Mukuru vs Xe Comparison At a Glance
We've divided the key information you need to know when comparing Xe vs Mukuru into several aspects: pros & cons, coverage, pricing, limits, supported asset management, accounts and their onboarding, security, user experience and the company's info. However, if you want a quick side-by-side Xe vs Mukuru comparison to see which one is rated better, check out the table below.
With an overall score of 8.9, Xe clearly comes out on top. Mukuru, by comparison, holds a rating of 6.0. As for the service quality and advantages you get considering the platform’s costs, Xe outperforms Mukuru as well, offering better value for money.
To give you a broader view of the money transfer service market, we've also put Mukuru and Xe next to Ogvio, which has the highest overall score. You'll see how all three compare throughout this page.
Compare Other Money Transfer Services
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| Per-transaction | Per-transaction | Per-transaction | |
| A global money transfer service with an additional volatile currency rate pegging to USD and EUR feature. | An app for international transfers that shows rates and fees upfront across its web and app. | An easy and secure money transfer service primarily focusing on African countries. | |
| Visit site Read review | Visit site | See TOP10 Brands |
A Detailed Comparison of Xe vs Mukuru
Find out which provider offers the fastest, cheapest, and simplest ways to send money with this elaborate Mukuru vs Xe international transfer comparison table. From supported delivery methods and fees to any extra features, you'll see it all in one place.
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Coverage |
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US
Germany
France+160 more |
UK
Germany
Australia+190 more |
China
India
Germany+50 more |
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EN ID CN +6 more |
EN DE ES +16 more |
EN |
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USD
EUR
CAD+40 more |
EUR
USD
GBP+90 more |
USD
GBP
EUR +20 more |
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USDCEURC 
BONK+ 300 more |
Fiat-only |
Fiat-only |
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Pricing |
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| Free | N/A | Varies | |
| Free | N/A | Varies | |
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Limits |
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| No minimum | N/A | N/A | |
| No minimum | N/A | Unspecified | |
| No minimum |
US bank/wire - $3,000 CA bank/wire - $3,000 |
R10 | |
| No limits |
UK - £375,000/day EU - €375,000/day US - $500,000/day |
R1,000,000 | |
| No limits | N/A | R5,000/day | |
Asset Movement |
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Accounts |
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| Coming soon | None | Physical card | |
Security |
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| Name, surname, possibly ID, and selfie | Name, surname, ID, proof of address | Name, surname, ID | |
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User Experience |
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| Coming soon | Android/iOS | Android/iOS | |
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EPP portal | |
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1 Crypto trading 2 Staking |
1 Not offered |
1 VALR investment |
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1 Username functionality 2 No freezes 3 Referral program |
1 None |
1 Fast Loan 2 Funeral Cover |
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Company's info |
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| 2025 | 1993 | 2004 | |
| Vytautas Zabulis | Beric Farmer, Steve Dengler | Rob Burrell | |
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| MSB | FCA, DNB, NYDFS, NMLS, FINTRAC, ASIC | FCA, SARB, FSP | |
| Visit site Read review | Visit site | money-transfer-service-compare.seeTop10Brands | |
Xe vs Mukuru Comparison Result Analysis
It's clear there are both Xe vs Mukuru differences and similarities. Let's go over some of the key aspects and see which is more suited for your remittance needs.
Supported Countries & Currencies
Speaking of worldwide reach, Xe is supported in UK, Germany, Australia and +190 more countries, while Mukuru is supported in China, India, Germany and +50 more countries.
As for fiat currency support, Xe can be used to transfer EUR, USD, GBP and +90 more currencies. In the meantime, Mukuru supports USD, GBP, EUR and +20 more currencies. Keep in mind that some money transfer services also support crypto – check out the table above to see which ones are available on Xe and Mukuru (if any).
Verdict at a Glance:
Considering the overall reach, Xe offers broader country support than Mukuru. When it comes to fiat you can transfer, Xe is a clear winner with EUR, USD, GBP and +90 more currencies.
Fees
When it comes to the pricing structure, Xe uses the per-transaction pricing model with n/a transaction fees. Mukuru also uses the same model and has variable transaction fees.
Check Xe vs Mukuru fees comparison of deposits, withdrawals and any other priced actions in the table above. You can also see if these platforms apply an exchange rate markup.
Verdict at a Glance:
Both Xe and Mukuru use the per-transaction pricing model. Xe has n/a transaction fees & Mukuru has variable transaction fees.
Transfer Speeds
Xe is known to offer average transaction speed. It may sometimes vary depending on the delivery method, though – Xe supports Bank deposit and Cash pickup.
