XE.com Reviews 83,091

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the service provided, highlighting its efficiency and ease of use. Many reviewers have been using the platform for years, citing smooth and fast transactions, often completed within the same day. People also value the competitive exchange rates offered, especially for larger funds where tailored rates are available. The user-friendly experience is another frequently praised aspect, with consumers noting the simplicity of securing rates and sending money. However, some consumers have reported ambiguous experiences concerning payment and response times. A few reviewers mentioned delays in receiving funds and issues with payment methods, including debit card processing and reference number requirements for bank transfers. Others have expressed concerns about the exchange rates not always being as favorable as expected and about unexpected fees. While the majority are satisfied, these varying experiences suggest that there is room for improvement in these specific areas.

Based on these reviews

Rated 4 out of 5 stars

The exchange is easy to book on line and rates are reasonable with no extra charges. A more prompt receipt when paying on a Sunday would be appreciated. You really need to fix the reference no., wh... See more

Rated 4 out of 5 stars

Money was received eventually, but it took longer than planned. Sending money to Korea sometimes has problems so I was partially expecting it but it was difficult to solve. Customer service was fast w... See more

Rated 5 out of 5 stars

Once you haved use the site once, all other tranactioins are easy as details are stored. It takes only a minute or two but security is also strong on the XE website and e-mail confirmatioins follow so... See more

Rated 5 out of 5 stars

Having someone at the other end of the phone who obviously knew what they were doing eased the stress that this procedure causes to someone 80 years old and afraid to carry out banking, getting codes,... See more

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Rated 3 out of 5 stars

I am sure the system had changed since my previous usage, so was unfamiliar. The worst bit was the new security mumbo-jumbo introduced part-way through. I knew about it, so was forearmed; but it is a... See more

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Rated 5 out of 5 stars

Been using XE for business for about 6 years doing many transactions and XE personal for about 3 years, but much less transactions. Have never had a problem. Transactions are quick and cost effective... See more

Rated 5 out of 5 stars

I've been using this platform for transferring funds since 2020. The exchange rates have always been competetive and more importantly the transfer been so smooth and fast. The range of funds I have t... See more

Rated 5 out of 5 stars

You guys have been so wonderful and efficient since have been using your services for so long now. Please keep putting smiles on our faces for your team work towards delivering our services more fast... See more

Rated 5 out of 5 stars

Used XE on and off since 2020. Probably around 15 transactions. Never had any issues. Funds delivered smoothly in timely manner often same day or within 24 hours. The one time I needed... See more

Rated 5 out of 5 stars

I like the fact that rates are much better than the competition or alternative options, while adding very reasonable fees. Money takes a bit longer to receive but the security guardrails and the proce... See more

Rated 5 out of 5 stars

I have been using this platform for many years to remit money to India. It is one of the most trustworthy, best exchange rate providers, and fastest platforms for remittances. Many platforms advertise... See more

Rated 5 out of 5 stars

The first transfer took a while to be delivered because of the security checks done when setting up a new business account. Now that our account is setup, I expect future transfers will be faster. F... See more

Rated 5 out of 5 stars

XE is my go-to for sending money between Aus and NZ. Quick and easy process, often free transfers and the funds usually arrive by the next day (sometimes even on the same day!!). Highly recommend to a... See more

Rated 5 out of 5 stars

Quick, effective method of moving your money between countries, without the stress. XE guides you through the process & helps obtain better rates for larger amounts. We totally recommend XE to anyone... See more

Rated 5 out of 5 stars

As always, the money transfer between the UK and France was handled seamlessly, efficiently and expediently (less than one hour) by XE. The exchange rate offered was also very good too. By my experi... See more

Company replied

Rated 5 out of 5 stars

We have been XE clients for over 4 years. We have been satisfied with its services. The customer support respond to our queries promptly. In the last year the service has even improved with access to... See more

Rated 1 out of 5 stars

Been using XE for several years regularly with "live rates" always. Now recently, "live rates" is gone..?? The rate only updates ONCE upon proceeding to "confirmation". I find this annoying..! How can... See more

Company replied

Rated 5 out of 5 stars

Amazing work! when i started send i was sceptical about the site but man i me and my wife was supposed to send almost 30k to purchase something but sadly we could only send 5400 each transaction other... See more

Rated 5 out of 5 stars

Although I have not needed nor used XE in the past few years, that need changed recently. I was able to perform an out of country transfer using my previous profile without a hitch. Worked exactly a... See more

Rated 5 out of 5 stars

I came across this platform while looking for a reliable and best conversion rate. I have been using XE for more than 3 years now to send the money to India, usually it takes 2-3 days on normal transf... See more

