{"id":218813,"date":"2019-07-10T14:50:22","date_gmt":"2019-07-10T04:50:22","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=218813"},"modified":"2026-10-21T11:47:10","modified_gmt":"2026-10-21T10:47:10","slug":"xe-vs-torfx","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx","title":{"rendered":"Xe vs TorFX"},"content":{"rendered":"<p>When you\u2019re transferring your British pounds to another currency, you want to make sure you\u2019re getting the best deal. We\u2019ve compared <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/xe-small-transfer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Xe%22%2C%22site%22%3A%22UKFMT%22%2C%22offer_id%22%3A%2221698%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%22%2C%22product_name%22%3A%22Xe%22%2C%22provider_id%22%3A%229acfba19-5f93-44dd-8413-ac9a32d54acf%22%2C%22provider_name%22%3A%22Xe%2B-%2BUK%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\">Xe<\/a> and <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/torfx-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22TorFX%22%2C%22site%22%3A%22UKFMT%22%2C%22offer_id%22%3A%222051%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22product_id%22%3A%228c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22product_name%22%3A%22TorFX%22%2C%22provider_id%22%3A%2264a2a905-a4d9-4a7a-8627-8b13be9d9dce%22%2C%22provider_name%22%3A%22TorFX%2B-%2BUK%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\">TorFX<\/a>, 2 popular international transfer services, to see which one is better value, faster and most likely to offer what you need.<\/p><h3>Xe and TorFX at a glance<\/h3><div data-category=\"\" data-niche=\"UKFMT\" data-fieldset=\"vs_vital_statistics\" class=\"UKFMT vs_vital_statistics \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th><\/th><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-money-transfers\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png\" alt=\"Xe - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/torfx-foreign-currency-exchange\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png\" alt=\"TorFX - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><\/tr><tr><th>Overall rating<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"luna-stars luna-stars__fill--90 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span><\/td><td class=\"i_infobox_data product_infobox_data\"><span class=\"luna-stars luna-stars__fill--90 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span><\/td><\/tr><tr><th>Arrange transfers online<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Arrange transfers through app<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th>Arrange transfers by phone<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Founded<\/th><td class=\"i_infobox_data product_infobox_data\">1993<\/td><td class=\"i_infobox_data product_infobox_data\">2004<\/td><\/tr><tr><th>Based<\/th><td class=\"i_infobox_data product_infobox_data\">Newmarket, Canada<\/td><td class=\"i_infobox_data product_infobox_data\">Penzance, UK<\/td><\/tr><tr><th>FCA reference<\/th><td class=\"i_infobox_data product_infobox_data\">462444<\/td><td class=\"i_infobox_data product_infobox_data\">900706<\/td><\/tr><tr><th>Link<\/th><td class=\"i_infobox_data product_infobox_data\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/xe-small-transfer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22infobox%22%2C%22fieldset%22%3A%22vs_vital_statistics%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%252C8c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"btn btn-success has-margin-bottom-xsmall\" title=\"Apply Now\">Go to site<\/a><\/td><td class=\"i_infobox_data product_infobox_data\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/torfx-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22infobox%22%2C%22fieldset%22%3A%22vs_vital_statistics%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%252C8c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"btn btn-success has-margin-bottom-xsmall\" title=\"Apply Now\">Go to site<\/a><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h3 id=\"cost\">Which is cheaper: Xe or TorFX?<\/h3><div id=\"comparisongo\"><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\" data-niche=\"UKFMT\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\n(function () {\n  const fsniche = \"ukfmt\";\n  const getEventToListenTo = () => {\n    if (window.matchMedia('(any-hover:none)').matches) {\n      if (window.matchMedia('(max-width: 450px)').matches) {\n        return \"scroll\";\n      }\n    }\n    return \"DOMContentLoaded\";\n  };\n  const eventToWatch = getEventToListenTo();\n  const waitForLoadOnTheFly = (callback, maxAttempts = 50) => {\n    let attempts = 0;\n    const checkAndExecute = () => {\n      attempts++;\n      if (window.loadOnTheFly && window.loadOnTheFly.html) {\n        callback();\n      } else if (attempts < maxAttempts) {\n        setTimeout(checkAndExecute, 100);\n      } else {\n        console.error('loadOnTheFly.html not available after maximum attempts');\n      }\n    };\n    checkAndExecute();\n  };\n  \/\/ Two tables of the same niche output this script twice; load that niche's modal once.