XTransfer Reviews 42

We employed Xtransfer for our business in China. Before receiving the first payment from our client, we contacted Xtransfer's risk management department and provided the details of the client (and other related documents like invoice) to ensure a smooth transaction.
We received the response from Xtransfer that there would be no issues with the transfer as the client passed the Xtransfers internal checking.
But once the client wired the payment the troubles started. According to Xtransfer the client was now suspicious and therefore we could not receive payment unless we provided further information including Whatsapp messages (the only mode of communication that Xtransfer accepted) between us and the client, and alot of other information.
We spent several days to provide the documentation and in the end they did not accept the tranaction.
Needless to write that they of course deducted the transction fees (about 200 €) from the transferred amount. And needless to write that no apologies were provided. A more reputable and serious company would have definitely provided an apology and refunded the full amount.

My advise is not to employ this company, as the information that is provided will likely not be correct. All they seem to be interested in to receive their commissions (based on the tranactions).

Update 5/5/2026
Received the below general answer from Xtransfer, requesting further details for "assistance", despite me providing them when submitting my original review. As expected no apologies or offer for reimbursement was received, which further proves my point.

If I could give XTransfer zero stars, I absolutely would. This has been one of the most frustrating financial platforms I have ever dealt with.

Payments are constantly getting bounced back for no clear reason, even when everything is submitted correctly. It feels like you can never rely on them to actually process a transaction smoothly. Every single time there is an issue, and there will be an issue, you are stuck waiting around for support to respond, which takes far longer than it should for something involving your money.

Their platform itself is also incredibly unreliable. It is buggy, slow, and clearly not built to handle real business needs. You will think something has gone through, only to find out later that it has not, or that it has been rejected without proper explanation.

Customer support is another nightmare. Instead of quick resolutions, you get delays, vague answers, and a lot of back and forth with no real outcome. Meanwhile, your funds are in limbo and your business operations are affected.

Overall, XTransfer is stressful, unreliable, and a huge waste of time. There are far better alternatives out there. Save yourself the headache and avoid this platform completely.

收款丝滑很迅速，业务经理对接事宜也处理的及时。很多设置都非常人性化。希望XT越来越好！即使在节假日，处理数据也很及时。业务经理非常专业，会一步步的帮助指引操作。

This platform makes it easy for us to send large amount of money to Chinese suppliers. It is fast and easy to operate. Very credible payment platform.

It’s very lucky to meet XT. Very convenient to accept foreign money, transfer and make payments, which help my business a lot. I have recommended to many friends and will continue to use it.

Nice . Can get good rate

Exchanged be fast! All time available! Rate all time can be check! Money be safe! Also many many country account can be open!

My experience with XTransfer has been consistently excellent! The cross-border payment process is straightforward and hassle-free, with much faster processing times compared to other platforms. The fee is competitive and clearly displayed upfront, which is really reassuring. What impresses me most is the stable system and the warm, patient after-sales support—every detail makes me feel valued as a user, and I highly recommend it to anyone in need of cross-border financial services.

good service，relatively convenient，is good for using in business，recommend to friend to use xtransfer，help us solve receiving payments problem

Great efficiency using XT. Specially they have a professional service team online to help each moment. Every thing is so smooth to save a lot of efforts.

Excelente, muito prático e os pagamentos dos clientes são processados rapidamente. O recurso de link de pagamento local também é excelente; tenho usado constantemente e é um grande benefício para quem está envolvido no comércio internacional.

结款速度快，操作简单，特别是客户经理，有事的话。不管什么时候，他们都会为你服务，他们的结款是专业的，服务也是专业价格的。感谢XT这几年的陪伴，让我解决了外贸收款的问题，同是，也特别感谢我的客户经理。谢谢！我们共同进步！

XTransfer is the top choice for foreign trade payment collection! It offers fast local multi-currency collection with zero intermediary bank fees. The funds are managed by the bank and there is no limit on compliant foreign exchange settlement. The customer manager is also very responsible and can help with any collection issues immediately. It's really a great platform. I highly recommend it

作为深耕外贸行业多年的用户，必须真心推荐XTransfer这款跨境收款神器！它完全解决了外贸人最头疼的收款难题，用下来全是省心亮点。从开户到收款、结汇、退税，XTransfer真正实现了一站式跨境金融服务，是外贸人拓展全球市场的靠谱伙伴，强烈推荐给所有做跨境贸易的同行！收汇很快业务经理很好，对做出口生意的企业太友好了。

I'm thoroughly impressed with XTransfer
(1) Ligthning-Fast Transfers: Payments arrive in minutes, not days unlike some other Fintechs that took days to deliver
(2) Unbeatsble Rates: Transparent fees, no surprises
(3) Top-Notch Security: Bank grade protection + 24/7 expert customer care support.
(4) Scalable and Simple : Perfect for businesses of any size .

In everyway, XTranfer delivers excellence, reliability, speed and customer care support. Highly recommend for effortless global transactions 🌎👋

5/5 stars - keep pushing boundaries 😊

收款便捷到账速度快，效率高，转账便捷到账速度快，结汇便捷，到账速度快，汇率实时更新方便，多个币种可收，本地账户开通方便，收款也方便。

xtransfer is a good channel for connecting us with china traders, the app and also the website are easy to access. it takes just a few second to bring ur fund to your account, which is really wonderful. and also the xtransfer managers are very helpful in any kind of problems, will continually using xtransfer for my business.

XTransfer has really made a big difference for my import business. I want to sincerely appreciate Will Wu from the Shanghai head office for his support. In the past I using a computer used to feel like a nightmare for me. But thanks to his patience, everything became much easier.

Even though I faced some issues in the beginning, I can now confidently use my own international payment account. In today’s global market, this is truly one of the safest and most cost-effective payment platforms out there.

very good good

Excellent and convenient to use