XE Money Transfer Fee Calculator

Calculate XE money transfer fees instantly. See exact costs for international transfers with XE, the trusted currency data provider since 1993. See its fee and exchange-rate margin and compare them with other services.

Calculate Transfer Fees

Calculate your XE transfer cost: fee and exchange-rate margin

You Send

From Country

Amount to Send

$USD

Recipient Gets

To Country

Enter an amount to see the estimate

XE Fee Structure

Fee: depends on the amount and the method

* XE's fee and rate markup from its own quotes at the amounts we collected, on today's mid-market rate; between those amounts a fee is shown only where it is known. Real cost varies by corridor, amount, delivery and payment method, and promotions — check the provider for a live quote.

Also worth checking: Wise

Wise says it converts at the mid-market rate and shows its whole cost as one fee. Compare what your recipient gets before you send.

See Wise’s rate

XE has been a trusted name in currency information for over 30 years. Founded in 1993, XE.com became the world's most popular currency website, providing live exchange rate data to millions of users daily. Building on this reputation, XE Money Transfer now offers international money transfer services that combine their currency expertise with an online and app-based transfer service.

XE shows its exchange rate and any fee before you confirm; its margin is built into the rate, and the calculator below measures it against the mid-market rate. Understanding XE fees is crucial for anyone sending money internationally, whether for business payments, family support, property purchases, or managing international finances. XE serves over 190 countries in 130 currencies, and what it charges varies widely between them.

Our XE fees calculator helps you understand the true cost of your transfer before you commit. Enter your amount on the routes we price to see what you'll pay and how much your recipient will receive. Compare XE with other services before you send.

This calculator prices XE from XE's own quotes, which we collect and date. XE does not publish a fixed fee schedule, so you see the exact rate and fee before you confirm. In practice, our quotes from the US show no transfer fee on $1,000 to $5,000 and a small fee on smaller transfers ($0.99–$4 on a $200 transfer, depending on the destination), plus an exchange-rate margin of 0.3% to 2.7% on the routes we price, reaching 2.7% on the dearest. As the world's most popular currency site, XE provides reliable rate information, and this calculator shows its rates with their markup included. It is often used for established corridors and larger business/property transfers where brand trust matters.

XE Fees at a Glance (2026)

Transfer fee — larger transfers	None on $1,000 to $5,000 (US)
Transfer fee — smaller transfers	$0.99–$4 (US), A$4–A$5 (AU), C$4–C$5 (CA), on 200 in the sending currency
Exchange-rate margin	0.3% to 2.7% on the routes we price from the US, up to 2.7%
Pay by bank transfer / direct debit	Standard margin
Pay by credit / debit card	Adds about 0.5% (debit) or 3.0% (credit) of the amount, from the US
Delivery time	1-4 business days

XE does not publish a fixed fee schedule, so these are figures from our own collected quotes, to India, Mexico, Nigeria and the Philippines. The exact rate and fee are shown before you confirm. XE makes most of its money on the exchange-rate margin, not a transfer fee. Always compare the final amount your recipient receives; verify at xe.com.

How XE Fees Are Calculated

XE uses a two-part model: an exchange-rate margin plus, on smaller transfers, a service fee. The exchange-rate margin runs 0.3% to 2.7% on the routes we price from the US, reaching 2.7% on the dearest, depending on the currency pair. The service fee depends on destination, payment method and speed. On our quotes from the US, paying from a bank account, XE charged no transfer fee on $1,000 to $5,000 and $0.99–$4 on a $200 transfer; card funding or express can add to it. XE does not publish a fixed schedule, so the exact figures are shown before you send.

XE Fee Structure:

Exchange Rate Margin: 0.3% to 2.7% on the routes we price from the US, built into the exchange rate
Service Fee: no transfer fee on $1,000 to $5,000 on our US quotes; $0.99–$4 on $200 from the US, paying from a bank account; a card adds about 0.5% of the amount (debit) or 3.0% (credit)
Shown Before You Send: XE shows the rate and fee before you confirm
Rate Lock: Exchange rate guaranteed once you confirm transfer

The total cost varies with the currency pair, the transfer size, the payment method and the delivery speed you choose, so price your own transfer rather than relying on a headline figure.

Example Calculation:

Sending $1,000 from the US to a bank in Mexico with XE:

• Transfer amount: $1,000.00
• Transfer fee: none on a transfer this size
• Exchange-rate margin (2.7% on this pair): about $27
• Total XE cost: about $27
• Your recipient gets about 2.7% less than the mid-market rate would give

Using the XE Fee Calculator

Our XE transfer calculator prices your transfer from XE's own quotes, which we collect and date in the footer. It shows the exchange-rate margin in XE's rate for your selected currency pair, with a complete breakdown of transfer costs before you send. Where XE charges a small flat service fee the calculator adds it; where it charges none, you see the margin alone.

