Xe review

Xe is best known for its currency converter, and the app keeps that at the center: live rates, historical data and rate alerts that notify you when a target rate is reached. The same app sends money to over 190 countries in 130+ currencies, with delivery to bank accounts, mobile wallets in 35+ countries or cash pickup at 500,000+ locations. Xe says fees start at $0 and depend on the payment method, transfer amount and destination; card payments are fastest but cost more, while direct debit (ACH) is the cheapest way to pay and wires suit larger sums. Rates and fees are shown before you confirm. New customers get a special rate on their first 3 transfers. Xe is part of Euronet Worldwide (NASDAQ: EEFT). What it lacks for travelers is a card: you cannot hold balances and spend abroad the way you can with Wise or Revolut.

Who it is for

people who track rates before they convert or send

Price

Free profile and converter; transfer fees starting at $0, shown before you confirm.

low fees starting at $0
Quoted from the vendor pricing page on November 14, 2026.

Key features

• Live exchange rates and rate alerts in the app
• Transfers to over 190 countries in 130+ currencies, per the Xe app page
• Cash pickup at 500,000+ locations and mobile wallets in 35+ countries
• Pay by direct debit (ACH), wire transfer, or debit or credit card
• Face ID or Touch ID login

Strengths and weaknesses

• Strength: Rate and every fee are shown upfront before you confirm
• Strength: First 3 transfers get a special rate for new customers
• Strength: Part of Euronet Worldwide, which Xe says processed over $115 billion in transfers
• Weakness: Card payments cost more than ACH or wire
• Weakness: Fees vary by currency, destination and payment method, so there is no single published fee
• Weakness: No multi-currency card for spending abroad

Key facts

• Transfer fee: From $0
• Reach: 190+ countries, 130+ currencies
• Cash pickup: 500,000+ locations
• Rate alerts: Yes
• Parent company: Euronet Worldwide

Where it ranks

Xe is No. 3 in our Best Currency Exchange Apps verdict.