Xe Money Transfer Limits [2025]: Full Guide
Xe Money Transfer is a large, trusted and long established money transfer service, which is part of a global provider offering payments around the world. From the US you can send money to 130+ countries, with variable fees and rates, with the option of dedicated support if you send high value payments, or multiple payments which cumulatively meet the high value threshold over the course of a year.
This guide walks through how to use Xe Money Transfer for a high value payment, the fees, rates, and some alternatives you might want to compare.
Table of Contents
- Quick summary
- Does Xe Money Transfer have limits?
- Alternatives with higher limits
- Is it possible to increase the limits
- How to send high amount transfers with Xe Money Transfer
- Xe large transfer fees
- How long do large transfers take with Xe Money Transfer?
- Xe Customer support for high amount transfers
- Conclusion & FAQs
Quick summary: Xe Money Transfer transfer limits
- Xe Money Transfer is part of NASDAQ listed company Euronet Worldwide, with payments available to 130+ countries from the US
- Send up to 500,000 USD per day when sending from the US – customers in different countries may have slightly different limits
- Business customers in the US do not have the same Xe Money Transfer limits – limits can be adjusted according to customer need
- Pay by bank transfer, ACH or with a card – Interac is also offered for CAD transfers
- Xe Money Transfer has a dedicated support team for customers sending high value payments of more than 50,000 USD a year (or local currency equivalent)
- If you’re sending money overseas you may find you can get a cheaper and quicker service from a provider such as Wise or OFX
Does Xe Money Transfer have limits?
Yes. Xe Money Transfer has a daily limit, which is set according to the region you’re based in as a customer.
There may also be separate limits based on the payment method you choose to use.
This guide explores your options – and also offers some alternatives if you’d like to explore different payment providers for comparison.
How much money can I send through Xe Money Transfer?
The amount you’ll be able to send with Xe Money Transfer is subject to a daily limit, which is set according to the country you live in. In addition, there may be extra limits per payment, based on the payment method you select. This guide will explore all you need to know.
Xe Money Transfer transfer limits
Personal customers with Xe Money Transfer are subject to a daily maximum payment limit. This limit does not apply to business payments. There are also some limits you’ll need to know about, based on the specific payment method you select. These limits include minimum and maximum payment limits, and limits on the number of transactions you can make per day.
Here’s what you need to know, as a personal customer based in the US:
| Payment method details | Applicable Xe Money Transfer limits |
|---|---|
| Daily limit for all payment methods (cumulative) | 500,000 |
| Payment by bank transfer | Minimum amount 3,000 USD No upper limit You can pay in instalments if your own bank has low transfer limits |
| Payment by credit card | 3,000 USD per day, with a maximum of 5 payments per day total |
| Payment by debit card | 3,000 USD per day, with a maximum of 5 payments per day total |
*Details correct at time of research – 14th April 2025
Alternatives to Xe Money Transfer with higher limits
Sending an Xe Money Transfer payment may not be your best option, depending on the currency and value of your transfer, and where you need to send money to. Other providers may offer higher limits, better rates or lower fees, depending on the details of your transfer. Compare a few options to decide which works best in your specific situation.
Here are a few international money transfer providers which may be able to help with your payment.
| Providers | International transfer limits | Large transfer fees & exchange rates | Payment methods |
|---|---|---|---|
| Wise | Up to 1 million USD per payment* | Mid market exchange rates, with low, transparent fees Discounted fees on transfers over about 25,000 USD/month | ACH, wire, debit or credit card, SWIFT, Wise account balance |
| OFX | Usually unlimited | No fees, exchange rates include a markup | ACH and wire – other methods may be available depending on your transfer requirements |
| Currencies Direct | Usually unlimited | Variable fees, exchange rates include a markup | Bank transfer – other methods may be available depending on your transfer requirements |
| Currencyfair | Check for details of your limits in the Currencyfair app | 3 EUR or equivalent fee, exchange rates include a markup | Bank transfer |
Details correct at time of research – 1st April 2025. Some other limits may apply depending on the details of the transfer.
About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
Wise
Wise is a specialist in international transfers and multi-currency accounts for personal and business customers. Wise offers low cost currency conversion and cross border payments to 140+ countries.
Wise international transfer limits are high – usually around 1 million USD – and there are fee discounts on high value payments over 20,000 GBP which is around 25,000 USD or so.
- Send payments to 140+ countries, in 50+ currencies
- Currency conversion uses the mid-market exchange rate with low, transparent fees for payments
- Discounted fees on higher value transfers, or if you may multiple transfers in a month which aggregate over around 25,000 USD in value
| Wise international transfer pros | Wise international transfer cons |
|---|---|
| ✅ Low fees and the mid-market exchange rate ✅ Send to 140+ countries ✅ High transfer limits ✅ Discounted fees on higher value transfers | ❌ Fees vary based on destination country ❌ No cash services for pay in or pay out |
Learn more from our Wise large amount transfers guide.