\n  window.finderScoreModalsRequested = window.finderScoreModalsRequested || {};\n  const loadFinderScoreModal = () => {\n    window.removeEventListener(eventToWatch, loadFinderScoreModal);\n    if (window.finderScoreModalsRequested[fsniche]) return;\n    window.finderScoreModalsRequested[fsniche] = true;\n    setTimeout(function () {\n      var partialId = \"\" || 'finder-score-' + fsniche + '-modal-optimized';\n      waitForLoadOnTheFly(() => {\n        window.loadOnTheFly.html('partial', { id: partialId }, function (response) {\n          document.getElementsByTagName(\"body\")[0].appendChild(response);\n          var modal = document.getElementById('finderScoreModal-' + fsniche);\n          var closeButton = modal.querySelector(\"#closeButton\");\n          closeButton.onclick = function () { modal.classList.add(\"elementHidden\"); };\n          var btnReadMethodology = modal.querySelector(\"#btnReadMethodology\");\n          btnReadMethodology.addEventListener(\"click\", function () { modal.classList.add(\"elementHidden\"); });\n          window.addEventListener(\"click\", function (event) {\n            if (event.target == modal) { modal.classList.add(\"elementHidden\"); }\n          });\n        });\n      });\n    }, 1000);\n  };\n  window.addEventListener(eventToWatch, loadFinderScoreModal);\n  window.showFinderScoreModal = window.showFinderScoreModal || function (niche) {\n    var attempts = 0;\n    var existCondition = setInterval(function () {\n      const modalLoaded = document.getElementById('finderScoreModal-' + niche);\n      if (modalLoaded) {\n        clearInterval(existCondition);\n        modalLoaded.classList.remove('elementHidden');\n      } else if (++attempts > 40) {\n        clearInterval(existCondition);\n      }\n    }, 500);\n  };\n})();\n<\/script>\n<div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"\" data-template=\"comparison\" data-niche=\"UKFMT\" data-site=\"UKFMT\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"calculatingmultiplecurrencies\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"218813\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFMT\",\"fieldset\":\"calculatingmultiplecurrencies\",\"template\":\"comparison\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794023051}' data-disable-alternative-products=\"true\" data-post-redirect-alternative-products-enabled=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-\">2 of 2 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated regularly<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFMT\" data-site=\"UKFMT\" data-table-id=\"2884\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFMT\",\"fieldset\":\"calculatingmultiplecurrencies\",\"template\":\"comparison\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794023051}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfmt\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"2\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"7a2aaca95569737470b437fed6d53b9cdb5c4340e51742ada48165334e2609f9\" data-table-record-type=\"product\" data-table-record-ids='[\"3ed994bf-26ce-4641-b042-5d75aa48810a\",\"8c56e709-383d-428b-981f-0fca9e1a52c6\"]' data-total-data=\"2\" data-enable-top-filters=\"false\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"2\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-4\"><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"UKFMT.PRODUCT.DATAPOINT_FINDER_SCORE_V2\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Finder Score\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKFMT.PRODUCT.DATAPOINT_FASTEST_TRANSFER\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"fastest_transfer\">\n                                                        Fastest transfer\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKFMT.PRODUCT.DATAPOINT_TRANSFER_FEE_MULTIPLE_CUR\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"fee\">\n                                                        Fee\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-bottom no-padding-top sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"key_benefits\">\n                                                        Key benefits\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-sorter=\"fin-currency\" data-ajax-table-sorter-column=\"UKFMT.PRODUCT.CURRENCY_EXCHANGE_CALC_MULTIPLE_CUR\" class=\"comparison-table__feature calculator-data string-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"amount_received\">\n                                                        Amount received\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><\/tr><\/thead><tbody><tr data-product-id=\"3ed994bf-26ce-4641-b042-5d75aa48810a\" data-provider-id=\"9acfba19-5f93-44dd-8413-ac9a32d54acf\" data-product-name=\"Xe\" data-provider-name=\"Xe - UK\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-money-transfers\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png\" alt=\"Xe - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfmt')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-money-transfers\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Xe<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfmt.product.datapoint_finder_score_v2\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfmt')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.2<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfmt.product.datapoint_fastest_transfer\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fastest transfer\">\n                        Within minutes\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfmt.product.datapoint_transfer_fee_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        From \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    calculator-data string-bottom\" data-sorter=\"fin-currency\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"calculator,ukfmt.product.currency_exchange_calc_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Amount