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Xendpay review

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

Xendpay is not available for transfers out of the US


Xendpay does not currently support outgoing transfers from the USA. The service may be offered in the future, but in the meantime you can compare your options on our table.

Xendpay is an international money transfer service that allows you to send money to friends and family in 173 countries and over 45 currencies. Its “pay what you want” suggests a transaction fee, but you can choose to pay more or less than the suggestion — or even no fee at all — for your first $2,000 sent with Xendpay.

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3 days

Fastest Transfer Speed

$1

Minimum Transfer Amount

$100,000

Maximum Transfer Amount

Compare options that send out of the US

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
OFX
24 hours
$0

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours
$0

View details
Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
CurrencyTransfer
24 hours
$0
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

View details
Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
XE
Within minutes
$3

View details
XE has fast transfers with low fees and a range of foreign currency tools.
WorldRemit
Within an hour
From $1.99

View details
New customers send USD 20 to Lebanon and use code ADD10 for a USD 10 discount. Valid till 7 November 2021. T&Cs apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From $2.26

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Instarem
Within an hour
$1

View details
Exclusive: Use code GET60 to save 30 USD on each transaction over 200 USD. Valid for the first two transactions and till 30 November 2021. T&Cs apply.
Instarem offers zero transfer fees on all transfers.
Remitly
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Western Union
Within an hour
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
MoneyGram
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
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Compare up to 4 providers

How much will I pay to send with Xendpay?

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

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

How are Xendpay’s exchange rates?

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

What type of transfer does Xendpay support?

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

You can fund your transfer in three ways:

  • Debit or credit card. The name on the card must match the name on the Xendpay account.
  • Bank transfer. Process the transfer using the Xendpay banking details you receive in your confirmation email.
  • SOFORT payments. Available in Austria, Belgium, Czech Republic, France, Germany, Hungary, Italy, Netherlands, Poland, Slovakia, Spain, Switzerland and the UK.

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

Pros and cons of using Xendpay for money transfers

Pros

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

Cons

  • Cannot send from US. Outgoing transfers from the US are not possible, you can only receive money through Xendpay if you’re in the US.
  • Limited delivery options. Transfers to bank accounts and mobile wallets in select countries only.
  • Limited no-fee intro. “Pay what you want” applies only to the first $2,000 you send.
  • Long transfer speeds. It can take up to 4 days for your recipient to receive the funds.
  • No recurring payments. At this time, you can’t schedule recurring payments with Xendpay.

How do I send money through Xendpay?

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

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

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

Tracking your order

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

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

Cancelling your order

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

Bottom line

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

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

Questions you’ve asked about Xendpay

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

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

What phone platforms are compatible with the Xendpay app?

The Xendpay mobile app is for iOS devices only.

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

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

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