XTransfer Reviews 

57
•
TrustScore 4.5 out of 5

4.4

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 40 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently discuss the platform's user-friendly interface, noting that navigating both the mobile application and the official website is remarkably simple and efficient for daily business operations. People also consistently praise the remarkably fast transfer speeds and the exceptionally helpful customer support team, which readily assists users with any remittance or account questions. Some reviewers were not happy with occasional payment processing challenges and unexpected compliance restrictions affecting their transfers. A few consumers also mentioned that international transactions can sometimes encounter unexpected verification requests or delayed transfers before final completion.

What people talk about most

Payment

Clients share positive opinions on payment, noting that the platform provides fast, secure, and hassle-free... See more

User experience

Customers had positive experiences with user experience, noting that the platform is easy to navigate, simple... See more

Service

People report positive experiences with service, highlighting that international payments and local account... See more

Application

Consumers find application to be positive, highlighting that the platform is easy to use, very fast, safe,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

XTransfer has really made a big difference for my import business. I want to sincerely appreciate Will Wu from the Shanghai head office for his support. In the past I using a computer used to feel l... See more

Rated 5 out of 5 stars

xtransfer is a good channel for connecting us with china traders, the app and also the website are easy to access. it takes just a few second to bring ur fund to your account, which is really wonderfu... See more

Rated 5 out of 5 stars

I'm thoroughly impressed with XTransfer (1) Ligthning-Fast Transfers: Payments arrive in minutes, not days unlike some other Fintechs that took days to deliver (2) Unbeatsble Rates: Transpare... See more

Rated 5 out of 5 stars

It’s very lucky to meet XT. Very convenient to accept foreign money, transfer and make payments, which help my business a lot. I have recommended to many friends and will continue to use it.


Company details

  1. Non-Bank Financial Service
  2. also in
  3. Alternative Financial Service

Written by the company

XTransfer is a one-stop financial and risk management service provider committed to making cross-border payment effortless and cost-effective for SME traders. It connects large financial institutions with SMEs worldwide through technology so that SMEs may enjoy the same level of financial services as multinational groups.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

57 reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 100% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.4

All reviews

(57)

38 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

good

I’ve had a very good experience with XTransfer so far. The account setup was straightforward, transfers are quick and convenient, and the platform is easy to navigate. The service has made my international payments much simpler. Customer support is also helpful and professional. Definitely recommended for businesses.

September 22, 2026
Unprompted review
Rated 5 out of 5 stars

Simple and user friendly platform to…

Simple and user friendly platform to operate the money flow from customers to suppliers.

Easy to open up domestic bank accounts to facilitate customer transfer with the help of XTransfer. This gives confidence to customers and lower the cost of international transfers.

High recommend for business having trades in various countries with various currencies. Easy to use platform definitely help to organize money flow with all tracking and notification functions available

September 6, 2026
Unprompted review
Rated 5 out of 5 stars

Safe, fast, and outstanding support from Andrew in HK!

I’ve been using XTransfer for my business, and it has been a fantastic experience. This payment platform is super fast, totally secure, and makes processing payments completely hassle-free.

Huge shoutout to Andrew, our account manager in Hong Kong! He is amazingly helpful and always resolves any issues I run into instantly. Having such quick, reliable support makes our experience on this platform so much easier!

Definitely highly recommend them if you are looking for a safe and reliable payment method and the unique top-tier account manager-Andrew from Hong Kong

September 3, 2026
Unprompted review
Rated 1 out of 5 stars

I have done money transaction to the…

I have done money transaction to the car seller by swift transaction from Armenia to China, to the seller Xtransfer bank account. Next day Xtransfer informed to my seller that the money has refunded to me because Armenia is included in the list of the prohibited sanctions countries of Xtransfer. But Armenia has no any reason to be included to the prohibited sanctions countries. And also they refunded my money very late, it lasted about one weak to receive my money back.

August 24, 2026
Unprompted review
XTransfer logo

Reply from XTransfer

Thank you for your feedback. We’re sorry to hear about your experience.

