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Provider review

XE Review (2026): Fees, Rates & Speed

Updated September 23, 2026 Review

  • International money transfers
  • Currency exchange
  • Multi-currency support
  • Mobile app

XE

4.6/5 (based on 86,934 reviews)

Visit XE

Opens the provider's own site. You pay them directly — we never handle your money.

Trusted & regulated

Authorised by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017 for the provision of payment services.

  • Real-time transfer tracking available
  • 30+ years of international money-transfer experience
  • Part of Euronet Worldwide, a NASDAQ-listed company (EEFT)

Verified Checked September 25, 2026

Quick take

  • XE has broad coverage and useful tracking and currency tools, but customers should compare the final recipient amount because costs and exchange rates vary by route.
  • Transfer fee From $1.99
  • Exchange-rate margin Around 0.30%
  • Transfer speed 1-3 days
  • Minimum amount $3,000.00
  • Maximum amount $350,000.00

How much will it cost? (try your own amount)

XE can't take this transfer: Minimum transfer is $3,000.00.

On this route TorFX delivers the most today: KSh129,297.54. Go to TorFX

See how this compares with other providers

$1,000.00 from United States to Kenya

Reference rate 1 USD = 129.5567 KES Updated 7 hours ago · open.er-api.com

6 providers Up to KSh1,548.21 more for your recipient with the best option

Amounts are estimates based on the mid-market reference rate and each provider's published or typical pricing. The final amount is confirmed by the provider at checkout.

  1. TorFX

    4.9 / 5 editorial rating
    Highest estimated payout
    Recipient gets KSh129,297.54
    Transfer fee
    No fee
    Exchange rate
    129.2975
    Delivery
    Minutes to 2 days
    Go to TorFX (opens in a new tab)
    Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − No fee
    Amount converted
    $1,000.00
    Exchange rate
    × 129.2975 (0.20% below reference)
    Recipient gets
    KSh129,297.54
    Total cost of transfer
    $2.00 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  2. OFX

    4.3 / 5 editorial rating
    Recipient gets KSh128,908.87 KSh388.67 less than the top result
    Transfer fee
    No fee
    Exchange rate
    128.9089
    Delivery
    1–3 business
    Go to OFX (opens in a new tab)
    Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − No fee
    Amount converted
    $1,000.00
    Exchange rate
    × 128.9089 (0.50% below reference)
    Recipient gets
    KSh128,908.87
    Total cost of transfer
    $5.00 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  3. Wise

    4.9 / 5 editorial rating
    Featured
    Recipient gets KSh128,714.54 KSh583.00 less than the top result
    Transfer fee
    $6.50
    Exchange rate
    129.5567
    Delivery
    Seconds to 2 business days
    Go to Wise (opens in a new tab)
    Estimated · general pricing Last verified September 22, 2026 Route availability not yet confirmed Pays out by Bank deposit
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − $6.50 ($1.50 + 0.5%)
    Amount converted
    $993.50
    Exchange rate
    × 129.5567
    Recipient gets
    KSh128,714.54
    Total cost of transfer
    $6.50 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

    Wise availability and pricing can change, so users should verify current details on Wise before sending money.

  4. WorldRemit

    4.2 / 5 editorial rating
    Recipient gets KSh128,264.45 KSh1,033.09 less than the top result
    Transfer fee
    $1.99
    Exchange rate
    128.5202
    Delivery
    Minutes to 3 days
    Go to WorldRemit (opens in a new tab)
    Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money, Digital wallet
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − $1.99 ($1.99)
    Amount converted
    $998.01
    Exchange rate
    × 128.5202 (0.80% below reference)
    Recipient gets
    KSh128,264.45
    Total cost of transfer
    $9.97 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  5. Western Union

