Xe.com (Xe) is a leading Canada-based online foreign exchange tools and services platform. Best known for its free, highly accurate online currency converter, Xe is a primary global authority on currency data. Founded in 1993 and headquartered in Newmarket, Ontario, the company has been a subsidiary of Euronet Worldwide since 2015. [1, 2, 4]
- International money transfers
- Currency exchange
- Multi-currency support
- Mobile app
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
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.
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Highest estimated payoutRecipient gets KSh129,297.54- Transfer fee
- No fee
- Exchange rate
- 129.2975
- Delivery
- Minutes to 2 days
Estimated · general pricing Route availability not yet confirmed Pays out by Bank depositHow 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.
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Recipient gets KSh128,908.87 KSh388.67 less than the top result- Transfer fee
- No fee
- Exchange rate
- 128.9089
- Delivery
- 1–3 business
Estimated · general pricing Route availability not yet confirmed Pays out by Bank depositHow 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.
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FeaturedRecipient 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
Estimated · general pricing Last verified September 22, 2026 Route availability not yet confirmed Pays out by Bank depositHow 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.
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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
Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money, Digital walletHow 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.
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SponsoredRecipient 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
Estimated · general pricing Last verified September 22, 2026 Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile moneyHow 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.
-
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)
Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile moneyHow 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
How to send money with XE
-
Get started with XE
Open the XE website or mobile app to begin your transfer.
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Create an account
Sign up with XE using your email address or phone number and set a secure password.
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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.
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Add recipient details
Enter your recipient's name and select how they will be paid — bank deposit, mobile money, digital wallet or cash pickup.
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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.
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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.
4.6/5
XE
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