received\">\n                        N\/A<style>.comparison-table .comparison-table__feature--longtext { order: 1; } @media only screen and (max-width: 600px) { .comparison-table .comparison-table__cta { order: 2; } }<\/style><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":8.2,\"badges\":[],\"productId\":\"3ed994bf-26ce-4641-b042-5d75aa48810a\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/xe-small-transfer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFMT%22%2C%22fieldset%22%3A%22calculatingmultiplecurrencies%22%2C%22template%22%3A%22comparison%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794023051%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2221698%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%22%2C%22product_name%22%3A%22Xe%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to Xe - UK's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Xe\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.2,\"badges\":[],\"productId\":\"3ed994bf-26ce-4641-b042-5d75aa48810a\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"8c56e709-383d-428b-981f-0fca9e1a52c6\" data-provider-id=\"64a2a905-a4d9-4a7a-8627-8b13be9d9dce\" data-product-name=\"TorFX\" data-provider-name=\"TorFX - UK\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/torfx-foreign-currency-exchange\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png\" alt=\"TorFX - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfmt')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/torfx-foreign-currency-exchange\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">TorFX<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfmt.product.datapoint_finder_score_v2\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfmt')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfmt.product.datapoint_fastest_transfer\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fastest transfer\">\n                        Within minutes\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfmt.product.datapoint_transfer_fee_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom no-padding-top sorter-false\" data-sortvalue=\"Get a \u00a350 Amazon voucher for each friend you refer who transfers \u00a35,000 or more. T&amp;Cs apply.\" data-column-index=\"4\" data-decorator=\"text,global.value.table_offer\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Key benefits\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><div>Get a \u00a350 Amazon voucher for each friend you refer who transfers \u00a35,000 or more. T&amp;Cs apply.<\/div><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    calculator-data string-bottom\" data-sorter=\"fin-currency\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"calculator,ukfmt.product.currency_exchange_calc_multiple_cur\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Amount received\">\n                        N\/A<style>.comparison-table .comparison-table__feature--longtext { order: 1; } @media only screen and (max-width: 600px) { .comparison-table .comparison-table__cta { order: 2; } }<\/style><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":9.3,\"badges\":[],\"productId\":\"8c56e709-383d-428b-981f-0fca9e1a52c6\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/torfx-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFMT%22%2C%22fieldset%22%3A%22calculatingmultiplecurrencies%22%2C%22template%22%3A%22comparison%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794023051%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%222051%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22product_id%22%3A%228c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22product_name%22%3A%22TorFX%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta\" title=\"Go to TorFX - UK's site\">Go to site<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about TorFX\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.3,\"badges\":[],\"productId\":\"8c56e709-383d-428b-981f-0fca9e1a52c6\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count- comparison-table__dataCount\">Showing\n\t\t\t2\n\t\t\tof\n\t\t\t2\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKFMT\" data-rewards-component=\"compare-products\"><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for international money transfer services<\/h3>\n\n<p>To make comparing even easier we came up with the <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">Finder Score<\/a>. Fees, features and customer service across the most popular international money transfer services are all weighted and scaled to produce a score out of 10. The higher the score the better the service \u2013 simple.<\/p>\n\n<a class=\"luna-button luna-button--primary has-margin-bottom\" href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/methodology-for-international-money-transfer-scores\">Read the full methodology<\/a><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center has-padding-small\"><p>Please note: You should always refer to quotes you receive from transfer services themselves directly for exact amounts as they may vary from our estimates.<\/p><\/div><\/article><p>The fees and rates used in this comparison are accurate as of 21 October 2026.<\/p><h4>Which charges lower fees?<\/h4><p>With Xe, you might pay a \u00a32 to \u00a33 fee for amounts below \u00a31,000, depending on the currency. The fee is scrapped for transfers above that amount. TorFX doesn\u2019t charge any fees at all. <\/p><p>This means TorFX pips Xe to the post if you\u2019re purely looking at fees. However, both providers add a margin to their exchange rates, so pay close attention to the total cost of your transfer. TorFX focuses primarily on larger transfers, so may be less competitive at the bottom end.