How do I send the money for my transaction?

In order for us to process your transaction and send money to your beneficiary, we need to receive your payment first.

You can pay us with via these methods:

  • Bank transfer
  • Debit or credit card

These payment methods must be registered under the name of the Xendpay account holder.

Please note that we don’t have access to your bank account. Therefor we are not able to automatically charge your bank account.


Bank transfer:

When you choose to pay by bank transfer, we need to receive your funds in our account to process the payment to your beneficiary. You will receive Xendpay bank details in your confirmation email at the end of the transaction. With these details, you can process your bank transfer from your internet banking or directly from your branch.

We have bank accounts in many European countries so you will need to process a “local bank transfer”. If you live in Europe, you can also process your payment to our UK bank account. In this case, you need to process a SEPA bank transfer.

Local bank transfer and SEPA transfer are free (moreover some banks can charge you to process a bank transfer). We advise you to process your bank transfer using your online banking platform.

You will receive an email once we have received your money.

We usually receive your deposit on the same day but it could take longer according to the currency sent. For instance, GBP transfers arrive within a few working hours, but Euro transfers can take 1-2 working days.


Debit or credit card:

If you choose to pay by debit or credit card, you will need to process your payment online. We will ask some standard information about the card (card number, CVC, expiry date etc.). If the payment is successful, we confirm the transaction immediately.

Please note that maximum amount for card payments on Xendpay is £5,000. You can make more than one card payment per day.


How much does it cost?


  • FREE for debit cards in all European countries,
  • 2.6% of your payment amount for debit card in all other countries.


  • 1.7% of your payment amount for credit card in all European countries, 
  • 2.6% of your payment amount for credit card in all other countries.

Please note the name on your credit/debit card must be the same than your Xendpay account name.



SOFORT banking is an online direct payment method which allows you to make a bank transfer without logging in to your internet banking. When you pay us using SOFORT, we have the guarantee you made your bank transfer. We don’t need to wait to receive your money before we pay your beneficiary. The transfer is instant and you save time!

SOFORT is available in Austria, Belgium, Czech Republic, France, Germany, Hungary, Italy, Netherlands, Poland, Slovakia, Spain, Switzerland, UK.

SOFORT payments are only available on transfers under €10,000. 

The fees are £1.50/€2.00 for any amount.

To pay by SOFORT, select it as payment method when you set up your transfer.

Then you will be taken to SOFORT’s payment system. From there, simply log into your bank account, and follow the steps onscreen.

Once your bank transfer is processed by SOFORT and your transaction is confirmed, you will receive a transaction confirmation by email and we will send the money to your beneficiary.


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