We have two simple processes:
This article guides you through both.
Set up your first transfer
Follow the steps below to send your first transfer.
Start your transfer
- Log in to your Xe account on the app or on the website
- Click the blue 'Send money' button
Add transfer details
The currency conversion step
- Choose the 'Destination country' to tell us which country you're sending money to
- Complete either the 'You send' or the 'Recipient gets' field:
- 'You send' is how much you're sending in your home currency
- 'Recipient gets' is the amount your recipient receives
- Need to pay a bill or send a specific amount in another currency? Complete the 'Recipient gets' field first
Choose how to pay
- Time sensitive transfer? The fastest way to pay is by debit or credit card
Choose how your money is delivered
- You can always send money to your recipient's bank account
- If available, you'll also have the option to arrange a cash pickup or send to a mobile wallet
Add your recipient
- Pay an existing recipient or add someone new
- Please note: you'll only see recipients if their account is in the same currency as the currency you're sending. Learn more.
Add transfer details
- Let us know the reason for your transfer
- You can add a payment reference at this stage too
Pay for your transfer
- If you're paying by bank transfer, we'll send you a transfer confirmation email with our bank details in
- You'll be able to make payment when this email hits your inbox
Review and send
- Give your transfer one final check; let's get your money on
Set up your next transfer
Follow these steps if you’ve sent money with us before.
Start your transfer
- Log in to your Xe account using the app or website
- Click the blue “Send money” button
Add your recipient
- Choose to pay an existing recipient, add a new one
- Existing recipients: their currency and destination country populate automatically
- New recipients:
- Choose the delivery method (bank account, cash pickup or mobile wallet)
- Choose who you're sending to (yourself, someone else or a business)
- Enter the recipient’s currency and destination country
Add transfer details
The currency conversion step
- Complete either the “You send” or “Recipient gets” field:
- “You send” = the amount you are sending in your home currency
- “Recipient gets” = the amount your recipient will receive
- If you need to send a specific amount in another currency or pay a bill, complete the “Recipient gets” field first
Add transfer details
- Let us know the reason for your transfer and add an optional payment reference
Choose how to pay
- For time-sensitive transfers, the fastest payment method is debit or credit card
- If paying by bank transfer, we'll email our bank account details to you. Complete payment once the email's arrived.
Review and send
- Review your transfer details one final time, then confirm and send your money