XTransfer
XTransfer is a B2B cross-border trade payment platform serving SMEs globally, offering multi-currency accounts, international transfers, and currency exchange services.
Account Types
Business Plans
| Feature | XTransfer Business Account |
|---|---|
| Monthly Fee | Free |
| Annual Fee | - |
| Minimum Balance | - |
| Fee Currency | USD |
| Free ATM Withdrawals | - |
| Billing Model | Pay As You Go |
| Free Tier | Available Account opening and maintenance free. Adding money and receiving payments free for most currencies (USD, EUR, CNY, HKD, GBP, IDR, NGN, etc.). Send to another XTransfer account free. Fees apply only for sending to bank accounts (from US$2/transaction) or certain currencies (from 0.5% for COP, PEN, CLP, ZAR). China supplier personal bank account sends capped at 0.4% of transaction amount in CNY. |
| Description | All-in-one business account with access to 37+ currencies across 200+ countries/regions. Free to open and maintain. Pay-as-you-go fees for sending money. |
Visit the provider website for detailed plan comparisons and features
Business Features
XTransfer is a B2B cross-border trade payment platform serving 800K+ businesses across 200+ markets. CONFIRMED FEATURES: API — the UK license is specifically listed as an 'API License' (obtained 2018), and the URL signal /wiki/tools/what-is-an-application-programming-interface-api indicates API documentation exists; no monthly API fee mentioned so defaulted to 0. Scheduled/FX limit orders — the platform explicitly offers 'FX limit orders' allowing users to 'set limit orders and automatically exchange at your preferred rate', which constitutes scheduled/automated payment execution. Receipt scanning — the URL signal /wiki/tools/top-receipt-scanning-apps-to-maximize-your-rewards indicates receipt scanning content exists on the platform. Account features confirmed: free account opening, free maintenance, access to 37+ currencies, receive from 200+ countries/regions, local currency accounts in 30+ countries (NGN, KES, TZS, THB, IDR, BRL, MXN, etc.), 24/7 real-time currency exchange. Pricing: account opening/maintenance free; add money free (from 0.5% for COP/PEN/CLP/ZAR); receive free (from 0.5% for some currencies); send to XTransfer accounts free; send to bank accounts from US$2/transaction; send to China personal accounts max 0.4% of CNY amount. Licenses held: HK MSO, Singapore MPI, UK API, Netherlands EMI, US MSB, Canada MSB, Australia RSP, China Payment Business Permit. NOT FOUND in page content: multi-user/team access controls, bulk/batch payments, expense management, accounting software integrations (Xero/QuickBooks etc.), corporate or virtual cards, invoicing tools, payment gateway/merchant checkout, approval workflows.
Fees & Limits
| Fee | Details | Amount |
|---|---|---|
| Account Fees | ||
| Account Opening Fee | -One-time | Free |
| Account Maintenance Fee | -Monthly | Free |
| Transfer Fees | ||
| Inbound Add Money Bank Standard Fee | -Per transaction | Free |
| Inbound Add Money Bank Latam Africa Fee | -Per transaction | 0.01% |
| Inbound Receive Xtransfer Account Fee | -Per transaction | Free |
| Inbound Receive Bank Standard Fee | -Per transaction | Free |
| Inbound Receive Local Currency Standard Fee | -Per transaction | Free |
| Inbound Receive Local Currency Latam Africa Fee | -Per transaction | 0.01% |
| Outbound Xtransfer Account Transfer Fee | -Per transaction | Free |
| Outbound Own Business Bank Transfer Fee | -Per transaction | $2.00 |
| Outbound Third Party Business Bank Transfer Fee | -Per transaction | $2.00 |
| Outbound China Supplier Personal Bank Cny Fee | -Per transaction | 0.00% |
Cards
No card information available
Security & Compliance
No security or compliance information available
Support & Platforms
Customer Support
- Live Chat
Avg response: ~5 min
Start an online conversation with the customer service team for immediate support. Accessible via the contact support page.
- Social Media24/7
WhatsApp support available. Contact via 'WhatsApp us' option on the contact support page.. Facebook page: https://www.facebook.com/XTransferGlobal
- Email24/7
General inquiries: [email protected]; Complaints: [email protected]; Media inquiries: [email protected]
- PhoneMonday to Friday, hours vary by region
Avg response: ~1 min
Regional phone lines: Hong Kong: +852 38533886 (9:00am–9:00pm GMT+8, Mon–Fri); U.K.: +44 2045576760 (8:00am–8:00pm GMT+0, Mon–Fri); U.S.: +1 8886085155 (7:00am–7:00pm CST, Mon–Fri); Singapore: +65 62069760 (9:00am–9:00pm GMT+8, Mon–Fri); Vietnam: +84 2471097248 (9:00am–9:00pm GMT+8, Mon–Fri); Mexico: +52 5588973118 (7:00am–7:00pm CST, Mon–Fri); Thailand: +66 977831739 (9:00am–9:00pm GMT+8, Mon–Fri); Brazil: +55 1133517088 (7:00am–7:00pm CST, Mon–Fri); Colombia: +57 6075895050 (7:00am–7:00pm CST, Mon–Fri); Israel: +972 33760505 (8:00am–8:00pm GMT+0, Mon–Fri); Nigeria: +234 2019971800 (8:00am–8:00pm GMT+0, Mon–Fri); South Africa: +27 125344247 (8:00am–8:00pm GMT+0, Mon–Fri); Chile: +56 229141055 (7:00am–7:00pm CST, Mon–Fri); South Korea: +82 15336470 (9:00am–9:00pm GMT+8, Mon–Fri); Argentina: +54 1152738178 (7:00am–7:00pm CST, Mon–Fri); Kazakhstan: +7 7273467690 (8:00am–8:00pm GMT+0, Mon–Fri); Turkey: +90 2129003699 (8:00am–8:00pm GMT+0, Mon–Fri)
- Help Center24/7
FAQ and help center covering product functions, payment methods, transaction limits, cross-border payment rules, and more.
- Contact Form24/7
Contact form on the contact page. Leave contact details and a dedicated representative will be in touch.
- Physical OfficeBusiness hours
Shanghai HQ: 26th Floor, Wanshuo Building, 198 Jingzhou Road, Yangpu District, Shanghai, China; Hong Kong: 704, Champion Tower, 3 Garden Road, Central, Hong Kong; United States: 20th Floor, 14 Wall Street, New York, NY 10005, USA; United Kingdom: 4–6 The Wharf Centre, Wharf Street, Warwick, Warwickshire, CV34 5LB; Singapore: 96 Robinson Road #17-04, SIF Building, Singapore 068899; Netherlands: Strawinskylaan 555 M, Tower-C World Trade Center, 1077XX Amsterdam; UAE: Level 5, Standard Chartered Tower, Downtown, Dubai; Mexico: Blvd. Miguel de Cervantes Saavedra 169, Granada, Miguel Hidalgo, México