TRANSFER001 — Company Wallet Transfer Options
Last updated: September 22, 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
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 Plastic Visa | |
Method Options | Electronic Fund Transfer (EFT) methods including ACH, Wire, SEPA | Instant transfer to bank using a linked debit card | Physical check mailed to the recipient | Instant issuance of prepaid virtual or physical Visa cards |
Setup Fees or Card Fees | None | None | None | None |
Geographical Coverage | Global | USA | USA | Global |
Fee | ACH, SEPA, EFT: Free | 1.25% + $0.25 (capped at $15 USD) | $5.00 USD | Zero |
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.