Rated 1 out of 5 stars

Xe accepted then rejected the payment I sent saying it had to come from my personal account, not my business account. They advertize that they will send for business or personal. Not true! I even sent... See more

Company replied

Rated 2 out of 5 stars

XE.com, I've been with you since you were calle HiFx, You used to have much more competitive exchange rates. A few basis points different from the interbank. Now the rates are over a full percenta... See more

Company replied

Rated 1 out of 5 stars

You confirmed my account, identify etc, emailed me all was good, accepted my money and a day later I’m told the transaction could not go through so I confined everything again, and all seemed ok. Two... See more

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Rated 1 out of 5 stars

Compared to the other apps, this one is very slow in processing payments. Sent the exact amount of $ with Remitly and it was processed in minutes. 3 days later, I'm still waiting for a confirmation... See more

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Rated 1 out of 5 stars

I asked for a transfer from my scottish account to my Australian account. XE transferred my money into Australian dollars and then transferred it back to my scottish account. so I have now paid to hav... See more

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Rated 3 out of 5 stars

You quote 3-days, but my transfers to Philippines always seem to take 4-days. Using ACH x-fer because MasterCard Debit transfers stopped working some months ago after few years of successfel 7-minute... See more

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Rated 1 out of 5 stars

I am not satisfied with the recent money transfer I made through XE. Despite providing all the required details promptly, the transfer took almost five days to complete. This delay was unexpected a... See more

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Rated 3 out of 5 stars

In recent weeks, the prices offered during the transfer of euros into Mauritian rupees have been much lower than the official price. This was not the case before. Example for a course 1€ for 54.39 r... See more

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Rated 1 out of 5 stars

Great News, my rating went front 3 starts to 1 since 0 is not available. I posted a review anonymously, a generous review and the idiots reply to it in my rear name. I don't know what is more incompe... See more

Company replied

Rated 1 out of 5 stars

First: the list of intrusive questions regarding my recent recipient (e.g. When did you meet her? Have you ever been to UK? etc.). I repeatedly asked the purpose for them, but received only gobbled... See more

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Rated 2 out of 5 stars

I made a transfer using my Mastercard & was charged both a $10 fee & a $100 fee by "Square Inc" I neither know about anything about nor authorized this transaction which was deducted a... See more

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Rated 3 out of 5 stars

Xe are usually efficient. But they fail to make clear one key cost factor in their communication: if you transfer USD - even from one UK account to another also in the UK - an intermediary bank (pres... See more

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Rated 3 out of 5 stars

One among many The user interface is reasonably clean and intuitive. However, the fees are not straightforward. Using a standard $3 fee for ANY amount under $1,000 is arbitrary - making it a bad va... See more

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Rated 3 out of 5 stars

At least 4 days elapsed in "in progress" mode between receipt of my US dollars until it was sent to my foreign bank, and then it took 3 more days until the money posted at the destination. This is con... See more

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Rated 1 out of 5 stars

Poor delivery time, poor updating on the progress, not dependable. When I was told the money would be available for pickup today, after it had already been delayed for days, it was still not available... See more

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Rated 3 out of 5 stars

Does not run workflow over the weekend or official holidays. Your money gets stuck in-between and cannot be credited to the target account until it is Monday morning (local-time). If you need to s... See more

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Rated 3 out of 5 stars

It is easy to make the transaction and money arrives the same day in the French bank account. The rate of exchange is not the best, for example I get a better rate on my UK credit card when using it... See more

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Rated 2 out of 5 stars

I initiated a routine debit card transfer via my account.Failed.Then used another debit card on same account. Failed Despite contacts with both XE and my Bank I am still no wiser as to why a second a... See more

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Rated 1 out of 5 stars

I discovered XE closed my account without warning when I signed in on the app this morning. The account had been conducted as intended for several years without issues. Your online help centre's... See more

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Rated 4 out of 5 stars

I like the system because it's reliable and makes transfers easier. However, the last two times I've had there problems with the interface. The first time I was left hanging on with no indication abou... See more

Rated 1 out of 5 stars

You will be asked to verify account after multiple transfers and then they take your money and keep it with them till the whole process is completed rather than withdrawing after verification proc... See more

Company replied

Rated 2 out of 5 stars

Within the past two months a change was made to the site regarding transfers of US funds into Canadian accounts. Formerly it was straightforward. Now it is convoluted and nonsensical. I believe it’s a... See more

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Rated 5 out of 5 stars

Easy. Good payment options... Card, bank transfer etc Really rapid process of transfer if made early enough in the day. From UK to Austria it usually takes about an hour from me paying £ to XE to r... See more

