- Stage one: Receiving your money
- Stage two: Clearing your money
- Stage three: Sending your money
- Get more information with the Xe app
You can trust Xe to ensure your money arrives safely and securely with your recipient – and we always aim to get your money moving as quickly as possible.
Once you confirm your money transfer, you'll see the expected payment date. This is an estimate of the earliest time your payment can be sent and not a guarantee. If your money is delayed more than 24 hours beyond the expected date and you’re concerned, contact us at the bottom of this page.
Rest assured, we'll always try to send your money as quickly as possible to your recipient. Your transfer may be subject to delays at each of the following stages:
Stage one: Receiving your money
The first is the simple process of us receiving your money. While some transfers can take just minutes, some can take a little longer to arrive with us.
This, for example, could be the result of your selected payment method as some banks send their transfers at the end of the working day.
From this point, it can take between 0-3 days for your money to reach us.
If speed is important to you, we'd always recommend settling with us via card, which provides a much faster transaction time.
Stage two: Clearing your funds
To help keep you safe, we must have cleared your funds before your payment can be sent on to the recipient.
These funds need to have been cleared before our daily cut-off point. If we don’t receive and clear your funds before this time, your transfer might be delayed.
Stage three: Sending your money
Once we've received and cleared your funds, we can then send them on. This will take anywhere between 1-4 working days, and is also subject to the efficiency of your recipient's bank.
Get more information with the Xe app
With our Xe app, we'll also send you a push notification at each stage of your transfer so you know where your funds are, and you can also track the progress of your transfer.
App users are presented with a little bit more information about when money should be delivered, not just sent out.
When selecting your payment method, you’ll be presented with some timescales. These represent the earliest possible delivery times once we’ve received your funds.
The time it takes to deliver your money to your recipient will depend on the route it takes, the currencies you're converting from and to (currency pairs) and the payment method selected.
We'd recommend using the Xe app to track your transfer. Simply click on the relevant button below to download it.