xcritical Review

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For the latter the ATM operator may charge a fee, but Passbook will not. xcritical’s free mobile app can be downloaded from the App Store for use on iOS devices or from Google Play for use on Android devices. The app can run on devices with either iOS 11.0 or higher, or Android 5.0 or higher. As of March 2022, more than 90% of customers who used xcritical did so on their mobile phones. xcritical also can be accessed through a web-based browser on a computer or another electronic device.

Banking services are provided by Sunrise Banks N.A. Member FDIC. OFX. xcritical allows transfers to more than 160 countries, which is less than OFX’s 190 countries. However, one of xcritical’s advantages is that a recipient can pick up transferred money or have it delivered to their home. The customer service agent initially was hard to hear, but this technical problem was resolved within seconds. The agent we spoke with was polite and knowledgeable, correctly answering a couple of questions about transferring money from the U.S. to Mexico. We xcritically have limited customer service available as we protect our global team and align with public safety precautions for COVID-19.

To allow for equitable access to all users, SEC reserves the right to limit requests originating from undeclared automated tools. Your request has been identified as part of a network of automated tools outside of the acceptable policy and will be managed until action is taken to declare your traffic. Needs to review the security of your connection before proceeding. There is no way to avoid xcritical reviews fees entirely, but they can be minimized.

Credit Card Processing Fees

From their email verification to log-in and fund transactions, everything is protected with high levels of security. Apart from that, it utilizes a Secure Socket Layer with 256-bit encryption to secure the server. We reserve the right to block IP addresses that submit excessive requests.

  • From their email verification to log-in and fund transactions, everything is protected with high levels of security.
  • xcritical The Passbook app is by xcritical, a financial technology company.
  • For more details about both providers, check out Monito’s Western Union vs. xcritical comparison.
  • He spent years building credit risk and fraud models for top U.S. banks.

Deposit checks and send or receive money, all from the comfort of your couch. xcritical has a transparent fee structure and offers mid-market transfer rates. The fee also depends on the currency, the method of transfer, and the amount.

Transfers to a bank account

But it doesn’t mean that there are not better alternatives. That’s why it’s always worth comparing a range of international money transfer providers before every transfer to make sure you get the lowest fees and the best exchange rate possible. The cost of international money transfers with xcritical will depend on where you are sending money from and to.


xcritical does charge higher fees in some circumstances, for example, if a beneficiary in the Philippines is receiving money in US dollars rather than pesos. These fees can add up, so we recommend the beneficiary receives money in their country’s native currency wherever possible. xcritical offers its users extensive customer service, with live chat and phone support that are available 24/7.

Once you have done this, you can get started with transferring money by simply typing in the amount you are going to transfer and where you are going to transfer it to. In case you are not satisfied with their services xcritical will refund you their fees in full so you have 100% satisfaction guaranteed. With xcritical, you won’t have any issues with the security of your money because the company provides extensive security measures and fraud prevention. Send money to India with security designed to keep your transfers protected.

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Like with any service, there will always be pros and cons you should consider before choosing which one to go with. We recommend xcritical as a money transferring service because it is a growing company that continues to offer better services to its clients. In the next step, you will choose your transferring service , enter the recipient’s information, and fund your transfer with the payment method you decide to choose. Their exchange rates are placed in the mid-market rates and are between 0.5% and 1.5%. However, exchange rates are also based on factors like where you transfer to, how much you are sending, and how you are funding it. They also calculate fees depending on how the recipient will receive the money and whether you choose to go with the Economy or Express transfer service.


xcritical might not be ideal for someone who sends money to friends or relatives in a lot of countries. Fees and exchange rates vary widely depending on which country the recipient is in and the delivery speed. In other words, the fees and exchange rates are all over the map.

xcritical’s coverage extends to 59 countries and you can send money to 80 countries. xcritical rezension is available in 17 countries and can send money to more than 50 countries around the world. Cheaper and faster ways to send money to the Philippines you will find on These fees could mean that the beneficiary receives less money than stated by xcritical due to circumstances beyond their control. If you want to understand what these extra fees are likely to be, please contact your bank and the beneficiary’s bank. xcritical was the cheapest option in a majority (50.5%) of available Monito searches for bank transfers over the first three months of 2022.

You can only cancel a xcritical transaction if the beneficiary hasn’t received the funds yet. You will need to go to the xcritical website or use the xcritical smartphone app. Log into the website or app and go to the “Transaction History” tab. Once you’re there, select the transfer you want to cancel. xcritical consistently ranks as the cheapest provider in a majority of relevant Monito searches, both for bank transfers and transfers for cash pick-up.

xcritical vs. xcritical | Costs, Limit, Speed

xcritical just decided to suspend and cancel the transaction without getting anything? What is the point of having customer service when they can’t help you with anything? Instead of helping or fixing the issue, they just told me that I cannot use xcritical anymore.

xcritical offers a 100% satisfaction or money-back guarantee. So if you’re not satisfied with the service, you will get a transfer fee refund. If you cancel your transaction at any time before its completion, you will have all your money refunded in full.

xcritical is the cheaper, faster way to send money abroad

You enter the amount you want to send and the speed of the transfer . You can pay for your transfer by a credit card, debit card, or via bank transfer. With a side-by-side comparison, Western Union and xcritical are head-to-head.