Xe vs TorFX

Russell Gous
Russell Gous
May 5, 2025

In this guide, we’ll explore and compare two key players in the global currency exchange industry, Xe and TorFX. We’ll stack up their services against one another, using some key money transfer metrics like speed, safety and cost. By the end, you’ll find out how they’re similar, and how they differ. Enabling you to discern when they suit your needs and when they do not.

Xe vs TorFX: Pros and Cons

  • Supports 190-plus countries, 130+ currencies
  • Regulated, long-established & trusted provider
  • Transparent pricing – full cost shown upfront
  • Good for large transfers, expert support offered
  • Limited funding / payout options for cash
  • Slower transfers (1-4 business days) sometimes
  • Refunds & cancellations often delayed
Go to XE
  • No transfer fees for standard transfers
  • Strong personal service – dedicated manager
  • Regulated and trustworthy, good reputation
  • Exchange rate margins vary with size
  • No instant cash pickup / cash delivery
  • Some complaints: slower in uncommon corridors
Go to TorFX

Xe vs TorFX: Where are they available?

XE

Faroe Islands 6 Faeroe Is. Northern Europe Europe & Central Asia FRO FO 23424816 Europe 0.48 0.54 fo FO United States Minor Outlying Islands 5 U.S. MOI Seven seas (open ocean) East Asia & Pacific UMI UM 28289407 North America 0.57 0.58 um UM United States of America 2 U.S.A. Northern America North America USA US 23424977 North America 0.68 0.68 us US Japan 2 Japan Eastern Asia East Asia & Pacific JPN JP 23424856 Asia 0.52 0.66 jp JP Seychelles 6 Syc. Eastern Africa Sub-Saharan Africa SYC SC 23424941 Seven seas (open ocean) 0.58 0.41 sc SC India 2 India Southern Asia South Asia IND IN 23424848 Asia 0.34 0.43 in IN France 2 Fr. Western Europe Europe & Central Asia FRA FR -90 Europe 0.28 0.04 fr FR Federated States of Micronesia 6 F.S.M. Micronesia East Asia & Pacific FSM FM 23424815 Oceania 0.50 0.52 fm FM China 2 China Eastern Asia East Asia & Pacific CHN CN 23424781 Asia 0.41 0.56 cn CN Portugal 2 Port. Southern Europe Europe & Central Asia PRT PT 23424925 Europe 0.46 0.50 pt PT Serranilla Bank 5 S.B. Caribbean Latin America & Caribbean -99 SW -99 North America 0.86 0.57 sw SW Scarborough Reef 6 S.R. South-Eastern Asia East Asia & Pacific -99 SH -99 Asia 0.54 0.51 sh SH Brazil 2 Brazil South America Latin America & Caribbean BRA BR 23424768 South America 0.54 0.34 br BR Kiribati 6 Kir. Micronesia East Asia & Pacific KIR KI 23424867 Oceania 0.28 0.65 ki KI Philippines 2 Phil. South-Eastern Asia East Asia & Pacific PHL PH 23424934 Asia 0.40 0.19 ph PH Mexico 2 Mex. Central America Latin America & Caribbean MEX MX 23424900 North America 0.51 0.49 mx MX Spain 2 Sp. Southern Europe Europe & Central Asia ESP ES 23424950 Europe 0.76 0.27 es ES Bajo Nuevo Bank (Petrel Is.) 8 NULL Caribbean Latin America & Caribbean -99 BU -99 North America 0.49 0.73 bu BU Maldives 5 Mald. Southern Asia South Asia MDV MV 23424899 Seven seas (open ocean) 0.57 0.53 mv MV Spratly Islands 6 Spratly Is. South-Eastern Asia East Asia & Pacific SPI SP 23424921 Asia 0.50 0.50 sp SP United Kingdom 2 U.K. Northern Europe Europe & Central Asia GBR GB -90 Europe 0.69 0.09 gb GB Greece 3 Greece Southern Europe Europe & Central Asia GRC GR 23424833 Europe 0.30 0.43 gr GR American Samoa 4 Am. Samoa Polynesia East Asia & Pacific ASM AS 23424746 Oceania 0.56 0.57 as AS Denmark 4 Den. Northern Europe Europe & Central Asia DNK DK 23424796 Europe 0.35 0.49 dk DK Greenland 3 Grlnd. Northern America Europe & Central Asia GRL GL 23424828 North America 0.55 0.43 gl GL Guam 6 Guam Micronesia East Asia & Pacific GUM GU 23424832 Oceania 0.45 0.44 gu GU Northern Mariana Islands 6 N.M.I. Micronesia East Asia & Pacific MNP MP 23424788 Oceania 0.45 0.49 mp MP Puerto Rico 5 P.R. Caribbean Latin America & Caribbean PRI PR 23424935 North America 0.48 0.65 pr PR United States Virgin Islands 6 V.I. (U.S.) Caribbean Latin America & Caribbean VIR VI 23424985 North America 0.48 0.19 vi VI Canada 2 Can. Northern America North America CAN CA 23424775 North America 0.29 0.64 ca CA Sao Tome and Principe 6 S.T.P. Middle Africa Sub-Saharan Africa STP ST 23424966 Africa 0.55 0.50 st ST Cape Verde 4 C.Vd. Western Africa Sub-Saharan Africa CPV CV 23424794 Africa 0.56 0.50 cv CV Dominica 6 D’inca Caribbean Latin America & Caribbean DMA DM 23424798 North America 0.54 0.47 dm DM Netherlands 5 Neth. Western Europe Europe & Central Asia NLD NL -90 Europe 0.99 0.01 nl NL Jamaica 4 Jam. Caribbean Latin America & Caribbean JAM JM 23424858 North America 0.50 0.52 jm JM Samoa 4 Samoa Polynesia East Asia & Pacific WSM WS 23424992 Oceania 0.50 0.54 ws WS Oman 4 Oman Western Asia Middle East & North Africa OMN OM 23424898 Asia 0.88 0.44 om OM Saint Vincent and the Grenadines 6 St.V.G. Caribbean Latin America & Caribbean VCT VC 23424981 North America 0.50 0.50 vc VC Turkey 2 Tur. Western Asia Europe & Central Asia TUR TR 23424969 Asia 0.34 0.49 tr TR Bangladesh 3 Bang. Southern Asia South Asia BGD BD 23424759 Asia 0.85 0.61 bd BD Saint Lucia 6 S.L. Caribbean Latin America & Caribbean LCA LC 23424951 North America 0.52 0.47 lc LC Nauru 6 Nauru Micronesia East Asia & Pacific NRU NR 23424912 Oceania 0.53 0.50 nr NR Norway 3 Nor. Northern Europe Europe & Central Asia NOR NO -90 Europe 0.10 0.93 no NO Saint Kitts and Nevis 6 St.K.N. Caribbean Latin America & Caribbean KNA KN 23424940 North America 0.57 0.49 kn KN Bahrain 4 Bahr. Western Asia Middle East & North Africa BHR BH 23424753 Asia 0.45 0.50 bh BH Tonga 4 Tongo Polynesia East Asia & Pacific TON TO 23424964 Oceania 0.54 0.34 to TO Finland 3 Fin. Northern Europe Europe & Central Asia FIN FI 23424812 Europe 0.63 0.54 fi FI Indonesia 2 Indo. South-Eastern