FEES003 — Beneficiary Company Transfer Fees
Last updated: August 26, 2026
Xtrm provides flexible payout options for beneficiaries transferring funds out of their Xtrm wallets. Transfer fees vary based on the destination country, currency, speed requirement, and chosen payout method:
Bank Account / Financial Institution (EFT, Wire, Instant Debit)
Virtual or Plastic Visa / Mastercard Debit Cards
Physical Bank Check
Gift Cards
Standard Bank Transfer | Rapid Bank Transfer | Bank Check | Virtual and Plastic Visa or Gift Card | |
Method options | Free (EFT) Wire Instant | Instant bank transfer using a linked debit card | Check mailed to USA address | Instant transfer to a Visa virtual debit card or a gift card |
Geographical coverage | Global | USA | USA | Global |
Fee | EFT: Free
Instant Global: 1.5% + $0.25 capped at $15.00 USD | 1.5% + $0.25 capped at $15.00 USD | $5.00 USD | Free |
* A fee of $20.00 USD applies when funds are transferred to a domestic (U.S.) USD currency bank account by Wire transfer.
† A fee of $20.00 USD applies for cross border (international) non-local currency Wire transfers.
Transfer Speed Options
Free (Standard): 3 to 5 business days (via local payment networks like EFT, ACH, or SEPA).
Wire: 1 to 2 business days.
Instant: Processing within minutes via linked debit card or digital rewards.
Note: Availability of transfer options depends on your country and account currency. If Free or Instant methods are not supported in a specific region, Wire Transfer will be the default option. Processing times are estimates and may occasionally be delayed due to international banking regulations beyond Xtrm’s control.
Supported Free and Instant Transfer - Countries and Currencies
A complete list of supported countries and currencies eligible for free transfer methods (for example EFT, ACH, and SEPA) and instant transfers is available in the Bank transfer fees by local currency reference guide. Wire is available to all countries.