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Read MoreMaya July 12, The services provided by XE Money Transfer itself are fee-free, but transferring money with the service still involves costs, since any transaction fees charged by destination banks will be borne by the sender. Learn more about how we fact check. Worldwide network. It turns most of its profit on the spread, which is the difference between the price you receive for a transfer and the price it actually costs Xe to complete it. Are you visiting from outside the US?