Calculator Features:

Accurate XE fee calculations
Priced to India, Mexico, Nigeria and the Philippines
XE's own quotes, dated
Instant results

What You'll See:

• Total transfer cost breakdown
• Service fee and exchange-rate margin
• Current exchange rate used
• Final amount recipient receives
• Effective fee percentage

The calculator is perfect for planning international transfers, budgeting expatriate expenses, comparing costs with other providers like Wise or Revolut, and understanding how transfer size affects your effective rate. On our quotes from the US, XE charged no transfer fee on $1,000 to $5,000, so on those transfers the only cost was the exchange-rate margin.

Comparing XE with Other Money Transfer Services

XE's price varies by route and amount, and its rates are backed by three decades of currency expertise. It is often used for large transfers and less common currency pairs, where that expertise matters.

XE vs Traditional Banks:

XE Advantages:

• Rate and fee shown before you confirm
• 30+ years currency expertise
• Transfers to 190+ countries
• Easy online platform and app
• 24/7 customer support
• Rate lock guarantee

Bank Disadvantages:

• A wire fee on top of a rate markup (see our wire calculator)
• Slow transfers (3-5 business days)
• Complex paperwork requirements
• High minimum transfer amounts

On our quotes from the US, XE charged no transfer fee on $1,000 to $5,000. XE is often used on established corridors, where its decades of currency data and brand trust matter. Compare it with other services for your amount; Wise, for example, says it converts at the mid-market rate and shows its whole cost as a fee. The total cost (fee plus margin) for your specific amount and currency is what counts.

Tips to Save on XE Fees

Payment Method:

• Compare bank transfer and card fees
• Check what a credit card adds
• Consider ACH transfers for US bank payments

Transfer Strategy:

• Send larger amounts less frequently
• Use multi-currency accounts for business
• Time transfers during favorable exchange rates

Pro Tip:

On our quotes from the US, XE charged no transfer fee on $1,000 to $5,000, so check whether a slightly larger transfer clears its small flat fee. Compare paying by bank transfer and by card in the calculator before you send. For very large or frequent transfers, ask XE about preferential rates.

Frequently Asked Questions

How much does XE charge to transfer money?

XE does not publish a fixed fee schedule - you see the exact rate and fee before you confirm. On the quotes we collect, paying from a bank account, XE charges no transfer fee on $1,000 to $5,000 from the US; on a transfer of 200 in the sending currency the fee is $0.99–$4 from the US depending on the destination, A$4–A$5 from Australia and C$4–C$5 from Canada. Separately, XE builds a margin into the exchange rate - 0.3% to 2.7% on the routes we price from the US - which is how it makes most of its money.

Does XE have a transfer fee?

Usually only on smaller transfers. XE does not publish a fixed schedule, but on our own quotes, paying from a bank account, it charges no transfer fee on $1,000 to $5,000 from the US, while a transfer of 200 in the sending currency carries $0.99–$4 from the US and A$4–A$5 from Australia. Paying by card adds to it: from the US, about 0.5% of the amount on a debit card and 3.0% on a credit card. On most transfers the bigger cost is the exchange-rate margin - the gap between the mid-market rate and XE's rate - which we measure at 0.3% to 2.7% on the routes we price from the US.

What is XE's exchange rate margin?

XE applies a markup to the mid-market exchange rate (the real rate you see on Google), and it varies by destination. Sending from the US we currently measure 0.3% to India, 2.7% to Mexico and 0.8% to the Philippines, while to Nigeria XE's rate was at or above the mid-market rate we compare it with. XE does not publish a fixed rate card, so always compare the final amount your recipient receives before you confirm.

Is XE cheaper than Wise?

It depends on the amount and corridor. On our quotes XE charges no transfer fee on $1,000 to $5,000 from the US, paying from a bank account, and it builds a margin into its exchange rate, 0.3% to 2.7% on the routes we price. Wise says it converts at the mid-market rate and shows its whole cost as a fee, so compare the total cost - fee plus margin - for your exact transfer.

How long does an XE transfer take?

Most XE transfers arrive within 1 to 4 business days, depending on the destination country, currency and payment method. Some popular corridors are faster, occasionally same-day, while others take longer. XE shows an estimated delivery time before you send.

Is XE safe and regulated?

Yes. XE Money Transfer is part of Euronet Worldwide, a publicly traded company, and is regulated as a money transmitter in the regions where it operates, including FinCEN in the US and the FCA in the UK. XE has provided currency data since 1993 and processes billions in transfers, holding customer funds according to regulatory requirements.

Last Updated: Pricing collected October 9, 2026. XE does not publish a fixed fee schedule; on bank funding our quotes show no transfer fee on $1,000 to $5,000 from the US, and $0.99–$4 on a transfer of 200 from the US, A$4–A$5 from Australia and C$4–C$5 from Canada, plus an exchange-rate margin of 0.3% to 2.7% on the routes we price. See the rate and fee at xe.com before sending.