<\/p><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Tropy-icon-fmt.png\" alt=\"Trophy icon\" width=\"28\" height=\"28\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Tropy-icon-fmt.png?fit=84 84w\" sizes=\"(max-width: 84px) 100vw, 84px\" loading=\"lazy\"><strong>Winner:<\/strong> TorFX<\/p><h4>Which offers better exchange rates?<\/h4><p>While Xe tends to have better exchange rates, TorFX offers a rate improver guarantee, meaning you can get a better rate than what Xe is offering. For this reason, TorFX shades it.<\/p><p>Xe adds a margin of around 0.5% to 1.5% to the mid-market exchange rate on popular currencies. Keep in mind that the rate you\u2019ll pay is different to what it shows on its homepage currency converter tool \u2013 you\u2019ll need to be logged in to get an accurate quote.<\/p><p>TorFX also adds a similar margin to the exchange rate. This gets lower the more you send. TorFX guarantees competitive rates, even offering a rate improver guarantee. The guarantee has some terms and conditions, including that you must have an account with the other provider, but most accounts are free to set up and it could save you money overall.<\/p><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Tropy-icon-fmt.png\" alt=\"Trophy icon\" width=\"28\" height=\"28\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Tropy-icon-fmt.png?fit=84 84w\" sizes=\"(max-width: 84px) 100vw, 84px\" loading=\"lazy\"><strong>Winner:<\/strong> TorFX<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What's the mid-market rate?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The mid-market rate, also known as the interbank rate, is the lowest rate available on the market. It\u2019s the midpoint between the \u201cbuy\u201d and \u201csell\u201d prices of 2 currencies and is used by banks and transfer services when they trade among themselves.<\/p><p>You can use the mid-market rate as a way to measure a provider\u2019s mark-up. Google the mid-market rate for the currency you\u2019re exchanging, then compare it to the rate given to you by a provider to see what kind of margin it\u2019s added.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h4>Example: Sending \u00a35,000 to the US<\/h4><p>Let\u2019s take a look at what a \u00a35,000 transfer to an American bank account looks like with both Xe and TorFX. Keep in mind that the exchange rate margins will be different for other currencies.<\/p><table class=\"luna-table\" style=\"background-color:white;\"><thead class=\"luna-table__header\"><tr><th class=\"u-1\/2\"><\/th><th>Xe<\/th><th>TorFX<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Transfer fee<\/th><td>\u00a30<\/td><td>\u00a30<\/td><\/tr><tr><th>Exchange rate<\/th><td>1 GBP = 1.3229 USD<\/td><td>1 GBP = 1.3167 USD<\/td><\/tr><tr><th>Transfer speed<\/th><td>Same day<\/td><td>Same day<\/td><\/tr><tr><th>Total received<\/th><td>$6,614.96<\/td><td>$6,583.70<\/td><\/tr><\/tbody><\/table><p>In this example, Xe would give your recipient $31 more, but TorFX would give a better price with its rate improver guarantee.<\/p><\/div><\/article><h3>Coverage and payout<\/h3><div data-category=\"\" data-niche=\"UKFMT\" data-fieldset=\"vs_coverage\" class=\"UKFMT vs_coverage \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th><\/th><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-money-transfers\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png\" alt=\"Xe - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/torfx-foreign-currency-exchange\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png\" alt=\"TorFX - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><\/tr><tr><th>Coverage rating<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"luna-stars luna-stars__fill--100 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span><\/td><td class=\"i_infobox_data product_infobox_data\"><span class=\"luna-stars luna-stars__fill--70 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span><\/td><\/tr><tr><th>Number of available currencies<\/th><td class=\"i_infobox_data product_infobox_data\">77 <br>(including: EUR, USD, INR, PHP, PKR, ZAR) <span class=\"table-popover\" rel=\"popover\" data-content=\"AED, ALL, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BOB, BTN, CAD, CHF, CLP, COP, CRC, CVE, CZK, DKK, DOP, ETB, EUR, FJD, GBP, GHS, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HUF, IDR, ILS, INR, JMD, JOD, JPY, KWD, LKR, MAD, MUR, MXN, MYR, MZN, NOK, NPR, NZD, OMR, PEN, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SEK, SGD, SLL, THB, TND, TOP, TRY, TTD, TWD, TZS, UGX, USD, UYU, VND, WST, XCD, XOF, ZAR.\" title=\"Full list\" data-original-title=\"\"><\/span><\/td><td class=\"i_infobox_data product_infobox_data\">42 <br>(including: EUR, CNY, INR, PHP) <span class=\"table-popover\" rel=\"popover\" data-content=\"AED, AUD, BHD, BWP, CAD, CHF, CNY, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HUF, ILS, INR, JPY, KES, KWD, LKR, MAD, MUR, MXN, NOK, NZD, OMR, PHP, PLN, QAR, RON, RUB, SAR, SEK, SGD, THB, TRY, TTD, UGX, XCD, LTL, MTL.