This article contains links to products or services from one or more of our advertisers or partners. We may receive a commission when you click or make a purchase using our site. Learn more about how we make money.

Xendpay international money transfers review December 2020

Send to over 200 countries and choose to pay zero fees on bank or debit transfers up to GBP£2,000 every year.

Updated

Fact checked
This product is not currently available via Finder. Visit the provider's website directly, or compare other options.

Xendpay is an international money transfer service that allows you to send money to friends and family in over 200 countries, including Ireland, and in over 50 currencies. Its “pay what you want” suggests a transaction fee, but you can choose to pay more or less than the suggestion — or even no fee at all — for the first GBP£2,000 or currency equivalent sent with Xendpay.

How much will I pay to send with Xendpay?

Xendpay allows users to choose their transaction fee for the first GBP£2,000 they send. You can even choose to pay no fee at all. After reaching this limit, you pay a low transfer fee that depends on the currency of your recipient — in most cases within 1.4% of your total transaction amount.

If you’re sending to a mobile wallet or paying with a credit card, you’ll pay higher fees of up to 2.6% of your transaction amount.

How are Xendpay’s exchange rates?

Xendpay’s exchange rates vary by recipient country and currency but tend to be stronger than banks and most other services, according to users and Trustpilot.

What type of transfer does Xendpay support?

Xendpay supports online bank-to-bank transfers from your computer or its iPhone app to bank accounts or mobile wallets.

You can fund your transfer in three ways:

  • Debit or credit card. The name on the card must match the name on the Xendpay account.
  • Bank transfer. Process the transfer using the Xendpay banking details you receive in your confirmation email.

You can send as little as EUR€1, up to about EUR€774 before verification and EUR€86,048 after verification.

Pros and cons of using Xendpay for money transfers

Pros

  • Pay what you want. You can choose your own fee up to an initial GBP£2,000 or currency equivalent in transfers.
  • It’s secure. Xendpay is registered with the UK’s Financial Conduct Authority.
  • Competitive exchange rates. Xendpay’s rates are often stronger than banks and other services.
  • iPhone app. Allows transfers from iOS mobile devices.

Cons

  • Limited delivery options. Transfers to bank accounts and mobile wallets in select countries only.
  • Limited no-fee intro. “Pay what you want” applies only to the first GBP£2,000 you send.
  • Long transfer speeds. It can take up to four days for your recipient to receive the funds.
  • No recurring payments. At this time, you can’t schedule recurring payments with Xendpay.

How do I send money through Xendpay?

It’s easy to set up an account with Xendpay and send money:

  • Log in or set up a free account. Create an account with your email address, ID, proof of address and proof of funds.
  • Enter your transfer details. Including the amount and your recipient’s country.
  • Enter your recipient’s details. If you’ve sent them money before, simply pull up the saved information.
  • Make your payment. Pay with a debit, credit card or bank transfer.
  • Track the transaction. Confirm your transfer’s progress on your dashboard.

Once you’ve sent money to a friend or family member, you can pull up their information for more convenient future transfers.

Tracking your order

Xendpay provides notifications for each stage of your transfer. You can receive these by email.

Notifications are sent out to confirm your transfer, once Xendpay receives your money and when your payment reaches its destination.

Cancelling your order

Orders can’t be cancelled unless you contact Xendpay before the end of the business day that your order is placed. It should be noted that Xendpay is headquartered in London and customer service operates Monday to Friday from 8:30 AM to 5:30 PM, local time.

Bottom line

Xendpay offers great rates and little fees for sending money securely to people in other countries. Its mobile app for iOS makes it even more convenient for those with iPhones and iPads.

Ultimately, you’ll want to compare Xendpay’s rates and fees against other money transfer specialists to find a service that’s right for your needs.

Compare Xendpay money transfers with other global brands

Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds overseas with our money transfer partners.

Data indicated here is updated regularly
Name Product Minimum Transfer Transfer Time Transfer Fee
TransferWise - Ireland
EUR 1
1-2 days
Varies
Azimo - Ireland
GBP 10
Instant
Varies
Remitly - Ireland
EUR 0
1-5 days
EUR 2.99
Skrill - Ireland
EUR 50
1 day
None
XE Money Transfers - Ireland
EUR 1
Same day
EUR 0
WorldRemit - Ireland
EUR 1
Same day
Varies
CurrencyFair - Ireland
EUR 5
1-2 days
Varies
loading

Compare up to 4 providers

Questions you’ve asked about Xendpay

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site