Xe large transfers and transfer limits in the UK

Buying a house overseas, or making an overseas investment? If you need to make a large payment to someone in another country, you’ll need to find a safe, reliable and cost-effective way to do it.

One option is a specialist money transfer service like Xe. This guide covers everything you need to know about Xe large transfers, including limits, transfer times, security and those all-important fees.

And we’ll also introduce Wise as the smart solution for sending large sums internationally – with over 18.9 million people worldwide moving £52 billion each quarter.

With Wise you get low, transparent fees, mid-market exchange rates, and secure, trackable transfers, with dedicated support and volume discounts when sending large amounts. On a £50,000 transfer, you could save up to £1,000 with Wise vs your bank.

Get expert support for your large transfer 📞

Can you send large transfers with Xe?

Yes, you can send large transfers with Xe, although there are some limits.

For customers in the UK, the maximum you can send is £375,000 per day (or the currency equivalent). This is the limit for both UK and international payments.¹

If this isn’t enough and you need to send more, you may be able to get support from Xe’s large transfers team. If you send more than $50,000 USD a year (or local currency equivalent), you may be eligible to use this service.²

Otherwise, you’ll need to break your large payment into multiple smaller ones spread over a few days.

Xe doesn’t support sending money through CHAPS, which are designed for making fast, secure large transfers in the UK with no upper limits.

Xe transfer limits

Xe sets transfer limits by region. In the UK, the maximum daily limit for UK and international transfers is £375,000.¹

It’s unlikely that you’ll be able to increase these limits, but you can contact the Xe large payments team for more information and dedicated support.

What’s the maximum amount you can send with Xe?

As covered above, the maximum you can send with Xe to another account is £375,000.¹

If you need to send more than this, you’ll need to split your payment into smaller transfers, or contact the Xe large transfers team. Or you’ll need to find an alternative money transfer provider.

Can you send multiple large transfers per day?

Yes, you should be able to send multiple payments per day with Xe, but you won’t be able to exceed your maximum daily sending limit.

How to transfer large amounts with Xe: Step-by-step process

If you’re ready to send your transfer, here’s how to do it - step-by-step.

Firstly, you’ll need to get your recipient’s details together. Here’s what you’re likely to be asked for:

• The recipient’s name as it appears on their bank account
• Their bank account number and sort code
• The type of account (personal or business)

You’ll need additional details if you’re sending money abroad:

• The name, account number and address of the person or company you’re paying
• The recipient’s International Bank Account Number (IBAN)
• The SWIFT/BIC code for their bank.

How to send a transfer with Xe online

To send money abroad with Xe, follow these steps:

1. Login to your Xe account, or register if you don’t already have one
2. Select ‘Destination country’ for your transfer
3. Enter the amount you want to send in the ‘You send’ box. Alternatively, enter the amount you want the recipient to receive after currency conversion in the ‘Recipient gets’ box.
4. Select your payment method - choosing from bank transfer, debit card, credit card or direct debit.
5. Choose a receiving method - choosing from bank transfer or cash pickup/mobile wallet where available
6. Enter the recipient’s details
7. Provide a reason for the transfer
8. Check all the details carefully, including the fee and exchange rate
9. Confirm the transfer - for bank transfers, you’ll receive a confirmation email containing Xe’s bank details so you can make the payment. Once this is done, your payment will be sent.

If the payment you want to make is larger than Xe’s daily limits, you can contact the provider’s dedicated large transfers team to set up the payment. Call +441753 441 800 (available 8am to 6pm, Monday to Friday) to get started.²

How does Xe protect large transfers

Xe has been running for over 25 years and uses a range of security measures to keep your account, data, and money secure when making transfers. These include:³

• Enterprise-grade encryption and security
• Know Your Customer (KYC) verification when opening accounts
• Advanced fraud prevention systems
• Anti Money Laundering (AML) safeguard.

As Xe isn’t a bank, it doesn’t offer FSCS protection for your money. But it does use something called safeguarding, where client money is held with reputable credit institutes separately from the company’s own funds.

