{"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":"2024-04-18T15:41:01","modified_gmt":"2024-04-18T14:41:01","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%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%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\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\nvar 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};\nvar eventToWatch = getEventToListenTo();\nconst loadFinderScoreModalukfmt = () => {\n  setTimeout(function(){\n   window.loadOnTheFly.html(\n      'partial', {\n          id: 'finder-score-ukfmt-modal-optimized',\n      },\n      function (response) {\n          document.getElementsByTagName(\"body\")[0].appendChild(response);\n          var modal = document.getElementById('finderScoreModal-ukfmt');\n          var closeButton = modal.querySelector(\"#closeButton\");\n          closeButton.onclick = function (event) {\n            modal.classList.add(\"elementHidden\");\n          };\n          var btnReadMethodology = modal.querySelector(\"#btnReadMethodology\");\n          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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\":1778382341}' data-disable-alternative-products=\"true\" 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\n\t\t\t\t\tregularly<\/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-leadform-modal=\"\" 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                              Finder Score\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/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                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg 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                        Key benefits\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/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                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; 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padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><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=\"finder-score-detail-heading\">Finder score<\/div><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<\/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\/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=\"finder-score-detail-heading\">Finder score<\/div><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<\/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                        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\"><a data-component-props='{\"finderScore\":9,\"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%221778382341%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\":9,\"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=\"finder-score-detail-heading\">Finder score<\/div><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\">9.5<\/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=\"finder-score-detail-heading\">Finder score<\/div><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\">9.5<\/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\"><a data-component-props='{\"finderScore\":9.5,\"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%221778382341%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\":9.5,\"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><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - 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independent of infobox\n        const pill = table.querySelector(\n          `tr[data-product-id=\"${productId}\"] .rewards-pill`\n        );\n        if (pill && !pill.dataset.bound) {\n          pill.dataset.bound = \"true\";\n          pill.addEventListener(\"click\", () => {\n            const row = pill.closest(\"tr\");\n            if (!row) return;\n\n            const cta = row.querySelector(\".rewards--cta\");\n            if (!cta) return;\n\n            const linkParams = getLinkParams(cta);\n            if (!linkParams) return;\n\n            const pillModalParams = {\n              productId: linkParams.productId,\n              campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n              redirectUrl: linkParams.redirectUrl,\n              productName: linkParams.productName,\n              providerName: row.getAttribute(\"data-provider-name\") || \"\",\n              niche: linkParams.niche,\n              offerId: linkParams.offerId,\n              component: \"infobox\",\n            };\n\n            if (\n              window.rewards &&\n              typeof window.rewards.displayModal === \"function\"\n            ) {\n              window.rewards.displayModal(pillModalParams, false, cta);\n            }\n          });\n        }\n\n        const rewardsProduct = table.querySelector(\n          `div[data-rewards-product-id=\"${productId}\"]:not([data-rewards-banner-attached])`\n        );\n        if (!rewardsProduct) return;\n\n        const endDateStr = rewardsProduct.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        \/\/ Format date for Australian locale (dd MMM yyyy)\n        const formattedDate = new Intl.DateTimeFormat(\"en-AU\", {\n          day: \"2-digit\",\n          month: \"short\",\n          year: \"numeric\",\n        }).format(new Date(endDateStr));\n\n        const endDateEl = rewardsProduct.querySelector(\".rewards-end-date\");\n        if (endDateEl && endDateEl.textContent !