\" title=\"Full list\" data-original-title=\"\"><\/span><\/td><\/tr><tr><th>Number of supported countries<\/th><td class=\"i_infobox_data product_infobox_data\">218<\/td><td class=\"i_infobox_data product_infobox_data\">172<\/td><\/tr><tr><th>Cash pick-up facility<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th>Speed rating<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"luna-stars luna-stars__fill--100 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span><\/td><td class=\"i_infobox_data product_infobox_data\"><span class=\"luna-stars luna-stars__fill--80 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span><\/td><\/tr><tr><th>Fastest transfer speed<\/th><td class=\"i_infobox_data product_infobox_data\">Within minutes<\/td><td class=\"i_infobox_data product_infobox_data\">Within minutes<\/td><\/tr><tr><th>Link<\/th><td class=\"i_infobox_data product_infobox_data\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/xe-small-transfer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22infobox%22%2C%22fieldset%22%3A%22vs_coverage%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%252C8c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"btn btn-success has-margin-bottom-xsmall\" title=\"Apply Now\">Go to site<\/a><\/td><td class=\"i_infobox_data product_infobox_data\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/torfx-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22infobox%22%2C%22fieldset%22%3A%22vs_coverage%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%252C8c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"btn btn-success has-margin-bottom-xsmall\" title=\"Apply Now\">Go to site<\/a><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h3 id=\"speed\">Which is faster?<\/h3><p>Generally, Xe transfers are completed within the same day, often within a matter of hours. Some currencies may take longer, but it depends on where you\u2019re sending the money and the financial institutions involved. When you set up your transfer, Xe will estimate the time to give you an idea of how long it will take.<\/p><p>TorFX transfers vary from being the same day to 2 business days, depending on the currency. Less-popular currencies take longer, while popular currencies like USD are often delivered that day.<\/p><p>Xe just about pips TorFX to the post. However both providers offer a pretty speedy service and can get your money there within a day. Both are similarly dependent on a range of external factors that can influence transfer speeds.<\/p><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Tropy-icon-fmt.png\" alt=\"Trophy icon\" width=\"28\" height=\"28\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Tropy-icon-fmt.png?fit=84 84w\" sizes=\"(max-width: 84px) 100vw, 84px\" loading=\"lazy\"><strong>Winner:<\/strong> Xe<\/p><h3>Payment methods<\/h3><div data-category=\"\" data-niche=\"UKFMT\" data-fieldset=\"vs_payment\" class=\"UKFMT vs_payment \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th><\/th><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-money-transfers\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png\" alt=\"Xe - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/torfx-foreign-currency-exchange\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png\" alt=\"TorFX - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><\/tr><tr><th>Bank transfer<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Debit card<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Credit card<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg> <span class=\"table-popover\" style=\"line-height: 36px; vertical-align: text-top;\" rel=\"popover\" data-content=\"Your credit card issuer may charge a cash advance fee and\/or a higher rate of interest for payments to a money transfer service. Learn more in our guide to\u00a0&lt;a href='https:\/\/www.finder.com\/uk\/can-i-transfer-money-overseas-from-my-credit-card'&gt;paying for your international transfer by credit card&lt;\/a&gt;.\" title=\"Please note\" data-original-title=\"\"><\/span><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th>Link<\/th><td class=\"i_infobox_data product_infobox_data\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/xe-small-transfer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22infobox%22%2C%22fieldset%22%3A%22vs_payment%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%252C8c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"btn btn-success has-margin-bottom-xsmall\" title=\"Apply Now\">Go to site<\/a><\/td><td class=\"i_infobox_data product_infobox_data\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/torfx-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22infobox%22%2C%22fieldset%22%3A%22vs_payment%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%252C8c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"btn btn-success has-margin-bottom-xsmall\" title=\"Apply Now\">Go to site<\/a><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h3>Forex features<\/h3><div data-category=\"\" data-niche=\"UKFMT\" data-fieldset=\"vs_facilities\" class=\"UKFMT vs_facilities \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th><\/th><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-money-transfers\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png\" alt=\"Xe - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8eb74419c.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/torfx-foreign-currency-exchange\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png\" alt=\"TorFX - UK logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/616e8e8ee3872.