HiFX: Competitive International Money Transfers

Save time and money when you send a secure international money transfer with HiFX.

HiFX has been offering its affordable international money transfer services since 1998. Founded out of frustration at the poor value for money on offer from the big banks, HiFX is part of Euronet Worldwide, which also owns Ria Money Transfer. Every year, more than 100,000 people and 6,000 businesses use HiFX to send funds overseas.

Rates last updated January 19th, 2017
Description Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received
HiFX International Money Transfers
HiFX International Money Transfers
Transfer money between 20 currencies and enjoy scheduled regular transfers. No fee for transfers over US $5,000. USD 100 2 days Online, Phone, Agent Go to site More

It prides itself on offering better exchange rates than the banks. It also charges minimal fees on transfers, with a flat $5 fee applying to transactions under $5,000 and fee-free transfers when you send $5,000 or more. It offers transfers to more than 190 countries around the world and every transaction is backed by bank-class security measures and professional customer service.

What are HiFX’s exchange rates?

HiFX regularly offers exchange rates that are superior to those offered by big banks across America. With rates linked to live foreign exchange markets, HiFX updates its rates regularly to keep pace with changing market conditions. The rate you are offered will continue to fluctuate right up until the moment you confirm your transaction with HiFX. Of course, exchange rates won’t change while the market is closed over the weekend.

To check out the exchange rates on offer from this provider you will need to sign up for a free account online. The rate you will receive for your transaction varies depending on the amount you’re sending, the currencies you’re transferring, and the market exchange rates at the time you place your transfer.

How much does it cost to transfer money with HiFX?

The fee structure in place at HiFX is incredibly straightforward. If you transfer less than $5,000, you will need to pay a flat fee of $5. But if you send $5,000 or more you will not have to pay any fees on your transfer. The total cost of your transaction will be clearly displayed throughout the transfer process so that you are fully aware how much money you will need to hand over.
How safe is HiFX money transfer?

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What are the minimum transfer amounts and available countries?

HiFX allows you to transfer amounts of between $100 and $500,000 online. Transfers can be placed 24 hours a day, 7 days a week and you can send money to more than 190 countries. Log into your HiFX account to access a full list of the destinations to which you can transfer funds.

HiFX allows you to transfer funds in the following currencies:

  • AED: United Arab Emirates Dirham
  • AUD: Australian Dollar
  • CAD: Canadian Dollar
  • CHF: Swiss Franc
  • CNY: Chinese Yuan
  • CZK: Czech Koruna
  • DKK: Danish Krone
  • EUR: Euro
  • GBP: Great British Pound
  • HKD: Hong Kong Dollar
  • ILS: Israeli Shekel
  • JPY: Japanese Yen
  • MXN: Mexican Peso
  • NOK: Norwegian Krone
  • NZD: New Zealand Dollar
  • PLN: Polish Zloty
  • SEK: Swedish Krona
  • SGD: Singapore Dollar
  • USD: US Dollar
  • ZAR: South African Rand
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What types of transfers can you carry out with HiFX?

HiFX allows its customers to place one-off spot orders at any hour of the day, with a required minimum transfer amount of at least $100. You can pay for your transaction with funds from a bank account in your name, and within 1-4 business days the money will be deposited into your recipient’s bank account overseas.

If you ever experience a problem or need help with a transaction, HiFX operates a toll-free help number to provide the assistance you need. The company’s office opening hours are 6am to 6pm PST, but you can also send an email request for assistance at any time.

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The registration and transfer process

You’ll need to sign up for a HiFX account before you can send money anywhere. This is entirely free to do and you will need to provide your name, email address, country of residence and residential address, social security number, and proof of ID.

Once your account has been created you can login and select the currencies you wish to transfer from a drop-down list. After you’ve chosen the amount you wish to transfer you can enter a few specific details about your recipient, including their name and bank account details.

The next step is to enter your payment details – you must pay for your transaction with a transfer from a bank account in your name. Finally, you will be given a chance to review the exchange rate, fee, and total cost of your transaction and then confirm that you would like to send the funds.

You’ll receive email notifications to keep you up to date with the progress of your funds, which should arrive in your recipient’s account within 1-4 working days.

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What are the pros and cons of using HiFX?


  • Safe and secure. Licensed as a Money Transmitter Business, HiFX’s transactions are sent using Norton online security technology.
  • Trusted company. HiFX is part of Euronet Worldwide, the third largest money transfer provider in the world. In 2013 alone, Euronet processed more than $60 billion of payments for many of the world’s leading companies.
  • Minimal fees. Sending less than $5,000 with HiFX attracts a $5 fee, while transfers of $5,000 or more do not attract any fees.
  • Large transfers allowed. HiFX allows transfers of up to $500,000.


  • Exchange rates not readily visible. If you want to compare HiFX’s exchange rates with the rates offered by other companies you will need to sign up for an account.
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What other products and services does HiFX offer?

HiFX also offers its international transfer services to business customers. From small businesses through to much larger operations, HiFX aims to help businesses save time and money when sending and receiving international payments. With no setup or maintenance fees, a suite of online currency tools, and professional customer support, HiFX’s service is designed to offer easy online transfers for businesses.
Looking for an alternative? Check out these services similar to HiFX.

Frequently asked questions

How do I pay HiFX for a transfer?

You will need to pay HiFx by bank transfer from a bank account in your name. You’ll find HiFX’s bank details specific to your payment in the ‘Summary of Open Transaction’ page in your online account.

What is the minimum transfer amount?

The minimum amount you can send overseas with HiFX is $100.

How does HiFX make money if it charges minimal fees?

While $5 fees apply to transfers of less than $5,000, the main way HiFX makes money is on the spread, which is the difference between the prices at which it buys and sells currency. Because it deals in large volumes and has lower overheads than the banks, HiFX can offer better exchange rates to its customers than you would find from your bank.

How do I know if HiFX has sent my payment?

The company provides email and SMS notifications as soon as it has made a payment. You can also track the progress of your transaction through your HiFX account.

Can I cancel a transaction?

No. Once you have confirmed an exchange rate you are unable to cancel your transaction or change any details.

HiFX is definitely worth considering when you need to send a fast and secure international money transfer, but make sure to compare a range of transfer options before choosing the right provider for you.

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