad. Some transfers ask for identifying documents to confirm identity and keep funds safe. That check adds a protective step before money moves toward its recipient. Transfers generate a quote based on destination and currencies before you confirm details. You can follow the progress of a transfer and see when it reaches its recipient. The service frames these identity and visibility steps as central to protecting transfers.
How XE Money Transfer compares
Where XE Money Transfer is available
- Available
- Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Guernsey, Ireland, Isle of Man, Italy, Jersey, Luxembourg, Netherlands, New Zealand, Norway, Portugal, Spain, Sweden, United Kingdom, United States
- Licence in United States
- New York State Department of Financial Services, checked September 26, 2026
- Licence in United States
- Massachusetts Division of Banks (NMLS ID 920968), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which countries does XE Money Transfer serve?+
XE Money Transfer serves more than 190 countries worldwide for personal transfers. It supports 130 currencies for those transfers. Business payments also reach more than 190 countries across a wider currency range.
What currency tools does XE Money Transfer offer?+
The service provides currency conversion alongside charts and rate alerts for chosen pairs. Historical trends show movements across days, weeks, months or years. A daily market analysis covers exchange rates and related news.
What business services does XE Money Transfer provide?+
XE provides a business platform for holding, managing and sending funds across borders. It supports one off and bulk payments to many destinations. Businesses can lock exchange rates or set limits for greater stability.
How long has XE been operating?+
XE reports more than 30 years in currency conversion and global money transfers. It presents itself as a long established source of exchange rate data. Millions of people around the globe use its transfer and conversion services.
Where is XE Money Transfer based?+
XE Money Transfer is based in Canada. (Source, checked September 26, 2026)
When was XE Money Transfer founded?+
XE Money Transfer was founded in 1995. (Source, checked September 26, 2026)
How can I contact XE Money Transfer support?+
XE Money Transfer offers support through Chat, Phone, Email, Help-centre. (Source, checked September 26, 2026)
Sources
- xe.com checked September 26, 2026
Backs: Currencies, Fee to send 1,000
“Send money to 190 countries across 130 currencies.”
- xe.com checked September 26, 2026
Backs: Access terms, Founded, Support channels
“Track your transfer See where your money is and when it arrives to your recipient.”
- xe.com/company checked September 26, 2026
Backs: Headquarters
“Our headquarters moved from downtown Toronto to 1145 Nicholson Road, Newmarket.”
- xe.com/en-ca/mt/us-money-transfer/affiliate-program checked September 26, 2026
Backs: Deposit protection, Licences
- xe.com/en/legal checked September 26, 2026
Backs: Legal entity
“Welcome to the website of XE CORPORATION INC. ("XE"), located at www.XE.com (the "Web Site")”
- xe.com/money-transfer-fees checked September 26, 2026
Backs: Transfer fee
“Larger transfers often come with lower or no fees ... Smaller transfers typically have a fixed fee”
- xe.com/money-transfer-speeds checked September 26, 2026
Backs: Delivery time
“Generally, most transfers are completed within 1 to 3 business days”
- xe.com/send-money checked September 26, 2026
Backs: Payout methods
“Send to recipient's bank account, or if available, arrange cash pickup or send to a mobile wallet”
Compiled from 8 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit.