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Last updated Jan 2026

XE vs Wise

Two leading ways to send money abroad, compared head to head.
Feature Breakdown
Recommended
1

9.8

Visit XE
1

8.8

Visit Wise
Overview
Best for

High-value international transfers

Everyday international money use

Trustpilot
82,541 Reviews 
 277,673 Reviews
Regulated

US, FCA, ASIC

US, FCA, ASIC

Transfer Limits
Maximum online transfer

Up to $500,000

Varies by route

Transfers above online limit

Supported via FX specialists

Not supported

Designed for large transfers

Yes

Supported but not core

Human support

Dedicated currency experts

Self-serve only

Fees & FX Rates
Exchange rate type

Live FX market rates

Mid-market rate

Rate updates

Updates until transfer is confirmed

Fixed for a limited time

Transfer fees

Varies by route & payment method

Transparent percentage fee

Cost at scale

Better value at scale

Costs scale with amount

Customer Support
Customer Support

Email · Chat · Phone
Support hours vary by region

Email · Chat · Phone
24/7 support

Large transfer support

Dedicated currency experts

Not available

Onboarding support

Guided setup for large transfers

Self-serve setup

Safety & Security
Two-factor authentication
Encrypted data storage
Segregated client accounts
Large transfer controls

Additional checks for large amounts

Automated risk checks

Security focus

High-value transfer security

Everyday account security

Sending & Receiving Options
Send from

Bank transfer · Debit/Credit card

Bank transfer · Debit card

Receive to

Bank account

Bank account

Delivery speed

Same day to a few days (route dependent)

Seconds to a few days (route dependent)

Scheduled / recurring transfers
Supported countries

200+

160+

Supported currencies

130+

40+

Bottom Line

Winner!
1
1
Editorial Score

9.8

8.8

Key Advantages

XE is the better choice for high-value international transfers, offering high limits, broad currency coverage, and access to dedicated currency experts. It’s well suited for large or complex payments where guidance, control, and scale matter.

Go to XE

Wise is a strong option for everyday international money use, with transparent fees and a simple, self-serve experience. It works best for smaller, routine transfers rather than large or complex payments.

Go to Wise