Read our guide on everything you need to know about paying for your transfer by debit card.
Quick reference
- Who can use this method?
- Where/who can I send money to using a credit card?
- How does this payment method work?
- What are the limits for debit card payments?
- How long does it take to send money using a debit card?
Who can use this method?
If you are a registered UK or US user you can make payment for transfers using a debit card.
| July 2021 (subject to change) - Card payment will soon be available for customers in Australia, New Zealand and Canada. |
For a full list of payment methods available for your region, please click here.
Where/who can I send money to using a credit card?
Debit cards can be used to pay for transfers in:
- British Pounds (GBP)
- Euros (EUR)
- Danish Krone (DKK)
- Norwegian Krone (NOK)
- Swiss Franc (CHF)
- Swedish Krona (SEK)
- US Dollars (USD)
How does this payment method work?
Debit card payments can be made using the Xe app or website. You may be required to authorise the transaction using a passcode provided by your bank when going through the authentication stage (3D Secure).
What are the limits for debit card payments?
Credit card payments can be made using the Xe app or website. You may be required to authorise the transaction using a passcode provided by your bank when going through the authentication (3D Secure).
| Your Region | Limit | Frequency |
| UK & Europe | GBP 70,000 per day | No more than 5 transactions in a single day not exceeding £75,000 |
| United States | USD 3,000 per day |
Not to exceed 2 transactions within 7 days Not to exceed USD 9,000 within 25 days |
Please note: Your bank may have different per transaction or daily limits.
US users can only send major currencies (British Pounds, Australian Dollars, New Zealand Dollars and Canadian Dollars) using a debit card.
How long does it take to send money using a debit card?
Paying by card is our fastest payment method.
Are there any charges for using a debit card?
It is free to use a debit card to pay for your transfer, unless you’re a customer registered in the US.
For US customers, the following charges will apply as a percentage of the amount sent:
| Amount sent (USD) | Charge (percentage of amount sent) |
| Up to $250 | 2% |
| $250 to $499 | 1.5% |
| $500 to $999 | 1% |
| $1,000 to $3,000 | 0.7 |
How can I add this method to my Xe account?
You can add your debit card information during the transfer process. You can also securely store your card information for future use.
In the app
- Select your currency type and amount to transfer, and who you want to send your money to, then progress to step three.
- You’ll be presented with a payment method screen. If you’ve previously saved cards, these will now be presented along with an option to add a new one.
- To add a new card, you can choose this option and then you’ll be prompted to enter the card details. You’ll then have the chance to review your transaction.
- Once you’ve completed a transfer using a card and opted to save its details, it should then be visible to the user by heading to More via the bottom navigation bar and then selecting Payment methods.
We recommend using the Xe app to transfer your money. Click one of the buttons below to download it.
On the web
- Select your currency type and amount to transfer, and who you want to send your money to, then progress to step three.
- Stage three is the payment stage, and this is where you’re offered the chance to enter your card details. You can check the box to store them for future use if you wish.
- Once you’ve completed a transfer using a card and opted to save its details, it should then be visible to you by heading to My Account and then selecting Debit and Credit Cards.
Why was my card payment unsuccessful?
There are a number of reasons why your card payment may have failed. Take a look at some of the most common reasons why card payments fail here in our guide.
Can I cancel my Debit Card transaction?
Depending on the stage that your initial transaction is at, it may or may not be possible for you to cancel this transfer and request a refund.
If you’ve not yet confirmed the transaction, you can simply cancel the process yourself by doing the following:
- In the app: Simply click the cross icon in the top left-hand corner to stop the transfer
- On the website: Click ‘go back’ to return to a previous step and edit details, or close the browser window to cancel the transaction entirely
If you’ve confirmed your transfer, it is likely we are unable to cancel your transaction, due to the way we operate.
We purchase your funds at the time of confirmation and once your request has been submitted, it cannot be easily reversed.