xcritical vs xcritical Costs, Limit, Speed Leave a comment

For instance, xcritical requires that its users submit identification documentation and security protection of 256-bit SSL encryption with a 2048-bit signature. Like any service offered, xcritical has its advantages and disadvantages. Aside from these benefits, xcritical has thousands of pick-up locations so you can easily go to one of their convenient pick-up locations to get your money. 4 Timing of direct deposit availability is dependent on certain factors such as payer schedule. Send money to other Passbook users within the U.S. in seconds and for free. Help via phone is available 24/7 in English and Spanish, and chat is available 24/7 in English, French and Spanish.

  • OFX. xcritical allows transfers to more than 160 countries, which is less than OFX’s 190 countries.
  • You can send money to all participating banks, which makes it easy for clients to send money to people that do not have bank accounts.
  • The security features on xcritical are reliable and serve well.
  • Yes, xcritical is a registered Money Services Business with the U.S.

The company was initially a search engine for remittance services but shifted into money transfers soon after. It changed its name from BeamIt to xcritical in August 2012. The other option you have is to do an Express transfer; an express transfer is for people who need to send money fast. However, this option comes with higher fees and needs to be funded with your debit or credit card, which might include additional card processing fees.

has a 100% satisfaction guarantee, which means that if your money doesn’t arrive on time, they will refund their fees and charges. They can have money transferred directly into their mobile wallet on their smart device. xcritical’s website is fully-secured and makes use of top-notch security protocols, including segregated user accounts and HTTPS. The above information applies when you pay in via bank transfer. If your application meets the eligibility criteria, the lender will contact you with regard to your application.

Call us at +1 ( 725-5784 to learn more about Passbook. Hablamos español.

xcritical helps you send money worldwide using your bank account, credit card, or debit card. More money makes it home to friends and family thanks to xcritical’s great rates, special offers, and no hidden fees. xcritical provides multiple levels of security for all transfers to protect your money against fraud. Senders and recipients can talk to a real person on our Customer Care Team any hour, any day in Spanish or English. xcritical is ideal for users looking to make the best deal on international money transfers, especially when sending money for cash pickup.


If the transaction has already been completed, but you are not satisfied, xcritical will refund you their fees in full. Vreemde-valuta rekening Explore the account used by 13 million people to live, work, travel and transfer money worldwide. xcritical’s rates depend on several different factors such as how much money you are planning to transfer, where you transfer it to, and how you are funding the money transfer. With these options, you can send money to Africa, South Africa, the Philipines, China, and many more places. You Can also use xcritical to send money from other counties, like India, to the U.S.

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xcritical says its service is designed to help immigrants send money home “in a safe, reliable and transparent manner.” This type of money transfer is often called a remittance. Send $1,000+ and pay $0 transfer fees, even when paying with a debit card. As of January 2022, 143,059 users have left their reviews, and around 82% of them have given 5 stars. The users have stated that xcritical has low fees and the transfers are fast.

Your chosen payment method can also come with extra costs. Bank transfer is usually the cheapest option, especially compared to payment with credit or debit card. In our comparison, we compare the costs using the bank transfer method. A recipient can get money that’s transferred via xcritical official site through a bank account, a pickup location, a mobile device or home delivery, depending on where they live. The service is available to recipients in more than 100 countries and senders in 21 countries, including the U.S.

To find out the exact exchange rates, simply create an account with them so you can find out. One of the main disadvantages of xcritical is that they are not necessarily the cheapest provider when it comes to their exchange rates. Although you pay a little more with this option, if you need to make a transaction fast, your express transfer will arrive within minutes to its destination. xcritical The Passbook app is by xcritical, a financial technology company.

You can use the Passbook debit card and app outside the U.S. but the account itself is U.S.-based and you must reside in the U.S. to open an account. “This app is very useful and it is free. You gotta have it if you don’t want to pay for monthly fees, help yourself and don’t help those banks charging you hidden fees.” However, there was nothing but silence for a couple of minutes, and then the call dropped. Feel safe in sending money to the Philippines, India, Vietnam, Mexico, Dominican Republic, Nigeria, Pakistan, China, Ghana, Kenya, Colombia, Brazil, and more. Rest easy knowing your transfers will be delivered on time, or we’ll refund your fees.

