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

Example today: $1,000 to India1 USD = 93.484 INR · No feePaying from a bank account, delivered to a bank accountEnter 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 says XE.com became the world's most popular currency site in the late 1990s, and it still publishes live exchange rate data. The money transfer service grew out of that data business, and it runs online and through XE's app.

The quote screen shows XE's rate and any fee before you confirm, but only the fee is labelled as a cost. The rest of XE's price sits inside the rate, so the calculator above sets that rate against the mid-market rate and turns the gap into money. XE serves over 190 countries in 130 currencies, and the price moves a lot from one route to the next.

XE publishes no fee table, so every figure here comes from quotes we collect from XE ourselves and date in the footer. Sending from the US, paying from a bank account to a bank account on the four routes we price (India, Mexico, Nigeria and the Philippines), our quotes show no transfer fee on $1,000 to $5,000 and Free–$1.99 on a $200 transfer, with a rate margin of 0.3% to 2.2% on most of them.

XE Fees at a Glance (2026)

Transfer fee (larger transfers)	None on $1,000 to $5,000 (US, bank to bank)
Transfer fee (smaller transfers)	Free–$1.99 (US), A$1.99–A$5 (AU), C$1.99–C$5 (CA), on 200 in the sending currency
Exchange-rate margin	0.3% to 2.2% on most routes we price from the US; to Nigeria XE's rate was at or above mid-market
Rate today on $1,000	1 USD = 93.484 INR, 1 USD = 18.1836 MXN, 1 USD = 1,360.15 NGN, 1 USD = 61.8914 PHP
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	Most the same day, XE says; bank-funded payments can take up to 2 business days to reach XE

Figures from our own XE quotes, paying from a bank account to a bank account (the card row shows what card funding adds), to India, Mexico, Nigeria and the Philippines. The rates apply XE's margin on those four routes, in that order, to the latest mid-market figure, and a live quote can differ a little. The quote XE gives you at xe.com is the final word.

How XE Fees Are Calculated

Two charges make up an XE price. The margin is a percentage taken out of the exchange rate, so it grows with the amount and changes with the currency pair. The fee is a flat sum in the sending currency that XE adds on smaller transfers, set by the destination; paying by card adds a further percentage of the amount on top of both.

XE Fee Structure:

Exchange Rate Margin: 0.3% to 2.2% on most routes we price from the US, built into the exchange rate
Service Fee: paying from a bank account to a bank account, no transfer fee on $1,000 to $5,000 on our US quotes and Free–$1.99 on $200 from the US; a card adds about 0.5% of the amount (debit) or 3.0% (credit)
Rate Lock: the rate on the quote holds once you confirm the transfer

Because the fee is flat, it weighs less on a larger transfer; the margin is a percentage, so it does not shrink the same way. The example below works it through at $1,000 to Mexico.

Example Calculation:

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

• Transfer amount: $1,000.00
• Transfer fee: none on a transfer this size
• Exchange-rate margin (2.2% on this pair): about $22
• Total XE cost: about $22
• Your recipient gets about 2.2% less than the mid-market rate would give

Using the XE Fee Calculator

Set the country you are sending from, the destination and how you will pay, then enter the amount. The result splits XE's price into the flat fee, where XE charges one, and the margin, shown both as a percentage of the mid-market rate and as money on your amount. Where XE charged no fee, the margin is the whole cost.

Run the same transfer twice, once from a bank account and once by card, to see what the card adds before you choose it. If you are comparing XE with another service, keep the destination, the payout and the amount identical, and set the amounts your recipient gets side by side.

Comparing XE with Other Money Transfer Services

XE is often chosen for large transfers and less common currency pairs, where three decades of currency data and a long-established brand count for more. The bank comparison below is about how the transfer works, not its price; for price, put your own amount through the calculator.

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
• Phone support 24 hours Monday to Thursday (shorter hours Friday and Sunday, closed Saturday), plus live chat in over 100 languages
• Rate lock guarantee

Bank Disadvantages:

• A wire fee on top of a rate markup (see our wire calculator)
• A correspondent bank may take its own charge before the money lands
• Delivery often takes several business days

Against another transfer service, the comparison that counts is the fee plus the margin on your amount and route, since services split their price between the two in different ways.

Tips to Save on XE Fees

• Fund from a bank account where you can. A card adds a percentage of the amount, so its cost keeps growing with the transfer while XE's own fee stays flat.
• If you have to use a card, price debit and credit separately before you pick one.
• Send one transfer rather than several small ones, so the flat fee is paid once.
• For very large or frequent transfers, ask XE about preferential rates.

Pro Tip:

If your transfer is a little under $1,000, price $1,000 as well: on our US quotes, paying from a bank account to a bank account on the four routes we price, XE charged no transfer fee on $1,000 to $5,000.

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 to a bank account on the four routes we price (India, Mexico, Nigeria and the Philippines), 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 Free–$1.99 from the US depending on the destination, A$1.99–A$5 from Australia and C$1.99–C$5 from Canada. Separately, XE builds a margin into the exchange rate - 0.3% to 2.2% on most 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. On our own quotes, paying from a bank account to a bank account on the four routes we price, XE charged no transfer fee on $1,000 to $5,000 from the US, while a transfer of 200 in the sending currency carried Free–$1.99 from the US and A$1.99–A$5 from Australia. A card is charged on top of that: from the US, about 0.5% of the amount on a debit card and 3.0% on a credit card. The fee is only part of XE's price, since the rest sits in the exchange rate it gives you.

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, 2.2% to Mexico and 2.0% 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 to a bank account on the four routes we price, and it builds a margin into its exchange rate, 0.3% to 2.2% on most routes we price. Wise prices the other way round: it says it uses the mid-market rate and puts its whole charge in the fee. Add XE's fee to its margin and set that total against Wise's fee for the same transfer.

How long does an XE transfer take?

XE says most transfers arrive the same day, and card payments are processed almost instantly. Bank transfers, direct debits and ACH payments can take up to 2 business days to reach XE, and XE says to allow 1 to 3 business days for a transfer to reach the recipient, depending on currency and destination. XE shows the expected delivery date before you confirm.

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 November 5, 2026. On transfers paying from a bank account to a bank account on the four routes we price, our quotes show no transfer fee on $1,000 to $5,000 from the US, and Free–$1.99 on a transfer of 200 from the US, A$1.99–A$5 from Australia and C$1.99–C$5 from Canada, plus an exchange-rate margin of 0.3% to 2.2% on most of them. Check the rate and fee at xe.com before sending. How we check figures