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Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
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Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Xe

Payment institution · United Kingdom

About the company

Legal company nameHiFX Europe Limited · HiFM Limited · Xe Europe B.V. · HiFX Australia Pty Limited
Year founded1993
Headquarters / registered countryBracknell, United Kingdom
Websitewww.xe.com
Last checked08.10.2026

According to its official website, Xe is an international money transfer and foreign exchange brand with roots going back to 1993, owned by the Nasdaq-listed Euronet Worldwide group; the site says transfers can be made in 130 currencies to more than 190 countries. In the United Kingdom, Xe Money Transfer is provided by HiFX Europe Limited (registration number 462444), whose registered office is in Bracknell (1 Arlington Square) and which the site says is authorised by the FCA under the Payment Services Regulations 2017. FX options and structured products for business clients are provided by HiFM Ltd (FRN 446302), presented on the site as a sister company and stated to be authorised and regulated by the FCA; the site says these services are not available to retail clients. Business services include international payments, forward contracts, limit orders, mass payments and a payments API. Group companies include Xe Europe B.V., authorised by the Dutch central bank (DNB), HiFX Australia Pty Limited, licensed by ASIC in Australia, HiFX Limited in New Zealand, Xe Corporation, registered with FINTRAC in Canada, and Dandelion Payments, Inc., which the site says holds money transmitter licences in US states including New York. This information is the company's own statement.

Account Details

ACCOUNT TYPESPersonal · Business
MIN. DEPOSITNot stated
PLATFORMSXe website · Xe mobile app · Payments API
PRODUCTSInternational money transfers · Business payments · Forward contracts · Limit orders · Mass payments · FX options and structured products (HiFM, business only)
LEVERAGENot stated

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 446302
Licence holderHiFM Limited
ScopeListed in the FCA register under HiFM Limited (FRN 446302); status Authorised since 25 Aug 2006. It holds permissions to deal in investments as principal and as agent, arrange deals and advise on investments.
StatusVerified

FCA (United Kingdom)

Licence no.FRN 462444
Licence holderHiFX Europe Limited
ScopeListed in the FCA register as an Authorised Payment Institution under HiFX Europe Limited (FRN 462444); the status field shows "See full details" and the notice could not be read, so the current status could not be verified.
StatusPending verification

DNB (Netherlands)

Licence no.R149006
Licence holderXe Europe B.V.
ScopeThe company states that Xe Europe B.V. is authorised by the Dutch central bank (DNB) as a payment services provider (R149006). The record could not be verified because the entity name section of the DNB register could not be read.
StatusPending verification

ASIC (Australia)

Licence no.AFSL 240917
Licence holderHiFX Australia Pty Limited
ScopeListed in the ASIC licence dataset as an AFS licence (240917) held by HIFX AUSTRALIA PTY LTD, since 4 Feb 2004; authorised to deal and make a market in derivatives, foreign exchange contracts and non-cash payment products for retail and wholesale clients.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: July 2026 – October 2026

  • Withdrawal / payment: 49
  • Identity verification: 15
  • Other: 14
  • Account / trading conditions: 12
  • Customer support: 4
  • Bonus / promotion: 1

No. 106 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Withdrawal / payment: 67. · Identity verification: 31. · Other: 47. · Account / trading conditions: 272. · Customer support: 242. · Bonus / promotion: 102.

SOURCES REVIEWED

The complaint distribution is based on the latest 1-star reviews on Xe's Trustpilot page (95) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Xe name are left out. Across the complaints, delayed transfers or transfers that never reached the recipient, repeated document and identity verification requests, and accounts closed without explanation stand out.

Sources and verification history

Official company sourcesxe.com — homepage (en-gb), Business, FX Options and Structured Products (UK business), Large money transfer and Money transfer fees pages; help.xe.com United Kingdom Regulatory Information and platform integration legal disclaimers
Regulator recordsFCA — HiFM Limited, FRN 446302 (register.fca.org.uk) · FCA — HiFX Europe Limited, FRN 462444 (register.fca.org.uk, status details could not be read) · ASIC — HIFX AUSTRALIA PTY LTD, AFSL 240917 (data.gov.au)
Company registerCompanies House — HIFM LIMITED (formerly HIFX FINANCIAL SERVICES LIMITED), company no 05448864, incorporated 11.05.2005 · HIFX EUROPE LIMITED, company no 03517451, incorporated 26.02.1998
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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