If I could give less than 1 star I would. I signed up with XE in order to transfer US dollars To CAD in order to purchase in Canada. It was a large transfer... I called several times to make sure the transfer was going through and to check the status. I only received form letter responses, never a the call back I requested. After the Available Date, the Date the funds were supposed to be available to me in my Canada Bank passed I contacted my bank to refund the wire transfer. This is in process. I would say that even though XE advertises to save you money, using a bank directly is the safes option. Especially with large monetary transfers. Lesson learned!