While we try to avoid charges wherever possible, occasionally your money transfer might be subject to a fee. Read this article on the three types of costs you may come across.
|Please note: These fees don't apply to business customers. Learn more about Xe for Business fees.|
In this article, we’ll cover:
- Send fees
- Third-party bank fees
- Payment method fees
To help keep our rates competitive, some of our transfers are subject to a small fee.
Don't worry - this isn't a hidden or surprise fee.
The table below should help you identify the minimum amount to transfer without facing this fee.
|Where you're registered||Minimum transfer amount to qualify for no send fee||Send Fee (if sending less)|
|Australia||No send fees ✅|
|Canada||No send fees ✅|
|European Union||250 EUR||2 EUR|
|New Zealand||No send fees ✅|
|United Kingdom||250 GBP||2 GBP|
|United States||No send fees ✅|
Please note: Money transfers sent with our cash pickup service and to mobile wallets are subject to different send fees. This is because it is a separate service and our fees are calculated differently.
Third-party bank fees
We always send the exact amount you ask us to when you confirm your money transfer.
Sometimes the recipient’s bank or an intermediary can add a fee which is then deducted from the amount received by your recipient.
We have no control over this and they don't warn us in advance. Click here for more information about these fees.
|Please note: Third-party bank fees are not applicable to money transfers delivered with our cash pickup service.|
Payment method fees
Some methods of paying us are can also be subject to a fee, either by Xe, your bank or credit card provider.
For more information about our payment methods, the options available to you and to see which ones carry charges please click here.
Otherwise, we've listed below the fees you may encounter while paying us for your transfer.
Your card issuer may charge a cash advance fee of up to 5%, and start charging interest from the point of purchase. If this is the case, you will be liable for this charge.
Users in some regions will be also be charged a small fee for using a credit card, which will be a percentage of the total amount being sent. Full details can be found in our help article.
For example, for US customers, there’s a flat charge of 2.99% of the amount you’re sending. So if you’re sending $500, you’ll be charged 2.99% of that amount.
It is free to use a debit card to pay for your transfer in the UK and Europe.
If you live outside of these regions, you'll be charged a small fee for using a debit card, which will be a percentage of the total amount being sent. Full details can be found in our help article.
Bank or wire transfer
Xe will not charge to receive funds via bank transfer.
Some banks may impose charges on these transfers. Typically, banks in the US and Canada charge between $15 and $30 to make a wire transfer.
It’s typically a free service, but this is at the discretion of the customer's bank.