Description
Xe Money Transfer Review 2026
Is Xe a good way to send money abroad? I read reviews on Trustpilot, the App Store, Google Play and Forbes Advisor, and checked a live quote, so you don’t have to.
Exchange rates move. Check the rate and any fees on Xe before you confirm.
ℹ️ Affiliate disclosure
If you sign up through our link, Mondosol may earn a commission at no extra cost to you. Xe didn’t pay for or approve this review, and it never changes what we write, including the bad parts.
Is Xe worth it?
- ✅ Yes, for easy, regulated transfers with fees shown upfront.xe.comTrustpilot
- ⚠️ Compare the rate, not just the fee: ours was ~0.5% under mid-market.xe.com
- 🚩 Recipient banks may deduct extra, outside Xe’s control.xe.com
- 💡 Low-risk test: open a free account and compare one quote with your bank.xe.com
What real users said, and what I found
Short quotes from public reviews, copied word for word. Click any card to read the full review.
“Each time I send an international wire it’s super easy for me and always hits within the same time period.”
Elio’s cross-check: app users agree: 4.8 on the App Store (125K ratings) and 4.6 on Google Play (401K reviews).
“The Exchange rates are competitive and the service efficient; no issues.”
Elio’s cross-check: on Oct 3 Xe quoted €1,000 to India with a €0.00 debit-card fee, at a rate about 0.5% under its own mid-market rate.
“The only thing I don’t like is that they have added a small fee per transaction. There used to be no fee.”
Elio’s cross-check: Xe’s own App Store screenshot shows a $5 fee on a $1,000 transfer. Fees vary by method, amount and country.
“they openly advertise ‘free transfers’ without any mention of possible third party charges”
Elio’s cross-check: Xe’s fees page does warn that recipient banks or intermediaries may charge extra fees it can’t control.
“Xe later showed the transfer as completed, but the recipient never received the money.”
Elio’s cross-check: her payment was returned over a missing tax code. Ask what the recipient’s bank needs before you send.
“However, transfer fees and exchange rate mark-ups are relatively high.”
Elio’s cross-check: our Oct 3 snapshot fits: a €0 fee, but the rate sat about 0.5% under mid-market.
“Xe is easy, regulated and shows its fee before you pay. The cost hides in the rate, so compare one real quote with your bank before you send.”
Verdict 4.1/5. Good for regular transfers if you check the rate.
Pros
- ⭐ 4.4 on Trustpilot from 87,052 reviewsTrustpilot
- 📱 Top-rated apps: 4.8 iOS, 4.6 AndroidApp StoreGoogle Play
- 🧾 Fees shown before you confirmxe.com
- 🌍 Send to 190+ countriesxe.com
- 🔔 Rate alerts and live rate watchApp Store
- 🏛️ Licensed by the FCA, FinCEN, FINTRAC, ASICxe.com
Cons
- 📉 Rate below mid-market (~0.5% in our check)xe.comForbes Advisor
- 💳 Card payments cost more than bank transfersxe.com
- 🏦 Recipient banks may deduct extraxe.com
- 🗺️ Send from only 22 countriesForbes Advisor
- 🧾 Small fees on some transfers nowTrustpilot
Send money with Xe →Exchange rates move. Check the rate and any fees before you confirm.
Why listen to me?
- 🌍 An Italian living in Norway
- 🏆 One of the top Airbnb hosts in the world
- 📰 Featured in Repubblica
- 🔍 Cross-checked 6 real reviews against 87,052 Trustpilot reviews, 526K app ratings, Forbes Advisor and a live Xe quote
My verdict: open a free account, get one real quote, and compare the amount your recipient gets with your bank’s.
Send money with Xe →Exchange rates move. Check the rate and any fees before you confirm.
See it in action
Xe’s official 48-second app overview, from June 2025. Some screens may have changed since.
How much does Xe cost?
A free account. Fees depend on currency, country, amount and how you pay. The rest is in the exchange rate.
| Example | Fee | Rate vs mid-market |
|---|---|---|
| €1,000 to India, debit card (our live quote) | €0.00 | 107.6912 vs 108.2406 INR, about 0.5% lower |
| $1,000 to the UK, debit card (Xe’s App Store example) | $5 | Not shown |
Quick math: on €1,000 to India, your recipient gets ₹107,691 instead of ₹108,241 at mid-market. That’s about ₹549 (≈€5) in the rate.
Live quote on xe.com/send-money and mid-market rate on Xe’s converter, both checked Saturday Oct 3, 2026 at 08:09 UTC from Norway. Rates move every minute and may differ at weekends.
Related tools we review
Only tools we have a partner link for. We don’t link to competitors we don’t review.
Moving money abroad? Ask Elio first.
Book a free 15-minute call. Tell me where you send money and how often, and I’ll tell you honestly what to compare.
People also ask
Does Xe charge fees?
It depends on the currency, destination, amount and payment method, and Xe shows any fee before you confirm. In our Oct 3, 2026 check, €1,000 to India by debit card showed a €0.00 fee. Recipient banks may still deduct their own fees.
Does Xe use the mid-market rate for transfers?
No. Xe’s converter shows the mid-market rate for information. In our check the transfer rate was about 0.5% lower, which is where much of the cost sits.
Is Xe safe?
Xe is part of Euronet Worldwide (NASDAQ: EEFT) and says it is licensed by the FCA, FinCEN, FINTRAC, ASIC and other regulators.
How fast are Xe transfers?
Xe says most transfers arrive in minutes. Card payments are typically processed in under 24 hours; bank payments can take longer.
Is this review sponsored?
No. Xe didn’t pay for or approve it. If you sign up through our link, Mondosol may earn a commission at no extra cost to you.
Ready to compare a real quote?
Open a free account, check what your recipient gets, then come back and tell other readers how it went.
Send money with Xe →Exchange rates move. Check the rate and any fees before you confirm.
⭐ Used Xe? Leave an honest review — good or bad — and earn Mondosol points.
Elio Mondello Anza (Mondosol) –
Expert verdict: 4.1/5, based on public reviews on Trustpilot, the App Store, Google Play and Forbes Advisor, plus a live Xe quote checked on Oct 3, 2026 (not a hands-on transfer). Xe is easy to use, regulated, and shows any fee before you confirm; users rate it 4.4 on Trustpilot and 4.8 (iOS) and 4.6 (Android) on the app stores. The cost sits mostly in the exchange rate: in our check the transfer rate was about 0.5% under Xe’s own mid-market rate, and recipient banks can deduct extra fees. Open a free account, compare one real quote with your bank, and check what the recipient’s bank needs before you send.