Trusted Partner — Money TransferFor one-off six-figure transfers, XE is the move
XE specializes in large international transfers — funding a property purchase, moving retirement savings, or wiring closing costs to a foreign attorney. Free transfers above $500, dedicated FX dealers on bigger amounts, and 24/7 phone support.
Get a free XE quote →Wise is unbeatable for ongoing day-to-day international finance. But for a single large transfer — say, $200,000 to fund a property purchase abroad, or $80,000 to close on closing costs at the notary — XE Money Transfer is often the better fit. They specialize in larger transfers, give you a dedicated FX dealer on bigger sums, support over 130 currencies, and don’t charge transfer fees on amounts above $500. The exchange rate is competitive; the customer service when six figures is in flight is the real differentiator.
No transfer fees over $500
Free transfers on all amounts above $500. The exchange rate is your only cost.
Dedicated FX dealer
For larger transfers, a personal dealer walks you through timing, locking, and forward contracts.
130+ currencies
Send to 220+ countries in 130+ currencies. Same-day delivery on most major routes.
When to use XE instead of Wise
For most everyday transfers under $20,000, Wise is faster and cheaper. But for large one-off transfers — a property purchase abroad, moving a portfolio, settling on a notary closing — XE’s combination of zero fees, competitive rates on six-figure amounts, dedicated FX dealers, and 24/7 phone support is the safer pick. They’ve been in the FX business for over 25 years and are licensed across multiple jurisdictions.
- Zero transfer fees on transfers above $500
- Forward contracts available to lock in today’s rate for a future transfer
- 24/7 customer support by phone and chat
- FCA / FinCEN regulated with bank-level encryption
- Dedicated FX dealer on transfers above $5,000
Editorial recommendation. Settleguru may earn a referral fee if you transfer via links on this page. We only recommend services we trust for our readers. XE services are subject to their own terms — see XE.com for full details.
