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Last updated: Oct 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

Everyday and high-value international transfers

Everyday international money use

Trustpilot
4.4/5
4.3/5
Regulated

FinCEN, FCA, ASIC

FinCEN, FCA, ASIC

Transfer Limits
Maximum online transfer

Up to $500,000

Varies by payment method & route

Transfers above online limit

Supported via FX specialists
Limited
Designed for large transfers

Yes

Supported, with volume discounts
Human support

Dedicated currency experts

Help on request
Sending & Receiving Options
Send from

Bank transfer · Wire · Debit/credit card

Bank transfer · Wire · Debit/credit card

Receive to

Bank account · Mobile wallet · Cash pickup

Bank account · Wise account

Delivery speed

Minutes to a few days (route dependent)

Seconds to a few days (route dependent)

Scheduled / recurring transfers

Regular payments at fixed rates

Scheduled transfers
Supported countries

170+

160+

Supported currencies

100+

40+

Fees & FX Rates
Exchange rate type

Live XE send rates

Mid-market rate

Rate updates

Live rates until confirmed; fixed-rate options where available

Rate guarantees on eligible transfers

Transfer fees

Vary by route, amount & payment method

Upfront fees based on amount & route

Cost at scale

Low fees on large transfers

Discounts above $25,000
Customer Support
Customer Support

Email · Chat · Phone
Support hours vary by region

Email · Chat · Phone
24/7 support

Large transfer support

Dedicated currency experts

Support for large transfers

Onboarding support

Guided assistance available

Self-service setup

Safety & Security
Account protection

Encryption · Two-factor authentication

Encryption · 2-step verification
Large transfer controls

Additional checks for large amounts

Additional checks for large amounts
Security focus

Regulated transfers and fraud-prevention measures

Regulated transfers and fraud-prevention measures

Bottom Line

Winner!
1
1
Editorial Score

9.8

8.8

Key Advantages

XE is the better choice for high-value international transfers, offering dedicated currency experts, forward contracts and market orders, and flexible delivery to bank accounts, mobile wallets and cash pickup. 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 mid-market rates, transparent fees, and a simple, self-serve experience. It suits frequent transfers, with automatic discounts on larger amounts.

Go to Wise