Xe · FX specialists
Xe Business Account review
Xe, owned by NASDAQ-listed Euronet Worldwide, combines 30+ years of currency expertise with a modern business account. It sends payments to more than 190 countries in 145+ currencies, and offers multi-currency accounts with no setup or monthly fees.
Who Xe is best for
Businesses paying suppliers or staff in many countries, finance teams that want forwards, limit orders and options and companies that want multi-currency accounts with no monthly fee.
Businesses wanting fully published, self-serve FX margins.
Xe, owned by NASDAQ-listed Euronet Worldwide, combines 30+ years of currency expertise with a modern business account. It sends payments to more than 190 countries in 145+ currencies, and offers multi-currency accounts with no setup or monthly fees.
For risk management, Xe provides forward contracts, limit orders and options, backed by 24/7 access to FX specialists. It integrates with ERP platforms like Microsoft Dynamics 365 and Sage Intacct, and its currency data API is widely used. FX margins are built into the quoted rate rather than published, so compare your quote against the mid-market rate.
What could a currency move cost you?
October 28, 2026 · Bank of Canada
Today this payment costs about C$350,900
A forward contract could lock today’s rate for this payment, due in 3 months, so the cost can’t rise.
Scenarios show what a move of that size would cost; they are not a forecast. Forward rates include the provider’s pricing and an interest-rate adjustment.
Ways Xe protects your rates
Forward contracts
Lock today’s rate for a payment due later, so a known cost can’t rise.
Options
Set a worst-case rate while keeping the upside if the rate moves in your favour, for an upfront premium.
Limit orders
Convert automatically when the rate reaches a target you choose.
Fees, features and eligibility
| Hedging tools | Forward contracts, limit orders and options |
|---|---|
| FX margin | Margin built into the quoted rate |
| Fees | No setup or monthly account fees |
| Transfer speed | Many payments arrive in minutes |
| Provider type | FX specialist |
| Currencies | Payments to 190+ countries in 145+ currencies |
Source: Xe published product information.
What stands out
Pros
- Payments to 190+ countries in 145+ currencies
- Forward contracts, limit orders and options
- Multi-currency accounts with no setup or monthly fees
- ERP integration and currency data API
Cons
- FX margins are not published
Xe: common questions
Does Xe offer hedging?
Yes. Xe offers forward contracts, limit orders and options, with dealers who help build an FX risk strategy.
How is Xe priced?
There are no setup or monthly fees for the business account. The FX margin is built into the rate you are quoted, which depends on the currency pair and amount.
Does Xe integrate with accounting systems?
Yes. Xe connects with ERP platforms such as Microsoft Dynamics 365 and Sage Intacct, and offers a currency data API.
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