XE fees and payment methods
- A transfer fee may apply and is displayed in the quote.
- Card funding is faster but can cost more than bank or direct-debit funding.
- US customers can use ACH on eligible transfers; there is no separate ACH payment-method fee, but a send fee may still apply.
- Correspondent or recipient-bank deductions can apply on some payments.
Do not rely on the legacy claim that every XE transfer is fee-free.
XE timing, limits and safety
XE says delivery commonly takes one to four business days after it receives cleared funds. Bank, wire or ACH funding can add several days before XE sends the payment.
Limits and delivery choices depend on sending market, destination, currency, payment method and verification. Check the live flow instead of using old universal limits.
Verify recipient details carefully. Compliance screening can extend the estimate, and a completed transfer may not be recoverable.