Reviewers often praise XE for fast international transfers, competitive exchange rates, and an app that feels simple to use. Many say transfers finish within hours or the same day and arrive quickly. Some reviews describe serious problems, including accounts closed without explanation, funds deducted but not received, and little follow-up. Feedback splits between smooth, routine transfers and isolated but severe failures.
Examples from available reviews (Sep 2022 – Mar 2026).
XE completed transfers in about three hours versus days with Western Union.
“but XE takes 3 hours!!!❤️❤️❤️👍🙏”
Reviewer calls it the best money transfer app with good rates.
“Best money trasnfer app. Quick and really nice rates”
Reviewer says their account was closed without any reason or explanation.
“my account was closed for no specific reason what so ever”
Application deducts funds but recipients sometimes do not receive transfers.
“When making international transfers, the application deducts the money from the account, but the recipient does not receive the money.”
Many reviews describe fast, dependable service, with quick arrivals and same-day processing. A clear group of low-rated reviews reports serious failures: accounts closed without explanation, missing or short transfers, and cases where staff did not follow up. These failures draw the lowest ratings.
Reviewers repeatedly point to competitive exchange rates, low fees, and flat charges that let recipients receive the full amount. Several mention no hidden fees and say XE compares well with alternatives. A small number ask for better loyalty rates for long-term customers.
Users describe the platform as straightforward, easy, and hassle-free. Several mention using it for years without issues and praise transfer speed. A few report minor hitches that were fixed during the transaction.
When reviewers address product quality, they mention secure bank transfers and efficient processing. Words like “secured” and “works simply” appear, though less often than comments about ease of use and value. Positive remarks often link strong rates with reliable delivery.
Some reviews praise helpful account managers, quick phone support, and issues that were resolved. At least one reviewer says jargon-heavy instructions caused confusion. A small number say there was no follow-up after a problem.
Many high-rated reviews describe smooth, fast transfers and consistent value, and some users report long-term satisfaction. Low-rated reviews, in contrast, mention account closures, money deducted without arriving, and late or short payments. Overall, routine transfers perform strongly, but there is a non-trivial risk of isolated, severe issues.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (40) · Collected.reviews (1) · Quotes shortened · As of: March 2026
Reviewer calls it the best money transfer app with good rates.
“Best money trasnfer app. Quick and really nice rates”
Process was seamless and completed within one day.
“Seamless process, all done in one day. Got to love it.”
XE completed transfers in about three hours versus days with Western Union.
“but XE takes 3 hours!!!❤️❤️❤️👍🙏”
Account manager maintained constant contact and was very helpful.
“Constant contact with account manager who was very helpful throughout the entire transaction.”
Reviewer reports there was no follow-up regarding their issue.
“No follow up”
They offer good rates and are consistently fast and reliable.
“+They have good rates and are always fast and reliable.”
Bank transfers are secured and fast.
“Secured and fast bank transfer.”
Transfers are very quick and hassle-free.
“very quick transfer, hassel free”
Everything worked as expected and communication was good.
“Everything worked as expected, minor hitches were overcome. Communication was good.”
Reviewer says their account was closed without any reason or explanation.
“my account was closed for no specific reason what so ever”
Service is consistently great and efficient; customer since 2015.
“Always great and efficient to deal with. Long term customer since 2015!”
Transfers had no hidden fees and arrived straightaway.
“It great no hidden fee , and no fee to transfer money”
Excellent exchange rates and a simple, superior app.
“Excellent rate of exchange.”
Transferring money is very simple and straightforward.
“It is very simple and straightforward to transfer money.”
Application deducts funds but recipients sometimes do not receive transfers.
“When making international transfers, the application deducts the money from the account, but the recipient does not receive the money.”
The service was fast and efficient.
“Fast and efficient”
Service works simply and efficiently with competitive rates.
“All works simply and efficiently, with competitive rates”
Instructions were jargon-filled and confusing, but XE experts reassured by phone.
“Your instructions often use jargon which to the lay person is not familiar.”
App is easy to use, transfers are speedy, reliable, and well-priced.
“Money transfers are speedy and reliable and the rates are good.”
Charges a flat $4 fee and the recipient receives the full amount.
“They charge a flat $4 fee and the amount sent is the amount that arrives (unlike Paypal, which extracts fees on both ends of the transaction.)”
Transfer was straightforward and quick to complete.
“Straightforward and quick transfer.”
Transfers were fast and fees were low.
“Fast and easy Money Transfers. Low Fees”
Processing was efficient, but receiving-end funds were not always correct.
“not always correct at re ceiving end”
Quick and easy to use with a high exchange rate compared to others.
“Quick and easy to use. High exchange rate compare to others.”
Service has settled and is working fast now.
“Settled down now. Working fast”
Exchange rate was reported as very good.
“Very Good exchange rate”
Transfer arrived late and was short by 200 baht without prior advice.
“I received 200 baht less than sent.”
Service is simple, with good exchange rates and quick arrivals.
“So simple to use. Good exchange rates and money always arrives quickly.”
Service does what it is supposed to do easily.
“Do what it is suppose to do easily”
Reviewer gives a short positive endorsement: 'Awesome Xe'.
“Awesome Xe.”
Easy to use with fast transfers and good rates.
“Easy to use, fast transfer and good rates.”
Service was quick and easy; telephone response and help were excellent.
“Quick and easy , I also telephoned and the response and help was excellent .”
XE corrected a mistake the same day and satisfied the reviewer.
“XE sorted it out for me within the same day.”
XE is easy to use and reviewer has been a long-term customer.
“XE makes it easy, I've been a customer for years.”
Reviewer's query was resolved successfully.
“My query resolves”
Review text is incomplete and stops mid-sentence.
“From the first time I used”
Platform is easy and straightforward to use.
“Easy and straightforward to use”
Reviewer has used XE over a decade with no problems.
“Have been using the for over a decade! Never had a problem, only improvements over the years.”
Service is fast and reliable, but reviewer wants better rates for existing clients.
“you should give better rates for existing clients”
Transfer was smooth, hassle-free, and offered a great rate.
“Smooth hassle free transfer and a great rate. No complaints here!”
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarised without changing the content of reviews.
XE runs an online platform and mobile apps for international money transfers and live currency exchange rates. It offers bank-to-bank transfers for individuals and businesses. XE also publishes real-time market rates and provides currency data feeds and tools to compare rates. Support is available by phone and online to help with transfers and account questions.