How to Send Money with XE in 2026

1
Get started with XE
Open the XE website or mobile app to begin your transfer.
2
Create an account
Sign up with XE using your email address or phone number and set a secure password.
3
Verify your identity
Upload a government-issued ID and, where required, proof of address. Verification is a legal requirement and usually takes a few minutes.
4
Add recipient details
Enter your recipient's name and select how they will be paid — bank deposit, mobile money, digital wallet or cash pickup.
5
Pay for your transfer
Fund the transfer with a bank transfer, debit card or credit card. Review the fee and the guaranteed amount your recipient will receive before you confirm.
6
Track delivery
Follow the transfer status in your account or app and receive a notification when the funds arrive.