Asia East Asia & Pacific IDN ID 23424846 Asia 0.38 0.41 id ID Mauritius 5 Mus. Eastern Africa Sub-Saharan Africa MUS MU 23424894 Seven seas (open ocean) 0.63 0.58 mu MU Sweden 3 Swe. Northern Europe Europe & Central Asia SWE SE 23424954 Europe 0.40 0.48 se SE Trinidad and Tobago 5 Tr.T. Caribbean Latin America & Caribbean TTO TT 23424958 North America 0.46 0.44 tt TT Malaysia 3 Malay. South-Eastern Asia East Asia & Pacific MYS MY 23424901 Asia 0.90 0.26 my MY Panama 4 Pan. Central America Latin America & Caribbean PAN PA 23424924 North America 0.22 0.50 pa PA Palau 6 Palau Micronesia East Asia & Pacific PLW PW 23424927 Oceania 0.38 0.44 pw PW Tuvalu 6 Tuv. Polynesia East Asia & Pacific TUV TV 23424970 Oceania 0.25 0.50 tv TV Marshall Islands 6 M. Is. Micronesia East Asia & Pacific MHL MH 23424932 Oceania 0.49 0.60 mh MH Chile 2 Chile South America Latin America & Caribbean CHL CL 23424782 South America 0.51 0.90 cl CL Thailand 3 Thai. South-Eastern Asia East Asia & Pacific THA TH 23424960 Asia 0.25 0.49 th TH Grenada 6 Gren. Caribbean Latin America & Caribbean GRD GD 23424826 North America 0.50 0.50 gd GD Estonia 6 Est. Northern Europe Europe & Central Asia EST EE 23424805 Europe 0.35 0.41 ee EE Antigua and Barbuda 6 Ant.B. Caribbean Latin America & Caribbean ATG AG 23424737 North America 0.50 0.48 ag AG Taiwan 3 Taiwan Eastern Asia East Asia & Pacific TWN TW 23424971 Asia 0.49 0.41 tw TW Barbados 5 Barb. Caribbean Latin America & Caribbean BRB BB 23424754 North America 0.31 0.56 bb BB Italy 2 Italy Southern Europe Europe & Central Asia ITA IT 23424853 Europe 0.79 0.71 it IT Malta 5 Malta Southern Europe Middle East & North Africa MLT MT 23424897 Europe 0.49 0.53 mt MT Vanuatu 4 Van. Melanesia East Asia & Pacific VUT VU 23424907 Oceania 0.60 0.53 vu VU Singapore 6 Sing. South-Eastern Asia East Asia & Pacific SGP SG 23424948 Asia 0.50 0.57 sg SG Cyprus 5 Cyp. Western Asia Europe & Central Asia CYP CY -90 Asia 0.39 0.51 cy CY Sri Lanka 3 Sri L. Southern Asia South Asia LKA LK 23424778 Asia 0.62 0.91 lk LK Comoros 6 Com. Eastern Africa Sub-Saharan Africa COM KM 23424786 Africa 0.41 0.51 km KM Fiji 6 Fiji Melanesia East Asia & Pacific FJI FJ 23424813 Oceania 0.44 0.33 fj FJ Russia 2 Rus. Eastern Europe Europe & Central Asia RUS RU 23424936 Europe 0.57 0.56 ru RU Vatican 6 Vat. Southern Europe Europe & Central Asia VAT VA 23424986 Europe 0.61 0.44 va VA San Marino 6 S.M. Southern Europe Europe & Central Asia SMR SM 23424947 Europe 0.48 0.42 sm SM Kazakhstan 3 Kaz. Central Asia Europe & Central Asia KAZ KZ -90 Asia 0.57 0.46 kz KZ Azerbaijan 5 Aze. Western Asia Europe & Central Asia AZE AZ 23424741 Asia 0.83 0.51 az AZ Tajikistan 4 Tjk. Central Asia Europe & Central Asia TJK TJ 23424961 Asia 0.28 0.56 tj TJ Lesotho 6 Les. Southern Africa Sub-Saharan Africa LSO LS 23424880 Africa 0.52 0.45 ls LS Uzbekistan 3 Uzb. Central