== formattedDate) {\n          endDateEl.textContent = ` ${formattedDate}`;\n        }\n\n        \/\/ Calculate days remaining\n        const days = Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => {\n          const row = triggerEl.closest(\"tr\");\n\n          if (!row) return;\n\n          const cta = row.querySelector(\".rewards--cta\");\n\n          if (!cta) return;\n\n          const linkParams = getLinkParams(cta);\n          if (!linkParams) return;\n\n          const { productId, redirectUrl, productName, niche, offerId } = linkParams;\n\n          const modalParams = {\n            productId,\n            campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n            redirectUrl,\n            productName,\n            providerName: row.getAttribute(\"data-provider-name\") || \"\",\n            niche,\n            offerId,\n            component: \"infobox\",\n          };\n\n          if (\n            window.rewards &&\n            typeof window.rewards.displayModal === \"function\"\n          ) {\n            window.rewards.displayModal(modalParams, false, cta);\n          }\n        };\n\n        if (dealsLeftEl && !dealsLeftEl.dataset.bound) {\n          dealsLeftEl.dataset.bound = \"true\";\n          dealsLeftEl.addEventListener(\"click\", () => handleClick(dealsLeftEl));\n        }\n\n        if (dealsList && !dealsList.dataset.bound) {\n          dealsList.dataset.bound = \"true\";\n          dealsList.addEventListener(\"click\", () => handleClick(dealsList));\n        }\n\n        if (dealsHeader && !dealsHeader.dataset.bound) {\n          dealsHeader.dataset.bound = \"true\";\n          dealsHeader.addEventListener(\"click\", () => handleClick(dealsHeader));\n        }\n\n        rewardsProduct.dataset.rewardsBannerAttached = \"true\";\n      });\n    };\n\n    const tables = document.querySelectorAll(\n      \"table.rewards--container[data-table-record-ids]\"\n    );\n\n    tables.forEach((table) => {\n      const tableObserver = new MutationObserver(() => {\n        setTimeout(() => initRewards(table), 0);\n      });\n\n      tableObserver.observe(table, {\n        childList: true,\n        subtree: true,\n      });\n\n      initRewards(table);\n    });\n\n    \/\/ Pill countdown timers (minimal UX)\n    function initPillCountdowns() {\n      const countdowns = document.querySelectorAll(\"[data-rewards-pill-countdown]:not([data-pill-countdown-bound])\");\n\n      countdowns.forEach((el) => {\n        el.dataset.pillCountdownBound = \"true\";\n        const endDateStr = el.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        const endTime = new Date(endDateStr).getTime();\n        if (Number.isNaN(endTime)) return;\n        const now = new Date().getTime();\n        const distance = endTime - now;\n        const sevenDaysMs = 7 * 24 * 60 * 60 * 1000;\n\n        if (distance <= 0) {\n          const wrapper = el.closest(\".rewards-pill-wrapper\");\n          if (wrapper) wrapper.style.display = \"none\";\n          return;\n        }\n\n        if (distance > sevenDaysMs) {\n          return;\n        }\n\n        el.removeAttribute(\"hidden\");\n\n        const daysEl = el.querySelector(\"[data-pill-countdown-days]\");\n        const hoursEl = el.querySelector(\"[data-pill-countdown-hours]\");\n        const minutesEl = el.querySelector(\"[data-pill-countdown-minutes]\");\n        const secondsEl = el.querySelector(\"[data-pill-countdown-seconds]\");\n\n        let interval;\n        const updatePillCountdown = () => {\n          if (!el.isConnected) {\n            if (interval) clearInterval(interval);\n            return;\n          }\n\n          const remaining = endTime - new Date().getTime();\n\n          if (remaining <= 0) {\n            if (daysEl) daysEl.textContent = \"0d\";\n            if (hoursEl) hoursEl.textContent = \"0h\";\n            if (minutesEl) minutesEl.textContent = \"0m\";\n            if (secondsEl) secondsEl.textContent = \"0s\";\n            if (interval) clearInterval(interval);\n            \/\/ Hide pill wrapper on expiry\n            const wrapper = el.closest(\".rewards-pill-wrapper\");\n            if (wrapper) wrapper.style.display = \"none\";\n            return;\n          }\n\n          const days = Math.floor(remaining \/ (1000 * 60 * 60 * 24));\n          const hours = Math.floor((remaining % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n          const minutes = Math.floor((remaining % (1000 * 60 * 60)) \/ (1000 * 60));\n          const seconds = Math.floor((remaining % (1000 * 60)) \/ 1000);\n\n          if (daysEl) daysEl.textContent = days + \"d\";\n          if (hoursEl) hoursEl.textContent = hours + \"h\";\n          if (minutesEl) minutesEl.textContent = minutes + \"m\";\n          if (secondsEl) secondsEl.textContent = seconds + \"s\";\n        };\n\n        updatePillCountdown();\n        interval = setInterval(updatePillCountdown, 1000);\n      });\n    }\n\n    initPillCountdowns();\n\n    const allTables = document.querySelectorAll(\"table\");\n    allTables.forEach((table) => {\n      const observer = new MutationObserver(() => {\n        setTimeout(initPillCountdowns, 0);\n      });\n      observer.observe(table, { childList: true, subtree: true });\n    });\n  });\n})();\n<\/script><\/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 18 April 2024.<\/p><h4>Which charges lower fees?<\/h4><p>With Xe, you pay \u00a31.99 on money transfers below \u00a3250. The fee is scrapped for transfers above that amount. TorFX doesn\u2019t charge any fees at all. <\/p><p>The \u00a31.99 fee to pay if you\u2019re sending less than \u00a3250 means that 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 0.6% to 1.4% 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 = 1.2692 USD<\/td><td>1 GBP = 1.2633 USD<\/td><\/tr><tr><th>Transfer speed<\/th><td>Same day<\/td><td>1 day<\/td><\/tr><tr><th>Total received<\/th><td>$6,346.36<\/td><td>$6,316.36<\/td><\/tr><\/tbody><\/table><p>In this example, Xe would give your recipient $30 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%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%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%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%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%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%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 \u00a31.99 fee on those 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\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/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":{"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,"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 v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Xe vs TorFX money transfers: Which should you choose? 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