OFX
OFX is well known for great customer service, and offers a 24/7 phone service to customers around the world. OFX personal and business customers can make international transfers in 50+ currencies, and access currency risk management products too. Payments are usually unlimited, with no transfer fee – an exchange rate markup will apply.
- Send to a huge range of countries, in 50+ currencies
- 24/7 personal phone service
- One off and recurring international transfers available
| OFX international transfer pros | OFX international transfer cons |
|---|---|
| ✅ Personal phone service if you need help and advice, plus no upfront transfer fee ✅ Send payments in 50+ currencies with no fee ✅ Business and personal services supported ✅ Access to more complex currency products like limit orders | ❌ Exchange rates include a markup ❌ Card payments not usually accepted |
Currencies Direct
Currencies Direct has been established since 1996 and serves 500,000+ people globally, with payment services to 120+ countries and a dedicated personal account management service. You can send money online and in the app, and pay with bank transfer. Payments are usually unlimited.
- Send money to 120+ countries with just your phone
- No limits on the amount you can send
- Personal support and account management services
| Currencies Direct international transfer pros | Currencies Direct international transfer cons |
|---|---|
| ✅ Send to 120+ countries ✅ Get a personal broker or account manager to help you ✅ Send one off or recurring payments ✅ Award winning service offer | ❌ Transfers have a variable fee ❌ Exchange rates include a markup |
Currencyfair
Currencyfair supports payments in 20+ currencies to 150+ countries, with a flat fee no matter how large your payment is. Exchange rate markups apply, but
Currencyfair states that the markups are small and competitive against banks. Services are easy to use and all you’ll need is your phone once you’ve registered an account.
- Send to a very large range of countries – 150+ supported
- Flat 3 EUR or equivalent fee for all transfers
- Small exchange rate markups apply which are competitive against banks
| Currencyfair international transfer pros | Currencyfair international transfer cons |
|---|---|
| ✅ Flat fee of 3 EUR or the equivalent, even on large transfers ✅ Send to 150+ countries ✅ Set up rate alerts to keep an eye on market movements ✅ Large and trusted business | ❌ Variable payment limits – check your own limits in app ❌ Exchange rates include a markup |
Is it possible to increase Xe Money Transfer transfer limits?
Xe Money Transfer does not detail any ways to increase your transfer limits. If you hit a limit based on your payment method you may be able to send more by changing to a bank transfer, which has no upper limit aside from the daily limit imposed on all transfers – 500,000 USD for customers in the US.
How to increase Xe Money Transfer transfer limits
While Xe Money Transfer does not detail any ways to increase your transfer limits, they do have a dedicated high value payment support team.
If you need to send more than the 500,000 USD limit, you may want to talk to the team on the phone to get advice about your options.
You can also look at other providers, like those we detail above, which can offer higher limits on outgoing payments, such as Wise or OFX.
Is Xe Money Transfer safe for large amounts?
Xe Money Transfer is safe for sending even large amounts of money. Xe uses a range of security measures to keep customers, their money, and their data safe, and is part of a huge money transfer business which is trusted by customers around the world. Some of the safety features used by Xe Money Transfer include:
- 24/7 automated and manual security measures
- Strict Anti-Money Laundering and fraud prevention protocols
- Secure log in processes, with verification needed for account holders
- Access to US based customer support, with a dedicated team available by phone for high value transfers
How to send high amount transfers with Xe Money Transfer
To send a payment with Xe Money Transfer you’ll need to first register an account. You can sign up online or in the Xe app, and get your account verified so you’re ready to send. Here’s an outline of the steps you’ll need to follow:
- Download the Xe app or open the Xe Money Transfer desktop site
- Click Register and enter your personal and contact information following the prompts – you can also sign up by phone if you’d prefer
- Provide a photo of your ID document and a selfie – if any further documents are needed, Xe will inform you
- Once your account is verified you can click Send money and enter the currency and amount you want to send
- You’ll generate an instant quote and can see the payment methods available
- Select your preferred payment method and follow the prompts to set up your payment and transfer funds
Verification of your Xe account can be done in real time, but if you need to provide additional documents this could take a little longer.
Xe Money Transfer large transfer fees
Xe Money Transfer large transfer fees depend on several factors, including the value and currency of the payment, and how you choose to pay.
You’ll see an instant quote for your transfer when you start to set it up online or in the Xe app, and can view the fee details for different payment methods. It’s good to know that as well as any applicable transfer fee, there’s also likely to be an extra charge added into the exchange rate, which we’ll look at in a moment.