Rated 1 out of 5 stars

Good rates, horrible account management. They ask 10x the same question and documents by email and each time they dont actually review what was sent before. Useless back and forth, take your business... See more

Company replied

Rated 5 out of 5 stars

Generally all good, ‘BUT’ there was an issue with being able to pay, something changed, I cannot remember any notification about another party being involved, so cancelled the trade, as I’m nervo... See more

Rated 3 out of 5 stars

I honestly struggled how to rate XE because I’ve been transferring with them, monthly, for years and when you do a transfer their service is very very quick. However, on weekends and holidays they... See more

Company replied

Rated 5 out of 5 stars

I have used this company for a few years now, for a monthly exchange. I usually get the money during the same day, except for weekends when there is a slight delay due the the banking systems, not due... See more


Company details

  1. Money Transfer Service
  2. Currency Exchange Service

About XE.com

Written by the company

The World’s Trusted Currency Authority

For 30 years, individuals and businesses around the world have trusted Xe with their international money transfer and foreign currency needs. Whether you’re in search of competitive rates or a quick money transfer across the world, we want to give you a seamless experience that will help you save time and money.

Live Exchange Rates

Looking to know the exchange rate from the Pound sterling to the Indian rupee, right at this second? We have the answers for you. You can check live mid-market exchange rates for all major global currencies on the Xe Currency Converter. Our rates are accurate to the minute, and we also have a trove of historic currency data from the last 10 years.

Fast Money Transfers to 130+ Countries

Ready to send money? It’s a quick process. You can initiate a money transfer on our website and in our mobile app 24/7, within just a couple of minutes. Once the transfer is confirmed, it will travel quickly, with many of our transfers completing within the day. You’ll never wonder where your money is: we’ll communicate with you every step of the way, and you can track the status of your money transfer in our app.

Dedicated Service

Need anything? We’re here for you. We know that initiating an international money transfer online can be nerve-wracking, and we want to ensure that you have everything you need to feel safe and confident throughout the process. If you have questions or would like additional help with your money transfer, our currency experts are available by phone and online to walk you through the process and address any questions.

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Contact info

4.4

Excellent

TrustScore 4.5 out of 5

83K reviews

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Rated 1 out of 5 stars

Multiple failed transactions.

Multiple failed transactions.

No guarantee that the money will be credited to the beneficiary's account. They will return the funds to the original account, but it may take 2-4 days for the refund to process. Customer service is unhelpful.

February 10, 2026
Unprompted review
Rated 3 out of 5 stars

Much slower process than it should be.

What concerns me the most about using the money transfer option, is just the speed at which the transaction takes place. It seemed very slow. I initiated the transfer on January 29th, and it was completed on the February 3rd. I understand the 31st of January and the 1st of February was over the weekend, and (I add very sarcastically,) no one ever works on weekends. And, (continuing the sarcasm,) machines certainly are incapable of operating on weekends. This should be an automated procedure. No human hands other than mine need be involved. It is baffling how in today's technological society, that a transaction like this should take more than 24 hours.

The reason this tends to be important, is the receiver of the money is an account that begins charging me interest if my payment is late. The bill had already crossed the Atlantic ocean via snail mail, and the receiver doesn't take credit card, which would make the transaction so much faster. But, rather they need antiquated bank transfers. XE helps ensure that my money does NOT arrive quickly enough so that I possibly earn extra charges.

January 30, 2026
XE.com logo

Reply from XE.com

Dear Michael,

Thank you for giving us feedback on the time that it took for your recipient to receive your transfer.

We’re sorry that this transfer has taken longer than you expected.

Sending money by ACH is a little slower than other payment methods. This is because we need to receive your money before we can transfer it to your recipient. This can take up to 3 working days. Once we’ve received your money, your recipient should receive it within 1-4 working days.

For urgent transfers, a different payment method might be better for you. [You can find all of your payment options here.](https://help.xe.com/hc/sections/360005599978)

Please do reach out to us if you have any further questions – [you’ll find our contact details here.](https://help.xe.com/hc/en-gb/p/contact-us)

Rated 1 out of 5 stars

weird to get a 'how did we do?' prompt…

weird to get a 'how did we do?' prompt to review when my money hasn't been received yet?

February 6, 2026
XE.com logo

Reply from XE.com

Hi Kathleen,

Thanks so much for your review!

Your transfer was sent out yesterday. It’ll most likely show up today, but sometimes it can take anywhere from 1–4 days to land. If you have any questions in the meantime, just let us know!

Rated 5 out of 5 stars

Everything works smoothly

Everything works smoothly. Easy to navigate through the site to accomplish a transfer. Using Interac transfer is easy, and money arrives a destination the same or next day.

February 5, 2026

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