Asia Europe & Central Asia UZB UZ 23424980 Asia 0.46 0.53 uz UZ Morocco 3 Mor. Northern Africa Middle East & North Africa MAR MA 23424893 Africa 0.60 0.21 ma MA Colombia 2 Col. South America Latin America & Caribbean COL CO 23424787 South America 0.50 0.54 co CO East Timor 5 T.L. South-Eastern Asia East Asia & Pacific TLS TL 23424968 Asia 0.65 0.36 tl TL United Republic of Tanzania 3 Tanz. Eastern Africa Sub-Saharan Africa TZA TZ 23424973 Africa 0.50 0.50 tz TZ Argentina 2 Arg. South America Latin America & Caribbean ARG AR 23424747 South America 0.46 0.27 ar AR Saudi Arabia 2 Saud. Western Asia Middle East & North Africa SAU SA 23424938 Asia 0.45 0.53 sa SA Pakistan 2 Pak. Southern Asia South Asia PAK PK 23424922 Asia 0.34 0.64 pk PK Yemen 3 Yem. Western Asia Middle East & North Africa YEM YE 23425002 Asia 0.39 0.75 ye YE United Arab Emirates 4 U.A.E. Western Asia Middle East & North Africa ARE AE 23424738 Asia 0.59 0.65 ae AE Kenya 2 Ken. Eastern Africa Sub-Saharan Africa KEN KE 23424863 Africa 0.87 0.70 ke KE Peru 2 Peru South America Latin America & Caribbean PER PE 23424919 South America 0.69 0.71 pe PE Dominican Republic 5 Dom. Rep. Caribbean Latin America & Caribbean DOM DO 23424800 North America 0.46 0.38 do DO Haiti 5 Haiti Caribbean Latin America & Caribbean HTI HT 23424839 North America 0.82 0.96 ht HT Papua New Guinea 2 P.N.G. Melanesia East Asia & Pacific PNG PG 23424926 Oceania 0.14 0.50 pg PG Angola 3 Ang. Middle Africa Sub-Saharan Africa AGO AO 23424745 Africa 0.50 0.67 ao AO Cambodia 3 Camb. South-Eastern Asia East Asia & Pacific KHM KH 23424776 Asia 0.84 0.49 kh KH Vietnam 2 Viet. South-Eastern Asia East Asia & Pacific VNM VN 23424984 Asia 0.59 0.89 vn VN Mozambique 3 Moz. Eastern Africa Sub-Saharan Africa MOZ MZ 23424902 Africa 0.83 0.28 mz MZ Costa Rica 5 C.R. Central America Latin America & Caribbean CRI CR 23424791 North America 0.55 0.31 cr CR Benin 5 Benin Western Africa Sub-Saharan Africa BEN BJ 23424764 Africa 0.57 0.49 bj BJ Nigeria 2 Nigeria Western Africa Sub-Saharan Africa NGA NG 23424908 Africa 0.36 0.33 ng NG Iran 2 Iran Southern Asia Middle East & North Africa IRN IR 23424851 Asia 0.58 0.51 ir IR El Salvador 6 El. S. Central America Latin America & Caribbean SLV SV 23424807 North America 0.50 0.55 sv SV Sierra Leone 4 S.L. Western Africa Sub-Saharan Africa SLE SL 23424946 Africa 0.48 0.48 sl SL Guinea Bissau 6 GnB. Western Africa Sub-Saharan Africa GNB GW 23424929 Africa 0.55 0.49 gw GW Croatia 6 Cro. Southern Europe Europe & Central Asia HRV HR 23424843 Europe 0.35 0.59 hr HR Belize 6 Belize Central America Latin America & Caribbean BLZ BZ 23424760 North America 0.53 0.50 bz BZ South Africa 2 S.Af. Southern Africa Sub-Saharan Africa ZAF ZA 23424942 Africa 0.36 0.70 za ZA Central African Republic 4 C.A.R. Middle Africa Sub-Saharan Africa CAF CF 23424792 Africa 0.47 0.46 cf CF Sudan 