    4.1 / 5 editorial rating
    Sponsored
    Recipient gets KSh128,261.09 KSh1,036.45 less than the top result
    Transfer fee
    No fee
    Exchange rate
    128.2611
    Delivery
    Minutes to 1 business day
    Go to Western Union (opens in a new tab)
    Estimated · general pricing Last verified September 22, 2026 Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − No fee
    Amount converted
    $1,000.00
    Exchange rate
    × 128.2611 (1.00% below reference)
    Recipient gets
    KSh128,261.09
    Total cost of transfer
    $10.00 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  6. Remitly

    4.7 / 5 editorial rating
    Recipient gets KSh127,749.33 KSh1,548.21 less than the top result
    Transfer fee
    $3.99
    Exchange rate
    128.2611
    Delivery
    Minutes (Express) / 1–3 days (Economy)
    Go to Remitly (opens in a new tab)
    Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − $3.99 ($3.99)
    Amount converted
    $996.01
    Exchange rate
    × 128.2611 (1.00% below reference)
    Recipient gets
    KSh127,749.33
    Total cost of transfer
    $13.95 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

1 provider not shown for this search
  • XE — Minimum transfer is $3,000.00

We may earn a commission when you use the links on this page. This never affects the ranking, which is based on the amount your recipient receives.

Is XE right for you?

XE is a well-established international money transfer and foreign exchange provider that lets individuals and businesses send money internationally through its website and mobile app. It is part of Euronet Worldwide and operates through regulated entities in several major markets.

One of XE’s main strengths is its broad international coverage. Customers can send money to numerous countries and currencies, while the platform provides transfer tracking so users can monitor the progress of their payments. XE also supports features such as rate alerts and currency tools, which can be useful for people who regularly exchange currencies.

Pricing varies depending on the currency pair, destination, payment method and transfer amount. XE generally makes money through the exchange rate offered to customers, and the total cost should therefore be assessed by comparing the final recipient amount rather than looking only for an upfront transfer fee.

The service is particularly relevant for people sending larger international payments, recurring transfers or money across multiple currency corridors. However, availability, delivery times, fees and payment options vary by country.

As with any money-transfer provider, customers should check the exchange rate, total cost, estimated delivery time and applicable limits immediately before confirming a transfer.

Key features

  • International money transfers
  • Currency exchange
  • Multi-currency support
  • Mobile app
  • Transfer tracking
  • Rate alerts

Pros & cons

Pros

  • Online and mobile transfer options
  • Transfer tracking
  • Rate alerts and currency tools
  • Supports personal and business transfers

Cons

  • Pricing varies by currency corridor and payment method
  • Exchange-rate markup can affect the overall cost
  • Not every payment method is available in every country

Customer ratings

4.6/5

  • Fees 4.0/5
  • Speed 4.0/5
  • Ease of use 4.5/5
  • Customer support 4.0/5
Xe competitive rates and low fees really impressed me. Will definitely transfer funds using this platform again.
— Annelize, New Zealand (TrustPilot)

Scores are our editorial assessment, with customer feedback taken into account.

How to send money with XE

  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.

Where you can send, and how

Transfer (pay-in) methodsBank deposit · Debit/credit card
Payout methodsBank deposit · Cash pickup · Mobile money

Frequently asked questions

Is XE a legitimate money-transfer service?

Yes. XE is an established international money-transfer provider and operates through regulated entities in several jurisdictions.

Is XE safe to use?

XE uses security and compliance measures to protect customer accounts and transfers. The applicable regulatory protections depend on the country where you access the service.

How much does XE charge to send money?

The cost varies by currency, destination, transfer amount and payment method. Check the quoted exchange rate and final recipient amount before confirming a transfer.

Does XE charge a transfer fee?

Fees depend on the transfer route, amount and payment method. Some transfers may have no separate upfront fee, but the exchange rate can still affect the overall cost.

How long does an XE transfer take?

Delivery times vary depending on the currencies, destination, payment method and recipient bank. XE provides an estimated delivery time during the transfer process.

We may earn a commission when you use the links on this page. This never affects the ranking, which is based on the amount your recipient receives.

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