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><\/tr><tr><th>Facilities rating<\/th><td class=\"i_infobox_data product_infobox_data\"><span class=\"luna-stars luna-stars__fill--90 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span><\/td><td class=\"i_infobox_data product_infobox_data\"><span class=\"luna-stars luna-stars__fill--100 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span><\/td><\/tr><tr><th>Recurring transfer facility<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Forward contracts facility<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg> <span class=\"table-popover\" style=\"line-height: 36px; vertical-align: text-top;\" rel=\"popover\" data-content=\"With a forward contract you lock in an exchange rate today for a transfer you will make in the future.\" title=\"More info\" data-original-title=\"\"><\/span><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg> <span class=\"table-popover\" style=\"line-height: 36px; vertical-align: text-top;\" rel=\"popover\" data-content=\"With a forward contract you lock in an exchange rate today for a transfer you will make in the future.\" title=\"More info\" data-original-title=\"\"><\/span><\/td><\/tr><tr><th>Limit orders facility<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg> <span class=\"table-popover\" style=\"line-height: 36px; vertical-align: text-top;\" rel=\"popover\" data-content=\"With a limit order you set a target exchange rate. If the rate hits your specified threshold, your transfer is executed.\" title=\"More info\" data-original-title=\"\"><\/span><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg> <span class=\"table-popover\" style=\"line-height: 36px; vertical-align: text-top;\" rel=\"popover\" data-content=\"With a limit order you set a target exchange rate. If the rate hits your specified threshold, your transfer is executed.\" title=\"More info\" data-original-title=\"\"><\/span><\/td><\/tr><tr><th>Stop loss orders facility<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg> <span class=\"table-popover\" style=\"line-height: 36px; vertical-align: text-top;\" rel=\"popover\" data-content=\"With a stop loss you set a minimum acceptable exchange rate to protect yourself should rates get worse. If rates are deteriorating, when they hit your specified threshold, your transfer is executed.\" title=\"More info\" data-original-title=\"\"><\/span><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg> <span class=\"table-popover\" style=\"line-height: 36px; vertical-align: text-top;\" rel=\"popover\" data-content=\"With a stop loss you set a minimum acceptable exchange rate to protect yourself should rates get worse. If rates are deteriorating, when they hit your specified threshold, your transfer is executed.\" title=\"More info\" data-original-title=\"\"><\/span><\/td><\/tr><tr><th>Customer service<\/th><td class=\"i_infobox_data product_infobox_data\">Phone, Email<\/td><td class=\"i_infobox_data product_infobox_data\">Phone, Live chat, Email<\/td><\/tr><tr><th>Personal account manager<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Price matching facility<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Link<\/th><td class=\"i_infobox_data product_infobox_data\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/xe-small-transfer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22infobox%22%2C%22fieldset%22%3A%22vs_facilities%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%252C8c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"btn btn-success has-margin-bottom-xsmall\" title=\"Apply Now\">Go to site<\/a><\/td><td class=\"i_infobox_data product_infobox_data\"><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/torfx-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22infobox%22%2C%22fieldset%22%3A%22vs_facilities%22%2C%22product_id%22%3A%223ed994bf-26ce-4641-b042-5d75aa48810a%252C8c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"btn btn-success has-margin-bottom-xsmall\" title=\"Apply Now\">Go to site<\/a><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h3>Signing up and making your first transfer<\/h3><p>With Xe you sign up for an account online or over the phone. Once set up, get a quote. If you\u2019re happy with the quote and agree to the transaction, you send Xe the payment and the company will convert and send your money where it needs to go.<\/p><p>With TorFX, after registering for a free account, you secure your rate online or with your account manager. If you\u2019re happy with the rate, you set up the transfer, send your funds to TorFX and the company will transfer the money to the desired location.<\/p><h3 id=\"verdict\">The verdict: Which is better: Xe or TorFX?<\/h3><p>TorFX\u2019s strength lies in the fact that it\u2019s a broker \u2013 scouring multiple services to find you the best deal. It specialises in supporting those moving large sums across borders, by providing expert human account handling to help you leverage exchange tools like a pro forex trader.<\/p><p>However Xe is the stronger of the 2 for super-quick, self-service transfers of smaller sums. Xe does add that \u00a32-\u00a33 fee on smaller sums, but it\u2019s offset by great rates and a slicker process.<\/p><p>So while Xe can be slightly faster, for many currencies TorFX works out cheaper, and especially so when you\u2019re transferring several thousand (at which level the simple calculators these sites provide to win your custom don\u2019t tell the full story). Add that to TorFX\u2019s price match guarantee (in fact it pledges to <em>exceed<\/em> competitor quotes) and TorFX can\u2019t be beaten.