3 Sudan Northern Africa Sub-Saharan Africa SDN SD -90 Africa 0.50 0.38 sd SD Democratic Republic of the Congo 2 D.R.C. Middle Africa Sub-Saharan Africa COD CD 23424780 Africa 0.58 0.42 cd CD Kuwait 6 Kwt. Western Asia Middle East & North Africa KWT KW 23424870 Asia 0.61 0.40 kw KW Germany 2 Ger. Western Europe Europe & Central Asia DEU DE 23424829 Europe 0.52 0.34 de DE Belgium 2 Belg. Western Europe Europe & Central Asia BEL BE 23424757 Europe 0.54 0.40 be BE Ireland 3 Ire. Northern Europe Europe & Central Asia IRL IE 23424803 Europe 0.45 0.48 ie IE North Korea 3 N.K. Eastern Asia East Asia & Pacific PRK KP 23424865 Asia 0.32 0.63 kp KP South Korea 2 S.K. Eastern Asia East Asia & Pacific KOR KR 23424868 Asia 0.54 0.50 kr KR Guyana 4 Guy. South America Latin America & Caribbean GUY GY 23424836 South America 0.26 0.07 gy GY Honduras 5 Hond. Central America Latin America & Caribbean HND HN 23424841 North America 0.71 0.09 hn HN Myanmar 3 Myan. South-Eastern Asia East Asia & Pacific MMR MM 23424763 Asia 0.17 0.49 mm MM Gabon 4 Gabon Middle Africa Sub-Saharan Africa GAB GA 23424822 Africa 0.36 0.65 ga GA Equatorial Guinea 4 Eq. G. Middle Africa Sub-Saharan Africa GNQ GQ 23424804 Africa 0.53 0.55 gq GQ Nicaragua 5 Nic. Central America Latin America & Caribbean NIC NI 23424915 North America 0.84 0.50 ni NI Latvia 5 Lat. Northern Europe Europe & Central Asia LVA LV 23424874 Europe 0.05 0.36 lv LV Uganda 3 Uga. Eastern Africa Sub-Saharan Africa UGA UG 23424974 Africa 0.16 0.56 ug UG Malawi 6 Mal. Eastern Africa Sub-Saharan Africa MWI MW 23424889 Africa 0.16 0.29 mw MW Armenia 6 Arm. Western Asia Europe & Central Asia ARM AM 23424743 Asia 0.10 0.12 am AM Somaliland 5 Solnd. Eastern Africa Sub-Saharan Africa -99 SX -99 Africa 0.76 0.53 sx SX Turkmenistan 4 Turkm. Central Asia Europe & Central Asia TKM TM 23424972 Asia 0.40 0.42 tm TM Zambia 3 Zambia Eastern Africa Sub-Saharan Africa ZMB ZM 23425003 Africa 0.36 0.58 zm ZM Northern Cyprus 6 N. Cy. Western Asia Europe & Central Asia -99 NC -90 Asia 0.56 0.71 nc NC Mauritania 3 Mrt. Western Africa Sub-Saharan Africa MRT MR 23424896 Africa 0.61 0.63 mr MR Algeria 3 Alg. Northern Africa Middle East & North Africa DZA DZ 23424740 Africa 0.63 0.50 dz DZ Lithuania 5 Lith. Northern Europe Europe & Central Asia LTU LT 23424875 Europe 0.27 0.06 lt LT Ethiopia 2 Eth. Eastern Africa Sub-Saharan Africa ETH ET 23424808 Africa 0.45 0.58 et ET Eritrea 4 Erit. Eastern Africa Sub-Saharan Africa ERI ER 23424806 Africa 0.29 0.05 er ER Ghana 3 Ghana Western Africa Sub-Saharan Africa GHA GH 23424824 Africa 0.13 0.77 gh GH Slovenia 6 Slo. Southern Europe Europe & Central Asia SVN SI 23424945 Europe 0.52 0.57 si SI Guatemala 3 Guat. Central America Latin America & Caribbean GTM GT 23424834 North America 0.44 0.87 gt GT Bosnia and Herzegovina 5 B.H. Southern Europe Europe & Central Asia BIH BA 23424761 