How long do large transfers take with Xe?

Xe transfer times vary depending on the currency, destination and payment method. Once sent, you can track your transfer using the Xe app or on the website, to see an estimate of when it will arrive.

There are two key timescales you need to know about with Xe:

• How long it takes for your payment to reach Xe
• How long the payment takes to reach your recipient, once Xe has sent it.

Adding these two together gives you the total estimated time your payment will take, from start to finish.

Here’s a quick look at average transfer times with Xe:³

Xe large transfer fees and costs

Now we come to the important issue of fees - how much do Xe large transfers cost?

There’s no short answer to this, as Xe transfer fees vary depending on quite a few factors. These include:⁴

• Transfer method - debit/credit cards tend to have higher fees than bank transfers, as they offer a quicker transfer time.
• The amount you send - larger transfers are often more cost-effective at Xe, sometimes having low to no fees. Plus, smaller transfers typically have a fixed fee.
• Destination country - some destinations have higher transfer fees because of local banking systems, regulations or currency exchange factors.
• Potential third-party fees - intermediary or recipient banks may also charge their own fees, which are outside of Xe's control.

The good news is that you can see the applicable fees when you start to set up your large transfer with Xe. Enter the details of the payment, and the fee will be displayed.

Xe exchange rates for large transfers

When sending an international transfer with Xe, you’ll also need to check the exchange rate - as well as the upfront transfer fee.

Xe uses its own standard exchange rate for converting currency, and this is likely to include an FX margin on the mid-market rate.⁵ This varies, but you can check the rate you’ll get when setting up your transfer.

Wise – A low-cost alternative for large international transfers

Whether you're buying property, supporting family overseas or making another high-value payment, the total cost of an international transfer goes beyond the fee you pay upfront. Comparing the overall cost before you send can help you keep more of your money.

Banks and other providers may claim to have “no fees” but they could be adding a sneaky mark-up to their exchange rate. This can impact your budget by up to 2% when sending money abroad. On a £50,000 transfer, you could save up to £1,000 with Wise vs your bank.

Wise has built its own payment network that allows customers to send money internationally for less. You’ll get the mid-market exchange rate (close to the one you see on Google) with no hidden markups and low, transparent fees.

✅ Sign up with Wise for free

Wise Interest disclaimer: Growth not guaranteed. Your balance will go down in the event of a government default or interest rates going negative. Taxes may apply. 3.32% variable rate on GBP is based on 7 day performance as of 05 Aug 2026. For full 5-year past performance and fund information, visit https://wise.com/interest. Investments are offered by Wise Assets UK Ltd. (FRN 839689)

FAQs on large transfers and limits with Xe

Is Xe a good way to transfer money?

Xe is a well-known provider in the international money transfer industry that operates under financial regulations in its active regions. It provides users with upfront details regarding exchange rates, transfer fees, and estimated delivery times.

However, it’s important to compare all options carefully, to find the best money transfer service for you. Get started by comparing the exchange rates between various banks and providers here.

Who owns Xe?

Xe is owned by Euronet Worldwide, a multibillion-dollar electronic payments provider based in the US and listed on the NASDAQ stock exchange.

Key takeaways

• Xe allows UK customers to transfer up to £375,000 per day online for both domestic and international payments.
• Customers needing to transfer amounts exceeding standard limits can access assistance through Xe's dedicated large transfers team or split the payment over multiple days.
• Transfer delivery times vary by payment method, with card payments taking 1 to 3 working days and standard bank transfers taking up to 5 working days.
• While Xe does not support CHAPS payments, client funds are protected using safeguarding measures at credit institutions rather than FSCS protection.

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Sources used:

1. Xe - Help - What are the limits on how much I can send?
2. Xe - Help - Sending large amounts
3. Xe - International Money Transfer
4. Xe - Transfer Fees and Currency Conversion Fees Explained
5. Xe - Help - What are the fees for sending money?

Sources last checked on date: 14-Jul-2026