Sign up cost: Free
Available: Online/app/phone
Number of currencies: 139
Number of countries: 220
Minimum transfer: No minimum
Transfer fee: Free
Exchange rate margin: 0.5–2% on the current exchange rate, reduces the more you transfer
Transfer speed: In most cases, same day but can be two to four days depending on currencies and banks

Best for: Making transfers from the US and Canada

XE is a popular choice for many people looking for a smart way to transfer money – and with enterprise-grade security, XE is a good choice in terms of safety.

This service needs a bank account to send money – you cannot use a card to fund the exchange, but the 24/7 account management and great customer service are enough of a draw.

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