In some cases, third party fees may also apply, which are levied by intermediary banks or your recipient’s own bank. These charges might mean your recipient gets less than you expected in the end.
Xe Money Transfer exchange rate for international transfers
You’ll be shown Xe Money Transfer’s exchange rates for your currency pair when you start to set up your transfer in the app or on the desktop site. If you’re arranging your transfer by phone you can also get your quote from the team member you talk to.
While Xe displays the live mid-market exchange rates on their app and website, the Xe Money Transfer exchange rates are not necessarily the same as this rate, as they may include a markup or fee. This is a variable fee which you can calculate if you compare the rate you’re quoted by Xe Money Transfer against the mid-market rate you can find on the Xe website or app.
Understanding the exchange rate markup is important, particularly when sending a high value payment. Because the markup is a percentage fee, it may look small on paper, but it can quickly mount up on higher value transfers. Depending on the amount of money you’re sending, the markup can quickly be the highest fee you’ll pay to move your money.
Compare the exchange rate available from Xe Money Transfer with other providers like Wise and OFX to see which offer the best deal.
How long do large transfers take with Xe Money Transfer?
The length of time it takes to receive a payment with Xe Money Transfer depends on the way you pay, the destination and the currency.
Generally, paying by card is the fastest option as Xe can receive your funds almost instantly. Using a bank transfer will take longer, in some cases it takes Xe 4 days to receive your payment this way.
Once Xe has received your money, they’ll initiate the transfer, which will take a further 1 – 4 days to be deposited to your recipient’s account.
How to track Xe Money Transfer transfer
You can track your Xe Money Transfer payment on the Activity screen in the Xe app, in your online account or by opening a chat with the Xe virtual assistant, Lexi.
How to receive large transfers with Xe Money Transfer
Xe Money Transfer does not offer its own account, which means if you’re receiving a payment through Xe it will be deposited to your bank account. To receive a payment sent through Xe Money Transfer you’ll need to give the person sending you money all of your bank account information.
While this may vary a little depending on where the sender is located, this will usually mean giving the sender the following:
- Your full name as shown on your account
- Your bank account and routing numbers
- Your bank’s swift code
- Your bank’s address
Xe Money Transfer business payments limits
Xe Money Transfer business payments limits are different to the limits imposed on personal customers, and may be set according to your company’s transaction history and needs.
If you hit a limit on your account you can reach out to the Xe business payments team to ask for advice. You may be able to increase the send limit on your account by providing some additional business documents, and information about the type and value of payment you expect to be making in future.
Xe Money Transfer customer support for high amount transfers
Xe Money transfer offers standard customer support through its in app chat feature, which lets you get help in 100 languages. If you’re sending a high value payment of over 50,000 USD, or if you’re sending more than that over a series of payments within a year, you can also connect with the Xe high value transfer team for support.
You can call the Xe Money Transfer customer support service for high value payments on the following number:
- 17372557830 – available 7am to 5pm, PT
Conclusion: Does Xe Money Transfer have transfer limits?
Xe Money Transfer lets you send a payment online or in app to 130+ countries from the US, for personal or business use. Xe has a fixed limit of 500,000 USD or the currency equivalent per day for personal payments. This limit does not apply on business transfers. Aside from the daily limit, you may also find there are lower limits based on the type of payment you want to make, including limits to the number of transactions you can make in a single day.
Xe’s fees and exchange rates can vary depending on the type of payment you make, where it’s headed and the value. It’s well worth comparing a few options before you decide to process your transfer with Xe Money Transfer, looking at alternatives like those we’ve outlined here, including Wise and OFX. You might find you can get a faster, cheaper and more convenient transfer, with higher transfer limits, using a different service.
Xe Money Transfer international transfer limits FAQs
How much can I transfer with Xe Money Transfer internationally online?
Xe Money Transfer has a fixed limit of 500,000 USD or the currency equivalent per day for personal payments. This limit does not apply on business transfers. Aside from the daily limit, you may also find there are lower limits based on the type of payment you want to make, including limits to the number of transactions you can make in a single day.
What is the maximum amount you can transfer abroad with Xe Money Transfer?
As a personal customer you can send up to 500,000 USD per day with Xe Money Transfer. Business payment limits work differently and may be set according to the way your business transacts and the specific payment you need to make.
How can I increase the Xe Money Transfer maximum transfer limit?
Xe Money Transfer does not detail any ways to increase your transfer limits. If you need to send more than the 500,000 USD limit, you may want to talk to the high value payment support team on the phone to get advice about your options. You can also look at other providers which can offer higher limits on outgoing payments, such as Wise or OFX.