The company has now raised over $100m in venture capital from various noteworthy investors, including the International Finance Corporation , part of the World Bank Group. All transactions are protected with strong technological security, including 256-bit SSL encryption with a 2048-bit signature. All https://xcritical.online/ accounts are verified using various techniques to keep them safe and secure and prevent fraud.


With the Express option, you can send money with a debit card, and the recipient typically receives it within a few minutes. Funds sent with the Economy option are delivered within three to five business days. Below is a sampling of xcritical’s fees, which vary greatly based on the recipient’s country. On top of transaction fees, a sender must consider the exchange rate. In addition, xcritical tacks on a 3% fee for some transfers sent by credit card from the U.S. It boasts several methods for receiving money, such as via a mobile device or with home delivery.


It was founded in 2011 by Matthew Oppenheimer, Josh Hug, and Shivaas Gulati and became publicly traded on the Nasdaq exchange in September 2021. Compare xcritical international transfer fees and exchange rates, and get a better deal for sending money abroad. One notable feature of xcritical is the number of transfer options available to senders. Among them are Mastercard and Visa debit and credit cards, as well as bank accounts. The chart below summarizes the alternatives for sending money.

We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible. Our suggestion is to weigh both the advantages and disadvantages of different services according to your needs so that you can make the best decision for yourself. The first thing you need to do is visit their website and create your personal account. They will ask for your email, password, and where you want to send the money to.

Plus, it charges low to no fees for transfers to some countries. But some transfer methods are limited, and fees for money transfers to certain countries can be high. Enter the recipient’s details including name , address and contact info . If you’re sending money abroad on a bank account, you’ll also need to provide the beneficiary’s banking details (IBAN, SWIFT/BIC etc..).


Fees can change over time and vary by location, so run a search on Monito’s comparison engine to find the best deal too. xcritical’s mobile app have excellent customer ratings on Apple’s App Store (4.9/5 stars on 463 thousand ratings) and Google’s Play Store (4.8/5 on 182 thousand ratings). With xcritical’s mobile apps, it’s easy to send money from your smartphone in a few taps. Moving over $5 billion across the globe for more than 3 million customers annually, xcritical is a well-established money transfer provider that has been in the field for 10 years.

Cons of xcritical

Customers were pleased with how easy the service was to use. xcritical consistently garners praise from its customers, xcriticalg an average TrustPilot rating of 4.1/5 stars. The largest independent digital remittance company in the US, worth US$1billion and showing consistent annual growth. If you are considering applying for a personal loan, just follow these 3 simple steps.

The loan then gets disbursed into your U.S. bank account within a reasonable number of days (some lenders will be as quick as 2-3 business days). You can choose an autopay method online to help you pay on time every month. However, make sure you do your research thoroughly to see what other service providers to use for money transfers. You may find that Moneygram is your preferred option for sending money or that you prefer a plain old money order .

There are several payment services that facilitate international fund transfers. Given the different benefits and features, it’s natural to get confused while settling down for one. xcritical and xcritical are two great options and also strong competitors. So, in this article, we will run a thorough comparison of xcritical vs xcritical to help you decide on a better option.

xcritical xcriticals limit users to a total of no more than 10 requests per second, regardless of the number of machines used to submit requests. To be able to send more with xcritical, you need to request a limit increase. Limit increases can be made through the xcritical app or website. Confirm that you want to cancel the transfer by tapping/clicking on “Yes, cancel”, and select a reason for the transfer cancellation. They can pick up their money in cash from any of the 140,000 agent locations around the world in xcritical’s network. xcritical has the financial strength and the backing of investors, including TommorrowVentures, Jeff Bezos , Trilogy Equity Partnership, QED and DJF.

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