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Xendpay review

Important information. Xendpay does not currently support outgoing transfers from the USA. The service may be offered in the future, but in the meantime you can compare your options in our table.
Xendpay
Fastest Transfer Speed
3 days
Minimum Transfer Amount
$1
Maximum Transfer Amount
$100,000

Summary

Send to over 150 countries and pay no fees on bank or debit transfers up to $2,000.

Xendpay is an international money transfer service that allows you to send money to friends and family in 173 countries and over 45 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 your first $2,000 sent with Xendpay.

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  • Ask a question

Compare options that send out of the US

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
1 - 14 of 14
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Airwallex
Airwallex
Within minutes
$0
After spending $15k in your first 90 days, receive a one-time $500 bonus that will automatically be credited to your account on any FX conversion.
Airwallex can help you make business payments to 150+ countries in 60+ currencies.
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Cash App
Within minutes
From $0
With this peer-to-peer payment app make payments to your friends and family with no transfer fees within the US or from the US to the UK or EU.
Instarem
24 hours
From 0%
New Instarem customers will get a special FX rate and zero-fees on their first transfer.
Instarem offers offers rewards on every transaction.
MoneyGram
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Western Union
Within minutes
From $0
Enjoy $0 fee on your first online transfer. Western Union makes money from currency exchange. Not valid on credit cards or sends to Cuba.
Western Union sends money online to friends and family in 200+ countries and territories around the world.
OFX International Money Transfers (Business)
24 hours
$0
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
CurrencyTransfer for Business
24 hours
$0
Increase business efficiency with zero transaction fees and same-day transfers.
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Xe Money Transfer for Business
24 hours
$0
Save your time and money with Xe Money Transfer for business.
Currencies Direct (business)
24 hours
$0
Minimizes costs of international transactions and offers custom solutions for business clients. Currencies Direct may call you to confirm your transfer, so be prepared for a phone call shortly after initiating a transfer.
Xe
Within minutes
$3
Xe has fast transfers with low fees and a range of foreign currency tools.
CurrencyTransfer
24 hours
$0
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Currencies Direct
24 hours
$0
CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates. Currencies Direct may call you to confirm your transfer, so be prepared for a phone call shortly after initiating a transfer.
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How much will I pay to send with Xendpay?

Xendpay allows users to choose their transaction fee for the first $2,000 they send. You can even choose to pay no fee at all. After sending $2,000, 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.
  • SOFORT payments. Available in Austria, Belgium, Czech Republic, France, Germany, Hungary, Italy, Netherlands, Poland, Slovakia, Spain, Switzerland and the UK.

You can send as little as $1 up to $900 before verification and $100,000 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 $2,000 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

  • Cannot send from US. Outgoing transfers from the US are not possible, you can only receive money through Xendpay if you’re in the US.
  • 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 $2,000 you send.
  • Long transfer speeds. It can take up to 4 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 or credit card, bank transfer or SOFORT.
  • 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 canceled 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 through Friday from 8:30 a.m. to 5:30 p.m., 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.

Questions you’ve asked about Xendpay

How long will it take for my money to arrive with Xendpay?

Transaction speeds vary by country but typically your recipient will receive your transfer in one to four business days.

What phone platforms are compatible with the Xendpay app?

The Xendpay mobile app is for iOS devices only.

How does Xendpay notify me on the progress of my transfer?

You’ll receive email and dashboard notification at every step — from confirmation of your transfer to delivery to your recipient.

Whether products shown are available to you is subject to individual provider sole approval and discretion in accordance with the eligibility criteria and T&Cs on the provider website.

Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
OFX International Money Transfers (Business)
24 hours
$0
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
Xe
Within minutes
$4
Xe has fast transfers with low fees and a range of foreign currency tools.
MoneyGram
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.