How can we help?

Common Questions

We can only accept payments from an account in your name when using our website or our app.

However, we understand many people use joint accounts and require the need to send money from these. We can help with that.

To help protect you and your money, we need to be able to trace that the transfer has genuinely been made by you using your joint account.

Sometimes the money arrives in our system without both names on the account being visible, making it impossible for us to confirm where it has come from.

Don’t worry. In cases like this, we may just need to contact you to confirm everything is correct before we can send your money.

Let us know if you’ve any questions and our team will be happy to guide you through the process.


Need a fast way to send money to South Africa? Our partnership with Sikhona Money Transfers means you can send up to R5,000 daily (to a maximum of R25,000 a month).

Transfers sent via Sikhona require your recipient to complete a one-time registration to benefit from fee free transfers that typically arrive in minutes. 

Don’t worry if you need to send more than Sikhona allows. Transfers over R5,000 will be send safely and securely using our standard Xe routes.

Why are you partnering with Sikhona?

We want to help you ensure that when you send money to South Africa, you’ll get a great deal and you know exactly how much you’ll receive on the other end. You'll get:

  • Great rates

  • Fast transfer times (arriving within minutes)

  • Absolutely no third-party fees

By partnering with Sikhona, we eliminate the risk of any charges being added by other banks when sending an eligible transfer via this route.

How much can I send?

You can still send the same amount of money you always have with Xe, just with the added bonus that transfers below R5,000 per day can be sent via our new partnership with Sikhona.

There is a daily limit of R5,000 for sending money via the Sikhona route and you can send a maximum of R25,000 per month in this way.

There’s no need to worry if you’re used to sending more than this with Xe. We can still provide you the same service you know and love. 

Our generous daily limits for how much you can send in a single transfer online via our traditional routes still apply. Please find details of our standard Xe daily limits below:

Please note: Your bank or card provider may have their own limits and the Sikhona service is not used for business transfers.

How recipients complete the South African Reserve Bank check

We know you want to get your money moving as quickly as possible. Completing the regulatory checks is simple and won’t take long. 

The recipient will be contacted by Sikhona via email and will need to click on the Get Your Money button in that email.

Sikhona Screenshot

They’ll be asked if they’ve received money from Xe before and if they have a South African mobile number. 

Don’t worry if the recipient doesn’t have a South African mobile number, they can still complete the checks and will just be taken via a different route. 

They’ll be asked for some personal details and to supply a picture of their passport photo page as well as a selfie alongside it. 

Your recipient will receive further communication from Sikhona once the check has been completed. 

Do I need to complete the check if I'm sending money to myself?

All recipients will need to complete South African Reserve Bank reporting requirements before they can receive ZAR from abroad. 

If you’re sending money to yourself, the same rule applies, and you’ll be contacted by Sikohna Money Transfer to complete this check. 

You'll only need to complete this check once.

Where can I send from?  

You can send money from any of our supported locations, as long as it is from a bank account in your name and matches your business purpose.  

For example, If you hold a personal Xe account, you should only book personal transfers on here.

The funds must be settled from your personal bank account which is in the same name as your account with us. 

The same applies to business transfers.

How long will it take?  

It takes between 0 - 3 days for your money to reach Xe, depending on how you pay for your transfer.  Once we receive your funds we make payment to your recipient. 

Most transfers will arrive on the same day, but occasionally some recipient banks can take between 1 - 4 days to deposit the money in your recipient's account.

We will send you a notification at each stage of your transfer so you know where your funds are. 


Forgotten your password?

Not a problem, this is a simple one to fix, just follow these steps:

  1. Head to the sign in page and click the forgot your password link.

  2. Enter the email address you use to log in to your Xe account and we’ll send you a code to verify your identity. 

  3. Go to your email inbox and check for an email from us with your code. If it’s not there, try refreshing your inbox or looking in your spam or junk folder. 

  4. Return to Xe and enter the code in the box as prompted to activate the password reset function.

  5. Create a new password and you’re all set.


We know that when you send us money for your transfer you’re keen to know we’ve got it. Don’t worry. We’ll let you know as soon as we’ve received the funds into our account, there’s no need to call us. 

You’ll be sent an email once we’ve got the money (don’t forget to check your junk folder in case it’s hidden in there) and app users will also receive a push notification if they’ve enabled them. 

What determines how quickly we receive your money?

The payment method you’ve used, the currency you are sending and where you’re sending it from will all determine how quickly we receive your money’. Debit and credit card payments are usually completed quickly. Bank transfers and other methods can take longer, but rest assured our systems are safe and secure and we’ll be in touch when the money has arrived.

We’d normally expect funds to take no longer than a day to reach us, so if you’ve still not received any confirmation beyond this point, check with your bank or card provider to see if there has been a delay in the process.


Xe, HiFX and Continental Exchange Solutions are all part of Euronet Worldwide. Euronet is a world-leading electronic transactions and payments business and gives us greater global reach to help provide you with a faster and safer money transfer service.

We sometimes use bank accounts named either HiFX or Continental Exchange Solutions for transfers. Your money is safe with all of Euronet’s portfolio of companies and this will not affect your money transfer.


We work with a network of global partners to send your money quickly and securely, which also helps us to avoid charges where possible.

The route your money will take is determined by several factors and the information you provide us with, including the currency you’re sending and where you’re sending it to.

This means you may sometimes notice a small change in your send rate as you progress through the money transfer process.

There are a few reasons why the send rate may change during the process of booking a transfer. We’ve outlined the most common reasons below.

We use the live mid-market rate

At Xe we pride ourselves on using the live mid-market rate. 

The market rate for your transfer can change from the point you start your transfer to the point you confirm it. 

Usually this takes no more than a couple of minutes and you’re not likely to see much change at all unless the market is very active. If it is very active, your send rate may increase or decrease.

Your transfer does not qualify for the original rate

We’ll always try and send your transfer at the best rate. 

However, some of our partners are unable to accept certain types of transfers. These are usually payments to businesses and some reasons for transfer. 

While these are the exception, when you add this information to your transfer the system will automatically re-price your transfer. In this case, your send rate is likely to decrease. 

We always tell you when your send rate changes

When you are asked to confirm your transfer, we’ll always tell you if your send rate has increased or decreased during the process. Look out for the banner message at the top your screen. 

Either way, you can rest assured that we’re always looking to send your transfer at the best rate and in the fastest time.



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