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XTransfer

XTransfer

All-In-One Business Wallet

141 ratings
236 reviews
With Ads
🔧 Utilities
💼 Business
Free
With Ads

Details

  • Released
  • Updated
  • June 15, 2019
  • July 13, 2026

Developer

xtransfer limited
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XTransfer screenshot #1 for iPhone
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❓5 answered
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📦~ in 2 weeks
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About

This app provides a comprehensive financial solution for small and medium-sized enterprise traders, simplifying cross-border payments. It allows users to send and receive money in multiple currencies globally, offering secure and cost-effective transactions with no account opening or maintenance fees.

✓Global business wallet
✓Cross-border payments
✓Multi-currency support
✓Online account opening
✓Low-cost currency exchange
✓24/7 instant payments
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What users say

Summarized from real user reviews of XTransfer. Based on 141 reviews and a 4.6/5 average, it highlights the 21 positives and 14 negatives reviewers mention most about this Business app.

Positive things

  • 🚀Fast Transfers
  • 👍Good User Experience
  • 🔒Stable and Reliable
  • 💰Fair Rates
  • 🌍Global Reach
  • 🤝Efficient for B2B
  • 🕰️Helpful for Traders
  • 🧠Intuitive Design
  • 🔍Transparent Pricing
  • 🕰️Faster Than Expected
  • 🕰️Instant Payments
  • 🔒Secure and Reliable
  • 🤝Handles Volume Well
  • 🤝SME-friendly
  • 🤝Suitable for Importers/Exporters
  • 🤝Tailored for SMEs
  • 🤝Ideal for Exporters
  • 🤝Lifesaver for Small Businesses
  • 🤝Excellent for Business Payments
  • 🤝Perfect for Global Invoicing
  • 🤝Seamless Cross-Border Payments

Negative things

  • 🐛Minor Issues with Notifications
  • 🐛Occasional Crashes or Freezes
  • 🕰️Inconsistent Loading Times
  • 🕰️Weekend Delays
  • 🕰️Slower for Exotic Currencies
  • 🕰️Weekday Transfers Faster Than Weekends
  • 🔍Limited Search Functionality
  • 🎨Outdated UI Design
  • 🕰️Slower During Peak Hours
  • 🕰️Occasional Lags
  • 🕰️Payments Take Longer Than Expected
  • 🕰️Inconsistent Transfer Speeds
  • 🔍Tracking Could Be Clearer
  • 🕰️Onboarding Process Too Slow
See all reviews

What's New in XTransfer

3.8.6

July 13, 2026

New : A search feature is ready on the receiving account opening page for a seamless setup. New : Simply scan XTransfer ID QR codes to transfer money instantly with zero fees. New : "Instant Pay" Launched: A faster way to transfer to local accounts. Update now to try it out!

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User reviews

Most RecentHighest RatedLowest Rated

xt会突然封帐号

不要用 他会突然就把帐号封了
不要用xt不要用xt

Fast Transfers, When They Go Through

When it works, it's lightning fast. On two occasions, my transfer failed and I had to re-enter all the details from scratch.
BrowderBurnettgBrowderBurnettg

Minor Issues with Notifications

I love the app, but I don't always get a push notification when a transfer is cọmpleted. I have to check the app manually.
Lucrecia_HoggrLucrecia_Hoggr

Better Than Most Banks

Far superior to my bank's international transfer service. However, the transfer limit is a bit low for my needs.
phyllisbelledphyllisbelled

Good user experience

Easy to use, but some features are hard to locate.
Marino_MusecMarino_Musec
See 231 more reviews

User experience

🐞

Reported Bugs

4 issues

Unexpected Logouts

Bug

Incompatibility with Older Devices

Bug

Login Screen Freezes

Bug

Notification Delays

Bug
✨

Requested Features

8 requests

Dark Mode Option

Feature

Batch Payment Capabilities

Feature

More Third-Party Integrations

Feature

Improved Approval Workflows

Feature

Enhanced Notification System

Feature

Real-Time Chat Support

Feature

Expanded Offline Viewing

Feature

Biometric Payment Confirmation

Feature

FAQ

What does XTransfer do?

XTransfer is a financial and risk management service provider designed to make cross-border payments easy and affordable for SME traders. It functions as an all-in-one business wallet, enabling users to pay and get paid globally in over 15 currencies.

What are the key features of XTransfer?

Key features include a global business wallet supporting 15+ currencies, streamlined online account opening with no fees, high-speed and low-cost local currency receipts, secure and stable transactions, 24/7 instant payments between XTransfer accounts, and competitive online currency exchange rates.

Is XTransfer free to use?

The app offers free online account opening and maintenance. While the core services are free, the presence of in-app purchases suggests there might be additional features or services available for a fee. The app also displays ads.

Who is XTransfer for?

This app is specifically designed for small and medium-sized enterprise (SME) traders who conduct international business. It aims to simplify their financial operations, especially for those dealing with cross-border payments and multiple currencies.

How does XTransfer help with cross-border payments?

It facilitates effortless and cost-effective cross-border payments by allowing businesses to receive funds in local currencies quickly and at low costs. It also offers secure and stable transactions, aiming to prevent account freezes, and provides 24/7 instant payments between XTransfer accounts with no fees.