TRANSFER001 — Company Wallet Transfer Options

Last updated: October 8, 2026

Companies holding balances in their Xtrm digital wallets can easily transfer or cash out funds to various financial institutions, cards, or stored-value mechanisms. Method availability and fees vary depending on the destination region and currency.

Transfer Options

After payment, the user or company can choose to transfer using any of these options

Note: Cryptocurrency wallet transfers are not supported. Xtrm does not offer crypto wallets as a payout option.

Check Transfer

Physical paper check mailed to the user's address
Availability: USA only
Delivery time: Up to 10 business days
Limits: Transfer limits can be increased by contacting XTRM support

	Standard Bank Transfer	Rapid Bank Transfer	Bank Check	Virtual and Physical Visa Card
How it works	Electronic funds transfer (EFT) to your bank account, including ACH, SEPA and wire	Instant transfer to your bank using a linked debit card	Physical check mailed to the recipient	Instant issuance of a prepaid virtual or physical Visa card
Coverage	Global	USA only	USA only	Global
Setup or card fees	None	None	None	None
Transfer fee	ACH, SEPA, EFT: Free Wire: $6.00 USD (individuals), $10.00 USD (companies)	1.25% + $0.25 USD, capped at $15.00 USD	$5.00 USD	Free

Key Transfer Mechanics & Rules

Smart Cost Optimization: Xtrm automatically selects the most cost-effective bank rail available based on your bank's location and currency:
- If local rails (EFT, ACH, SEPA) are supported, the transfer is executed for free.
- If local rails are unavailable, the system defaults to a Wire Transfer with fixed, capped fees ($6 for individuals / $10 for companies).
Currency FX Considerations: Non-local currency bank linking (e.g., transferring USD to a non-USD bank account) may incur foreign exchange or intermediary bank routing fees.
Recipient Choice: Beneficiary companies or individuals receiving funds can choose their preferred payout rail on demand via their Xtrm dashboard.