Regency FX vs XE: Fees, Rates & Speed Compared
Regency FX
4.6Regency FX is a UK-based foreign exchange specialist offering bank-beating exchange rates with a dedicated account-management approach. FCA-authorised payment institution suited for larger personal and business transfers.
XE
4.3XE is a trusted name in currency exchange, offering international money transfers with competitive rates and no transfer fees for most corridors.
Regency FX and XE are both popular choices for international money transfers, but they take different approaches. Regency FX, founded in 2013 and headquartered in London, UK, is best known for large transfers and business payments. XE, operating since 1993 from Newmarket, Canada, focuses on large transfers and business payments. This comparison uses real transfer data collected from both providers across 6 popular corridors to show you exactly which one offers better value for your specific needs. Our data shows the difference can be significant — on a $1,000 USD → INR transfer, Regency FX delivers ₹956.82 more to the recipient.
In this comparison
Live comparison: Regency FX vs XE across popular corridors
The table below shows how much the recipient receives when sending through Regency FX vs XE on 6 popular corridors. Data is refreshed every 6 hours from provider APIs and websites.
| Corridor | Regency FX | XE | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹95,682.42 | ₹94,725.60 | Regency FX (+₹956.82) |
| GBP → EUR(£1,000) | €1,154.55 | €1,146.00 | Regency FX (+€8.55) |
| USD → PHP($500) | ₱30,735.51 | — | N/A |
| USD → MXN($1,000) | MX$17,173.04 | MX$16,899.99 | Regency FX (+MX$273.05) |
| GBP → PKR(£500) | ₨188,379.38 | — | N/A |
| USD → NGN($200) | — | — | N/A |
Amounts shown are what the recipient receives. Based on current scraped data, updated every 6 hours.
Key differences between Regency FX and XE
Regency FX vs XE: Feature comparison
| Feature | Regency FX | XE |
|---|---|---|
| Overall rating | 4.6/5 (Excellent) | 4.3/5 (Excellent) |
| Fee structure | No transfer fees | No transfer fees |
| Exchange rate markup | 0.3% - 0.9% above mid-market | 0.5% - 1.5% above mid-market |
| Transfer speed | Same day to 2 business days | 1-4 business days |
| Supported countries | 60+ | 130+ |
| Supported currencies | 50+ | 130+ |
| Max transfer | No limit | $500,000 |
| Payment methods | Bank Transfer | Bank Transfer, Debit Card, Credit Card |
| Delivery methods | Bank Deposit | Bank Deposit |
| Regulators | FCA | FCA, FinCEN, ASIC, FINTRAC |
| Founded | 2013 | 1993 |
Pros and cons
Regency FX
Pros
- Dedicated account managers for every client
- No transfer fees
- Bank-beating rates on larger transfers
- Forward contracts and limit orders available
- FCA-authorised payment institution (FRN 671508)
Cons
- Higher minimum suited to larger transfers
- No card or mobile-wallet funding
- Account onboarding required before first transfer
XE
Pros
- Well-known and trusted brand
- No transfer fees for most transfers
- Supports 130+ currencies
- Rate alerts available
- Excellent currency data and tools
Cons
- Exchange rates include a markup
- No cash pickup option
- Transfer speed can be slow
When to choose Regency FX vs XE
Choose Regency FX if:
- You want the real mid-market exchange rate with no hidden markup
- You need to transfer large sums (Regency FX has no upper limit)
- You value user experience — Regency FX is rated 4.6/5 on Trustpilot
- Regency FX's strengths (Bank Deposit) match your needs
Choose XE if:
- You want the real mid-market exchange rate with no hidden markup
- You need wider country coverage (130+ vs 60+ countries)
- XE's strengths (Bank Deposit) match your needs
Verdict: Regency FX or XE?
Cost winner: Regency FX
Regency FX wins on cost in 3 of 6 corridors we tested. For example, on USD → INR ($1,000), the recipient gets ₹956.82 more with Regency FX. Regency FX achieves this through transparent pricing with the real mid-market exchange rate.
Speed: Similar delivery times
Both providers offer similar transfer speeds. Regency FX typically delivers in Same day to 2 business days, while XE takes 1-4 business days. The actual speed depends on the corridor and delivery method.
Wider coverage: XE
XE has broader coverage with 130+ countries and 130+ currencies. XE also offers Bank Deposit.
Bottom line
Overall, Regency FX edges ahead for most users thanks to transparent pricing with the real mid-market exchange rate. That said, XE is the better pick if you need large transfers and business payments.
Frequently asked questions
Is Regency FX or XE cheaper for international transfers?
Based on our data, Regency FX is generally cheaper across most corridors. Regency FX charges No transfer fees with a 0.3% - 0.9% above mid-market exchange rate markup, while XE charges No transfer fees with a 0.5% - 1.5% above mid-market markup. For example, on a $1,000 USD → INR transfer, Regency FX delivers ₹956.82 more. However, costs vary by corridor, so always compare for your specific route.
Which is faster, Regency FX or XE?
Regency FX typically completes transfers in Same day to 2 business days, while XE takes 1-4 business days. Actual speed depends on the corridor, payment method, and delivery option you choose. Bank transfers tend to be slower than card-funded transfers, and bank deposits are generally faster than cash pickups.
Are Regency FX and XE safe to use?
Yes, both are regulated money transfer services. Regency FX is regulated by FCA and has a 4.6/5 Trustpilot rating. XE is regulated by FCA, FinCEN, ASIC, FINTRAC with a 4.3/5 Trustpilot rating. Both companies are required to safeguard customer funds under their respective regulatory frameworks.
What are the transfer limits for Regency FX vs XE?
Regency FX has a maximum transfer of no published upper limit (minimum $1000), while XE allows up to $500,000 (minimum $1). Limits may vary by corridor, account verification level, and payment method. New accounts typically start with lower limits that increase over time.
Should I use Regency FX or XE to send money internationally?
For most users, Regency FX offers better overall value thanks to transparent pricing with the real mid-market exchange rate. However, XE is the better choice if you need large transfers and business payments. The best provider for you depends on your corridor, transfer size, and whether you need features like Bank Deposit.