XTransfer is a B2B cross-border trade payment platform designed to help small and medium-sized enterprises (SMEs) pay and get paid internationally with more transparency, speed, and control. Built for real-world trade scenarios, it combines global payment capabilities with a business-focused wallet experience, competitive foreign exchange, and compliance processes that reduce the friction many SMEs face when moving money across borders.
With XTransfer, businesses can open an account and manage incoming and outgoing international funds through a multi-currency business wallet. This makes it easier to receive payments from overseas customers, hold balances in different currencies, and pay suppliers or partners in other countries without relying on slow, costly, or opaque traditional banking routes. The platform also supports currency exchange, helping companies convert funds when needed and aim for better value through more competitive rates.
Compliance and security are core parts of the service. XTransfer emphasizes safe and compliant international transactions, providing checks and controls intended to protect businesses and support legitimate cross-border trade. For day-to-day operations, the platform is positioned to streamline payment workflows so finance teams can track transfers, manage currency needs, and maintain consistency across recurring international payments. more
Account Opening
Free
No account opening fee
Account Maintenance
Free
No maintenance fee
Transfer Between Xtransfer Accounts
Free
Enjoy free transfer between XTransfer accounts
Send Money to Your Company's Bank Accounts
From US$3
Per transaction, supporting 200+ countries/regions
Send Money to Someone Else's Business Bank Account
From US$6
Per transaction, supporting 200+ countries/regions
Send Money Your China-based Suppliers' Personal Bank Accounts
A max. fee of 0.4%
Of the transaction amount in CNY
Add Money from Bank Accounts
Free
From 0.5% for COP, PEN, CLP and ZAR
Receive Local Currencies from 20+ Countries/regions
Free
From 0.5% for COP, PEN, CLP and ZAR
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