<\/p><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Tropy-icon-fmt.png\" alt=\"Trophy icon\" width=\"28\" height=\"28\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/Tropy-icon-fmt.png?fit=84 84w\" sizes=\"(max-width: 84px) 100vw, 84px\" loading=\"lazy\"><strong>Overall winner:<\/strong> <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/torfx-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22TorFX%22%2C%22site%22%3A%22UKFMT%22%2C%22offer_id%22%3A%222051%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22product_id%22%3A%228c56e709-383d-428b-981f-0fca9e1a52c6%22%2C%22product_name%22%3A%22TorFX%22%2C%22provider_id%22%3A%2264a2a905-a4d9-4a7a-8627-8b13be9d9dce%22%2C%22provider_name%22%3A%22TorFX%2B-%2BUK%22%2C%22post_id%22%3A%22218813%22%2C%22post_path%22%3A%22international-money-transfers%252Fxe-vs-torfx%22%2C%22post_country%22%3A%22uk%22%7D\">TorFX<\/a><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article><\/p>","protected":false},"excerpt":{"rendered":"<p>We look at TorFX and Xe to see which will get you a better deal the next time you send money overseas.<\/p>\n","protected":false},"author":1329,"featured_media":218817,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"xe vs torfx","_yoast_wpseo_title":"Xe vs TorFX money transfers: Which should you choose? | Finder UK","_yoast_wpseo_metadesc":"We compare Xe and TorFX side-by-side on cost, exchange rates, transfer fees and other features to see which is a better deal for your next money transfer.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"-1","post_editor_date":null,"post_author_date":"2023-08-08T00:03:54","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-10-21 10:33:47\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide to ensure the information is up to date and accessible.\"}","_last_major_update":"{\"isOn\":true,\"date\":\"09\/02\/2020\"}","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[13],"tags":[],"asset_tag":[],"class_list":["post-218813","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-international-money-transfers"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Xe vs TorFX money transfers: Which should you choose? | Finder UK<\/title>\n<meta name=\"description\" content=\"We compare Xe and TorFX side-by-side on cost, exchange rates, transfer fees and other features to see which is a better deal for your next money transfer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Xe vs TorFX\" \/>\n<meta property=\"og:description\" content=\"We compare Xe and TorFX side-by-side on cost, exchange rates, transfer fees and other features to see which is a better deal for your next money transfer.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-10T04:50:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/XEvsTorfx_Supplied_250x250.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kate Steere\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/KateSteere_UK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kate Steere\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx\"},\"author\":{\"name\":\"Kate Steere\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/1fe38023a7ec83d898420da91201d4df\"},\"headline\":\"Xe vs TorFX\",\"datePublished\":\"2019-07-10T04:50:22+00:00\",\"dateModified\":\"2026-10-21T11:33:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx\"},\"wordCount\":1111,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2019\\\/07\\\/XEvsTorfx_Supplied_250x250.jpg\",\"articleSection\":[\"International money transfers\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx#respond\"]}],\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx\",\"name\":\"Xe vs TorFX money transfers: Which should you choose? | Finder UK\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2019\\\/07\\\/XEvsTorfx_Supplied_250x250.jpg\",\"datePublished\":\"2019-07-10T04:50:22+00:00\",\"dateModified\":\"2026-10-21T11:33:47+00:00\",\"description\":\"We compare Xe and TorFX side-by-side on cost, exchange rates, transfer fees and other features to see which is a better deal for your next money transfer.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx#primaryimage\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2019\\\/07\\\/XEvsTorfx_Supplied_250x250.jpg\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2019\\\/07\\\/XEvsTorfx_Supplied_250x250.jpg\",\"width\":250,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\\\/xe-vs-torfx#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"International money transfers\",\"item\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/international-money-transfers\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Xe vs TorFX\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#website\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\",\"name\":\"Finder\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/findercomuk\",\"https:\\\/\\\/x.com\\\/findercomUK\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/finder\\\/\",\"https:\\\/\\\/en.wikipedia.org\\\/wiki\\\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/1fe38023a7ec83d898420da91201d4df\",\"name\":\"Kate Steere\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/KateSteereF1_Finder_600x600.png\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/KateSteereF1_Finder_600x600.png\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/KateSteereF1_Finder_600x600.png\",\"caption\":\"Kate Steere\"},\"description\":\"Kate Steere is an editor and money expert at Finder, specialising in banking, savings and fintech. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run.