Mukuru supports Card as delivery methods and offers average transaction speed.
Verdict at a Glance:
Xe and Mukuru generally offer the same transfer speed, though it can sometimes depend on your chosen transfer method and the countries you send from/to.
Limits & Funding Methods
Xe can be funded via ACH, EFT, SEPA, Wire, Card, Apple Pay and Google Play, and it limits its transfers in the following way - UK - £375,000/day; EU - €375,000/day; US - $500,000/day.
Mukuru puts limits on transactions as follows – R1,000,000. Considering available funding methods, you can deposit money to Mukuru via Bank, Card and Cash.
By the way, many (but not all) providers set minimum deposit, withdrawal, and transfer amounts, which you can check in the Xe vs Mukuru comparison table above.
Verdict at a Glance:
Regardless of how similar or different Xe and Mukuru seem, always check your account for actual limits because some platforms tie them to your verification level and country.
Summary
This thorough Xe vs Mukuru comparison puts Xe ahead based on several factors. However, if we compare either with Ogvio, it outperforms both, having an overall score of 9.8. It provides the highest value for money considering its low-to-no costs, ease of use, worldwide support, and transaction speed. That's why it ranks as the top money transfer service provider.
How Is This Xe vs Mukuru Comparison Created?
1. We Collect
All information in this Xe vs Mukuru comparison comes from official provider pages, their fee schedules, verified payout samples, and personal testing. We check each country/currency coverage, fees, funding & payout methods, limits, and much more. You can be sure that all the collected information is accurate and up to date.
2. We Examine
Our experts double- and triple-check every data entry in the provider pages and trusted sources. We convert different fee formats into one standard layout, bring all info to the same baseline, and ensure you get all the essential details. The result is clean, comparable information you see in our Money Transfer Services Comparison Tool.
3. We Rate
We rate each provider to make choosing between Mukuru vs Xe for travel or remittances simple. Our score blends fees, markup presence, transfer speed, coverage, limits, security, and other factors. Each provider gets a clear score and a short verdict so you can quickly see which is cheapest, fastest, or best for specific use cases.
4. You Choose
Then, it's your call. After we compile the data and rate each provider, you can go over the quick and detailed Xe vs Mukuru comparison tables to place each provider's fees, coverage, delivery methods or any other aspects that matter to you side-by-side. This way, you can pick the best money transfer service for your needs.
FAQ
Is Xe better than Mukuru?
For some users, Xe might be better, while others might prefer Mukuru. It generally depends on your needs. When comparing Xe vs Mukuru for international payments or other use cases, always start with coverage and asset support, then make sure to check total costs and available delivery options. If neither option is suitable for you, consider exploring alternative money transfer services.
What is the best international money transfer service?
"The best" is a subjective term. Users seeking cash pickup or home delivery options will opt for more traditional money transfer services. Others, who seek speed, convenience and low costs, might choose neobank-like services. Speaking of which, one of the best new generation money transfer providers to watch is Ogvio. It’s all about low-to-zero fees, worldwide reach, and instant money transfers. On top of that, with EUR- or USD-denominated accounts, it helps protect funds from local inflation or currency depreciation.
Can I use more than one money transfer app?
Yes, using multiple money transfer apps sometimes might even be a better idea than sticking to one. For example, one provider might offer the lowest costs and fastest speeds, which would be highly beneficial for everyday transfers, while another can provide you with home delivery or cash pickup when you need it. You can surely find the most suitable providers for you using our Money Transfer Service Comparison Tool.
How do Xe vs Mukuru compare in terms of country and currency support?
Xe is supported in UK, Germany, Australia and +190 more countries and can be used to transfer EUR, USD, GBP and +90 more currencies. Mukuru, on the other hand, is supported in China, India, Germany and +50 more countries and allows USD, GBP, EUR and +20 more currencies transfers. Some providers might be better than others in specific countries or regions (e.g., the Philippines, India, Mexico, etc.).
Which is cheaper for international transfers, Mukuru or Xe?
Both Xe and Mukuru use the per-transaction pricing model. To see which is the cheaper option, check Xe vs Mukuru fees comparison above in the "Pricing" field. There, you'll find transaction, deposit, withdrawal, and any other costs, including whether or not they add an exchange rate markup. If neither is cheap enough, check out other money transfer providers.
How to compare platforms with this Money Transfer Service Comparison Tool?
It's very easy to use, just pick two services you want to compare in the drop-down menu and click "Compare Now". Once you do that, you'll get an instant money transfer service comparison. As you scroll through it, you'll find all the key info, including the platform's reach, speed, supported methods, limits, extra features, and the best money transfer fee comparison for 2025 and beyond.
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