XE vs Send Payments: Fees & Reviews Compared (2025)

Below we compare them on their fees and reviews.

Sections

Fees

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

	XE	Send Payments
Trustpilot Rating	4.3	4.9
Number of Trustpilot Reviews	61,500	250
iOS App Rating	4.3	N/A
Number of iOS App Reviews	5,300	N/A
Android App Rating	3.5	N/A
Number of Android App Reviews	113,000	N/A

Data taken from relevant websites at time of publication.

	XE	Send Payments
App Transfers	Yes	No
Online Transfers	Yes	Yes
Phone Transfers	No	Yes
In-person Transfers	Yes	No
Available Countries	170	180
Number of Currencies	50	37
Payment Methods	Bank account Debit card Credit card Check Direct debit BillPay BPAY PayID Interac	Bank account PayID POLi
Receiving Methods	Online wallet Bank account Cash pickup	Bank account
Cash Pickup Option	Yes	No
Payments Flexibility	Web platform Mobile app	Web platform Phone
Supported Languages	English, German, Spanish, French, Portuguese, Italian, Swedish, Arabic, Japanese, and Chinese	English
Transfer Speed	1-4 days	0-2 days
Dedicated Dealer	Only for customers transferring above $70,000	Yes
Instant Custom Quote	Yes	No
Business Features	Spot contracts Forwards contracts Market orders Digital multi-currency wallet Rate alerts API portal	Spot contracts Delayed contracts Limit orders Stop-loss orders Recurring transfers
Debit Card	None	None
Cancellation Policy	Only for cash pick-up transfers when the cash hasn’t been collected by the recipient	Most money transfers can be canceled upon contacting Send Payments. Note that transfers that have been completed are seldom refunded.
Suitability	Small and large money transfers	Small and large money transfers

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

	XE	Send Payments
Year Founded	1993	2018
Headquarters	Newmarket, ‎Ontario‎, ‎Canada	Gold Coast, Queensland, Australia
Other Office Locations	Canada, Australia, the US, the UK, and New Zealand	Sydney and Melbourne (Australia)
Annual Trading Volume	£15 billion	AU$200 million
Number of Employees	350	60
Number of Clients	150000	N/A
Regulatory Institutions	FinCEN in the USA FINTRAC and OSFI in Canada FCA in the UK ASIC in Australia	ASIC and AUSTRAC in Australia
Awards	International Money Transfers Outstanding Value Award (Canstar, 2021)	Best International Money Transfer Provider (Mozo Experts Choice Awards, 2020) Finnies Finalist (FinTech Australia Awards, 2020) Most Promising Money Transfer Service for 2022 (MoneyTransferComparison, 2022)

Data taken from company websites and other third-party sites. It was believed to be accurate at the time of publication but may have since changed.

A large selection of payment methods
Top-tier customer service
Stellar Trustpilot score
No transfer fees
Favorable exchange rates
Fast money transfers
Personalized care with dedicated account managers
Customizable business tools including stop orders, limit orders, and delayed contracts
180 countries available
Slick web design

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

See More Comparisons:

	XE	Send Payments
Homepage
Transfer Fee	£2.00 under £250 (UK) €2.00 under €250 (EU) No fee for other sums	No fee
Average Exchange Rate Markup	0.2% to 1.4%	0.01
Minimum Transfer Amount	$1	AU$250
Maximum Transfer Amount	£350,000 (UK and EU) $535,000 (US) CAD $535,000 (Canada) NZD $750,000 (New Zealand)	No limit (AU$25,000 for recurring, daily transfers).