Send money globally in minutes, not days
Move money across borders with live exchange rates, clear fees and secure delivery by bank transfer, cash pickup or mobile money.
0M+
customers
0+
countries
$0B+
transferred
How XRemit works
Create an account, verify your identity, add a recipient and confirm the transfer.
Create your account
Sign up with email or phone in under 60 seconds. We send a one-time code to verify it's really you.
Verify with OTP
Enter the 6-digit code from your email or SMS. This protects your account from the very first step.
Complete KYC
Upload an ID document — passport, national ID, or driving licence — so we can comply with global regulations.
Add a recipient
Save recipients once, send forever. Bank account, cash pickup location, or mobile wallet — whatever works for them.
Lock in your rate
Choose the amount and currency. We show the live exchange rate and total cost before you confirm.
Track the transfer
Get real-time notifications from send to delivery. Your recipient is notified the moment funds are available.
Three ways to deliver. One simple flow.
Choose the receive method that fits your recipient — we handle the rest.
Bank Transfer
Send directly to a recipient's bank account in 80+ countries. Funds typically arrive within minutes to one business day.
Cash Pickup
Recipients walk into a partner pickup location and collect cash with a single reference number and ID.
Mobile Money
Send straight to mobile wallets like M-Pesa, bKash, GCash, and more. Available within minutes.
Live rates. Honest fees. No surprises.
We show the mid-market rate and our fee upfront. No hidden margins buried in the exchange rate.
Real-time exchange rates
Rates refresh every 60 seconds from global FX providers, so you always see the live market rate.
Transparent fee breakdown
See the service charge, transfer fee, and exchange rate margin separately — before you confirm anything.
Coupon codes
Apply promotional codes at checkout for discounted fees and special launch rates.
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My Recipients
- ARBank
Aysha Rahman
BRAC Bank • ****4821
- MKCash pickup
Mateo Kumar
OXXO • Mexico City
- JNMobile wallet
Joyce Nyathi
M-Pesa • +254 7•• ••• 042
Recipient management built for repeat sends
Save bank accounts, pickup points, and mobile wallets once. Send to them with two taps from then on.
- Save unlimited recipients
- Edit, delete, or view full details anytime
- Per-country validation for accuracy
- Document storage for compliance
Bank-grade security, end to end
KYC verification, two-factor authentication, and 256-bit encryption protect every transfer.
OTP verification
Every signup, login, and high-risk action is verified with a one-time password to your email or phone.
KYC identity checks
Document verification with OCR-based data extraction and authenticity checks before full access is granted.
Two-factor authentication
Optional 2FA over email or SMS adds a second layer on top of your password for every login.
Data encryption
All sensitive data is encrypted in transit with TLS 1.3 and at rest with AES-256.
Account protection
Device tracking, session limits, and suspicious-activity alerts keep your account in your hands only.
Fraud prevention
24/7 transaction monitoring with machine-learning models flags unusual patterns in real time.
The XRemit app, in your pocket
Send money, track transfers, and manage recipients from your phone. Available on iOS and Android.
- Send in under a minute
- Push notifications at every step
- Biometric login (Face ID / fingerprint)
- Offline support for transaction history
Send to 80+ countries, in 40+ currencies
From the United States to the world, and everywhere in between.
Bangladesh
BDT
India
INR
Pakistan
PKR
Philippines
PHP
Mexico
MXN
Nigeria
NGN
Kenya
KES
United Arab Emirates
AED
Saudi Arabia
SAR
Turkey
TRY
United Kingdom
GBP
France
EUR
Germany
EUR
Spain
EUR
Canada
CAD
Australia
AUD
More countries are added every month. Don't see yours? Get in touch.
Trusted by senders
Real experiences from customers using the transfer service.
“I've tried four remittance apps and XRemit is the only one that's actually honest about the exchange rate. The recipient amount on screen is what my parents actually got.”
Amelia Chen
Software engineer · Sends to China
“Cash pickup in 7 minutes. My mom walked into the agent and the money was waiting. No phone calls, no chasing. Just works.”
Carlos Mendez
Restaurant manager · Sends to Mexico
“The fee breakdown is exactly what I want — service, transfer, and FX margin all separate. I always know what I'm paying for.”
Fatima Al-Rashid
Graduate student · Sends to UAE
“bKash in 3 minutes from New York. My family used to wait days. Now they get the money before I'm done eating dinner.”
Rahim Hossain
Construction worker · Sends to Bangladesh
“Saved recipients is a small thing but it saves me so much time. I send to four people every month and it's two taps now.”
Priya Sharma
Nurse · Sends to India
“The notification at every step is gold. I see when it leaves, when it's converting, when it lands. No more 'did it go through?' anxiety.”
Joel Okonkwo
Freelance designer · Sends to Nigeria
Frequently asked questions
Find clear answers about transfers, verification and delivery.
Delivery time depends on the destination and payout method. The estimated delivery time is shown before confirmation.
Customers may be asked for a government-issued identity document and additional information required by the configured compliance policy.
The transfer fee, exchange rate and recipient amount are displayed before a payment is confirmed.
Yes. Signed-in customers can review the current status and transaction history from their dashboard.
Available payout methods are configured by destination and may include bank deposit, cash pickup and mobile money.
Send money with confidence
Check the live rate and total cost before you confirm.