Please note that XTransfer operates under strict compliance requirements and works closely with partner banks. Certain transactions could be declined or returned based on the risk control policies of our banking partners and applicable regulations. Refund processing times may vary depending on intermediary banks and compliance checks, which can occasionally cause delays.

We appreciate your understanding and will continue working to improve our service. If you’d like us to review your case, please contact our support team with your transaction details.

Rated 5 out of 5 stars

X transfer is excellent for solving the…

X transfer is excellent for solving the money exchange for my business. The transfer rate is competitive. Fast transfer speed I am appreciate. Thus, I feel confidence for the transaction as the money is alway safe arrived to our supplier in mainland. Also, the sales is helpful and have good experience for helping customer. If the handling charge is much less it should be perfect. Haha.......

July 8, 2026
Unprompted review
Rated 1 out of 5 stars

Terrible company

Terrible company. Just had a business associate experience individual discrimination. Discriminatory and prejudism towards customers based on their identity, creed, religion, demographics etc. I would not do business with this company based on their practicing ethics, they're clearly happy violating the protected rights of individuals.
If you're violating that when dealing with customers I would be very concerned about how they handle their financial & legal compliance.

August 11, 2026
Unprompted review
XTransfer logo

Reply from XTransfer

We strongly deny this inaccurate claim. XTransfer has always been committed to fair, inclusive, and professional business practices, and we do not discriminate against any customer or partner based on religion or any other personal characteristic.

Could you please share the source of this information and any relevant details so we can look into this matter?

Rated 4 out of 5 stars

Highly recommend XTransfer for overseas trade payments

veryI have been using XTransfer for several months to pay my Chinese suppliers. It is far more convenient than regular bank transfers. What impresses me most is the responsive support team. Whenever I have questions about remittance or account verification, my account manager gives clear and patient guidance. Transactions go through smoothly most of the time. The whole process is transparent, and costs are reasonable. For merchants doing cross‑border trade, XTransfer is really a practical and trustworthy payment platform that I am happy to recommend to my business partners.

August 5, 2026
Unprompted review
Rated 5 out of 5 stars

XTransfer is a safe and reliable way to…

XTransfer is a safe and reliable way to convert USD to CNY and make local payments to suppliers in CNY. XTransfer offers this service with 24/7 customer service and it’s easy to use with good user experience

July 30, 2026
Unprompted review
Rated 5 out of 5 stars

Xtranfer came at very right time

Xtranfer came at very right time, been having issue of delay payment to my supplier before I found xtranfer and have no worry about limit payment to suppliers also my next visit to china I will pay the company a visit in Shanghai. And the staff (Ray) are very reliable and ready to help out in difficult situation when using the apps.

July 30, 2026
Unprompted review
Rated 5 out of 5 stars

I have been using XTransfer for my…

I have been using XTransfer for my cross-border payments to Chinese suppliers. The platform helps me efficiently settle international trade funds. My account manager Jasmine offers timely and professional support whenever I encounter payment issues. Compared with traditional wire transfer, its local account service effectively avoids delays in international routes. I would highly recommend XTransfer to other traders who need reliable global payment solutions.

July 30, 2026
Unprompted review
Rated 5 out of 5 stars

Good platform to make payment

XTransfer is a highly convenient payment platform. Using XTransfer for payments not only ensures extremely fast transaction speeds but also guarantees fund security. Most importantly, it allows unlimited transactions at any time, which has helped me overcome many difficulties when paying Chinese suppliers. Given its convenience and fast payment speed, the minimal handling fee is fully acceptable. In summary, if you need to pay Chinese suppliers, XTransfer is a viable option to consider.

July 30, 2026
Unprompted review
Rated 5 out of 5 stars

The app is easy to use

The app is easy to use, very fast and reliable. Customer service is perfect and agent response 24/7 to assist when there is a need. I recommend x transfer for every business person for exchange. Good exchange rate and handling fee is muvh better than other financial companies.

July 29, 2026
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look