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
Standard Bank Transfer | Rapid Bank Transfer | Bank Check | Virtual and Plastic Visa | |
| After payment, the user or company can choose to transfer using any of these options. |  |  |  |  |
| 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 Wire: USD $6 (Individuals), USD $10 (Companies) ** Instant Transfers are 1.25% +$0.25 capped at $15.00 USD | 1.25% + $0.25 (capped at $15 USD) | $5.00 USD | Zero |
| Help on how to transfer | Help | Help | Help | Help |
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 - Bank transfer fees by local currency.
Recipient Choice: Beneficiary companies or individuals receiving funds can choose their preferred payout rail on demand via their Xtrm dashboard.
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