Europe 0.45 0.48 ba BA Jordan 4 Jord. Western Asia Middle East & North Africa JOR JO 23424860 Asia 0.45 0.85 jo JO Syria 3 Syria Western Asia Middle East & North Africa SYR SY 23424956 Asia 0.25 0.54 sy SY Monaco 6 Mco. Western Europe Europe & Central Asia MCO MC 23424892 Europe 0.50 0.67 mc MC Albania 6 Alb. Southern Europe Europe & Central Asia ALB AL 23424742 Europe 0.39 0.49 al AL Uruguay 4 Ury. South America Latin America & Caribbean URY UY 23424979 South America 0.81 0.63 uy UY Cyprus No Mans Area 9 NULL Western Asia Europe & Central Asia -99 NULL -99 Asia 0.39 0.11 cnm CN Mongolia 3 Mong. Eastern Asia East Asia & Pacific MNG MN 23424887 Asia 0.49 0.53 mn MN Rwanda 3 Rwa. Eastern Africa Sub-Saharan Africa RWA RW 23424937 Africa 0.48 0.56 rw RW Somalia 6 Som. Eastern Africa Sub-Saharan Africa SOM SO -90 Africa 0.39 0.74 so SO Bolivia 3 Bolivia South America Latin America & Caribbean BOL BO 23424762 South America 0.48 0.59 bo BO Cameroon 3 Cam. Middle Africa Sub-Saharan Africa CMR CM 23424785 Africa 0.50 0.81 cm CM Republic of Congo 4 Rep. Congo Middle Africa Sub-Saharan Africa COG CG 23424779 Africa 0.15 0.78 cg CG Western Sahara 7 W. Sah. Northern Africa Middle East & North Africa ESH EH 23424990 Africa 0.41 0.71 eh EH Republic of Serbia 5 Serb. Southern Europe Europe & Central Asia SRB RS -90 Europe 0.42 0.52 rs RS Montenegro 6 Mont. Southern Europe Europe & Central Asia MNE ME 20069817 Europe 0.42 0.47 me ME Togo 6 Togo Western Africa Sub-Saharan Africa TGO TG 23424965 Africa 0.76 0.81 tg TG Laos 4 Laos South-Eastern Asia East Asia & Pacific LAO LA 23424872 Asia 0.88 0.79 la LA Afghanistan 3 Afg. Southern Asia South Asia AFG AF 23424739 Asia 0.37 0.52 af AF Ukraine 3 Ukr. Eastern Europe Europe & Central Asia UKR UA 23424976 Europe 0.70 0.46 ua UA Slovakia 6 Svk. Eastern Europe Europe & Central Asia SVK SK 23424877 Europe 0.21 0.52 sk SK Siachen Glacier 5 Siachen Southern Asia South Asia -99 JK 23424928 Asia 0.40 0.63 jk JK Bulgaria 4 Bulg. Eastern Europe Europe & Central Asia BGR BG 23424771 Europe 0.76 0.51 bg BG Qatar 5 Qatar Western Asia Middle East & North Africa QAT QA 23424930 Asia 0.36 0.46 qa QA Liechtenstein 6 Liech. Western Europe Europe & Central Asia LIE LI 23424879 Europe 0.61 0.53 li LI Austria 4 Aust. Western Europe Europe & Central Asia AUT AT 23424750 Europe 0.52 0.62 at AT Eswatini 4 Swz. Southern Africa Sub-Saharan Africa SWZ SZ 23424993 Africa 0.51 0.45 sz SZ Hungary 5 Hun. Eastern Europe Europe & Central Asia HUN HU 23424844 Europe 0.27 0.61 hu HU Romania 3 Rom. Eastern Europe Europe & Central Asia ROU RO 23424933 Europe 0.67 0.50 ro RO Niger 3 Niger Western Africa Sub-Saharan Africa NER NE 23424906 Africa 0.64 0.53 ne NE Luxembourg 6 Lux. Western Europe Europe & Central Asia LUX LU 23424881 Europe 0.48 0.60 lu LU Ivory Coast 3 I.C. Western Africa Sub-Saharan Africa CIV CI 23424854 Africa 