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Simplify cross-border payments
Spot transfers for global payments
Our spot transfers offer a fast and reliable way to handle cross-border payments. Xe has helped thousands of businesses pay overseas contractors, settle invoices, and manage large international transactions. Our Forex (FX) spot transfers ensure your business runs smoothly.
Send FX spot transfers to over 190+ countries
With support for over 130+ currencies and access to 190+ countries, Xe’s spot transfers are perfect for one-time payments, settling invoices, investing overseas, and more. For decades, we’ve helped thousands of businesses send spot transfers worldwide.
Make an FX spot transfer with Xe
Need to make a cross-border spot payment? Sign up for a free business account, get a quote with transparent fees, add your destination and recipient details, and fund your transfer!
Create an account
Sign up for a free account in under 5 minutes. All you need is your email address to get started.
Get a quote
Select your destination country and how much you want to send. We'll give you a quote with estimated costs.
Add your recipient
Add your recipient's payment information. You’ll need details like their name and address.
Verify your identity
We need to know you’re really you! To verify your business, we may ask for additional documentation.
Fund your payment
Which payment method best meets your needs? Select direct debit or wire transfer to fund your FX spot transfer.
Track your transfer
From start to completion, follow the status of your payment in real-time through your Xe account.
Xe’s competitive spot rates
Transparent rates for FX spot money transfers
Xe offers the best exchange rates for your FX spot transfers. All fees are clearly displayed upfront, so you know exactly what you’re paying before confirming your business transfer. Our spot rates are always competitive.
Flexible payment options to fund your business's spot transfers
Xe offers multiple ways to fund your international payments, tailored to your region and needs:
Direct debit (ACH/EFT)
Ideal for smaller payments, this option allows businesses in the U.S. (ACH) and Canada (EFT) to authorize one-time debits from their bank accounts. Delivery times typically take 1-5 business days.
Wire transfer
Perfect for larger payments, wire transfers let you send up to $15 million per day with zero transfer fees. Funds usually reach Xe within 2 business days and are delivered within 24 hours of receipt.
Xe delivers payments quickly
Enjoy fast delivery for FX spot global payments
For payments made via Direct Debit (ACH/EFT), delivery typically occurs within 1-5 business days. Wire transfers with Xe are even faster: funds often reach Xe within 2 business days, and recipients receive the money within 24 hours after Xe processes the transfer.
Real-time FX spot transfer tracking
You can track the progress of your FX spot transfer in our transaction dashboard. You'll always know when your payment is received, processed, and delivered, giving you confidence in the transaction.
Get your business started
Ready to make an FX spot transfer with Xe?
Xe’s FX spot transfers are designed to make international business payments easy, secure, and efficient. With competitive exchange rates and fast delivery speeds, Xe meets all your global business needs.
Questions about spot transfers
A spot transfer is a one-time foreign exchange transaction where you send money using the current exchange rate at the time of transfer. Spot transfers are ideal for paying overseas contractors, making investments, and making large international transactions.
Make fast and reliable spot transfers to over 190 countries in 130+ currencies. They are perfect for one-time payments to suppliers, settling invoices, and more!
Sending money abroad is simple with Xe. It only takes about 5 minutes to create an account. All you need is your email address to get started.
Select your destination country and send amount to receive a quote with your estimated costs.
Add your recipient details like their payment information, address, and name.
For security purposes, you will need to verify your identity. In some cases, we may require additional documentation.
Choose a payment method to fund your spot transfer. Business users can choose between direct debit or wire transfer to pay.
Track real-time progress of your payment through Xe's transaction dashboard.
We offer flexible payment methods to match your needs.
Direct Debit (ACH/EFT): Send up to $25,000 USD or $33,000 CAD in a day. Recipients will receive your payment within 1-5 business days.
Wire Transfer: Wire transfers are perfect for larger transactions, you can send up to $15 million per day with a wire transfer. Funds typically take up to 2 business days to reach Xe and then are delivered within 24 hours.
Direct debit payments usually arrive within 1-5 business days while wire transfers take up to 24 hours to deliver from the time Xe receives the money. It can take up to 2 business days for Xe to get your money once it's sent.
Xe offers competitive exchange rates with no hidden fees. Access live rates before you make a transfer to ensure that you get the best possible rate.