\",\"sameAs\":[\"https:\\\/\\\/twitter.com\\\/KateSteere_UK\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/kate-steere\\\/\",\"https:\\\/\\\/www.fool.co.uk\\\/author\\\/kanderson\\\/\",\"https:\\\/\\\/muckrack.com\\\/kate-steere-1\",\"https:\\\/\\\/mediafeed.org\\\/author\\\/kate-steere-at-finder\\\/\"],\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/author\\\/katesteere\",\"jobTitle\":\"Editor\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Savings\"},{\"@type\":\"Thing\",\"name\":\"Fintech\"},{\"@type\":\"Thing\",\"name\":\"Credit\"},{\"@type\":\"Thing\",\"name\":\"Payments\"}]}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-10-21T11:33:47+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Xe vs TorFX money transfers: Which should you choose? | Finder UK","description":"We compare Xe and TorFX side-by-side on cost, exchange rates, transfer fees and other features to see which is a better deal for your next money transfer.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx","og_locale":"en_GB","og_type":"article","og_title":"Xe vs TorFX","og_description":"We compare Xe and TorFX side-by-side on cost, exchange rates, transfer fees and other features to see which is a better deal for your next money transfer.","og_url":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2019-07-10T04:50:22+00:00","og_image":[{"width":250,"height":250,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/XEvsTorfx_Supplied_250x250.jpg","type":"image\/jpeg"}],"author":"Kate Steere","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/KateSteere_UK","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Kate Steere","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx"},"author":{"name":"Kate Steere","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/1fe38023a7ec83d898420da91201d4df"},"headline":"Xe vs TorFX","datePublished":"2019-07-10T04:50:22+00:00","dateModified":"2026-10-21T11:33:47+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx"},"wordCount":1111,"commentCount":0,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/XEvsTorfx_Supplied_250x250.jpg","articleSection":["International money transfers"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx#respond"]}],"copyrightYear":"2019","copyrightHolder":{"@id":"https:\/\/www.finder.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx","url":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx","name":"Xe vs TorFX money transfers: Which should you choose? | Finder UK","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/XEvsTorfx_Supplied_250x250.jpg","datePublished":"2019-07-10T04:50:22+00:00","dateModified":"2026-10-21T11:33:47+00:00","description":"We compare Xe and TorFX side-by-side on cost, exchange rates, transfer fees and other features to see which is a better deal for your next money transfer.","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/XEvsTorfx_Supplied_250x250.jpg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/XEvsTorfx_Supplied_250x250.jpg","width":250,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/international-money-transfers\/xe-vs-torfx#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"International money transfers","item":"https:\/\/www.finder.com\/uk\/international-money-transfers"},{"@type":"ListItem","position":3,"name":"Xe vs TorFX"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/1fe38023a7ec83d898420da91201d4df","name":"Kate Steere","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png","caption":"Kate Steere"},"description":"Kate Steere is an editor and money expert at Finder, specialising in banking, savings and fintech. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run.","sameAs":["https:\/\/twitter.com\/KateSteere_UK","https:\/\/www.linkedin.com\/in\/kate-steere\/","https:\/\/www.fool.co.uk\/author\/kanderson\/","https:\/\/muckrack.com\/kate-steere-1","https:\/\/mediafeed.org\/author\/kate-steere-at-finder\/"],"url":"https:\/\/www.finder.com\/uk\/author\/katesteere","jobTitle":"Editor","knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Savings"},{"@type":"Thing","name":"Fintech"},{"@type":"Thing","name":"Credit"},{"@type":"Thing","name":"Payments"}]}]},"article_modified_time":"2026-10-21T11:33:47+00:00"},"custom_fields":{"_content_type":["niche-content\/comparison\/x-vs-y"],"_masthead_subheading":["{\"text\":\"Xe comes out on top for smaller, faster, self-service transfers, while TorFX wins for large transfers &ndash; with the human touch to help you bag the best rates.\"}"],"_masthead_variant":["{\"id\":\"beta-widget\",\"showFeaturedImage\":false,\"presetId\":\"cta-buttons\",\"shouldUsePrimaryCTAFieldName\":true,\"shouldUseSecondaryCTAFieldName\":true,\"primaryCTA\":{\"label\":\"Check rates\",\"target\":\"#comparisongo\",\"containerText\":\"Compare quotes from Xe and TorFX\"},\"secondaryCTA\":{\"label\":\"Jump to verdict\",\"target\":\"#verdict\",\"containerText\":\"Just show me the winner!\"},\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"custom_post_template":["single-masthead-two-column.php"]},"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/218813","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/1329"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=218813"}],"version-history":[{"count":9,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/218813\/revisions"}],"predecessor-version":[{"id":581876,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/218813\/revisions\/581876"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/218817"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=218813"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=218813"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=218813"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=218813"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}