0.50 0.48 ci CI Liberia 4 Liberia Western Africa Sub-Saharan Africa LBR LR 23424876 Africa 0.96 0.75 lr LR Brunei 6 Brunei South-Eastern Asia East Asia & Pacific BRN BN 23424773 Asia 0.32 0.34 bn BN Iraq 3 Iraq Western Asia Middle East & North Africa IRQ IQ 23424855 Asia 0.46 0.44 iq IQ Georgia 5 Geo. Western Asia Europe & Central Asia GEO GE 23424823 Asia 0.99 0.82 ge GE Gambia 6 Gambia Western Africa Sub-Saharan Africa GMB GM 23424821 Africa 0.51 0.51 gm GM Switzerland 4 Switz. Western Europe Europe & Central Asia CHE CH 23424957 Europe 0.12 0.55 ch CH Chad 3 Chad Middle Africa Sub-Saharan Africa TCD TD 23424777 Africa 0.47 0.63 td TD Kosovo 6 Kos. Southern Europe Europe & Central Asia -99 KV -90 Europe 0.49 0.52 kv KV Lebanon 5 Leb. Western Asia Middle East & North Africa LBN LB 23424873 Asia 0.39 0.57 lb LB Djibouti 5 Dji. Eastern Africa Middle East & North Africa DJI DJ 23424797 Africa 0.56 0.55 dj DJ Burundi 6 Bur. Eastern Africa Sub-Saharan Africa BDI BI 23424774 Africa 0.57 0.47 bi BI Suriname 4 Sur. South America Latin America & Caribbean SUR SR 23424913 South America 0.91 0.09 sr SR Israel 4 Isr. Western Asia Middle East & North Africa ISR IL 23424852 Asia 0.68 0.10 il IL Mali 3 Mali Western Africa Sub-Saharan Africa MLI ML 23424891 Africa 0.59 0.38 ml ML Senegal 3 Sen. Western Africa Sub-Saharan Africa SEN SN 23424943 Africa 0.20 0.55 sn SN Guinea 3 Gin. Western Africa Sub-Saharan Africa GIN GN 23424835 Africa 0.24 0.51 gn GN Zimbabwe 3 Zimb. Eastern Africa Sub-Saharan Africa ZWE ZW 23425004 Africa 0.81 0.42 zw ZW Poland 3 Pol. Eastern Europe Europe & Central Asia POL PL 23424923 Europe 0.50 0.48 pl PL North Macedonia 6 Mkd. Southern Europe Europe & Central Asia MKD MK 23424890 Europe 0.49 0.44 mk MK Paraguay 4 Para. South America Latin America & Caribbean PRY PY 23424917 South America 0.35 0.36 py PY Belarus 4 Bela. Eastern Europe Europe & Central Asia BLR BY 23424765 Europe 0.50 0.50 by BY Czech Republic 5 Cz. Rep. Eastern Europe Europe & Central Asia CZE CZ 23424810 Europe 0.49 0.56 cz CZ Burkina Faso 3 B.F. Western Africa Sub-Saharan Africa BFA BF 23424978 Africa 0.45 0.54 bf BF Namibia 3 Nam. Southern Africa Sub-Saharan Africa NAM NA 23424987 Africa 0.33 0.37 na NA Libya 3 Libya Northern Africa Middle East & North Africa LBY LY 23424882 Africa 0.51 0.38 ly LY Tunisia 3 Tun. Northern Africa Middle East & North Africa TUN TN 23424967 Africa 0.53 0.03 tn TN Bhutan 5 Bhutan Southern Asia South Asia BTN BT 23424770 Asia 0.48 0.48 bt BT Moldova 6 Mda. Eastern Europe Europe & Central Asia MDA MD 23424885 Europe 0.52 0.42 md MD South Sudan 3 S. Sud. Eastern Africa Sub-Saharan Africa SSD SS -99 Africa 0.49 0.58 ss SS Botswana 4 Bwa. Southern Africa Sub-Saharan Africa BWA BW 23424755 Africa 0.49 0.60 bw BW The Bahamas 4 Bhs. Caribbean Latin America & Caribbean BHS BS 23424758 North America 0.80 0.92 bs BS New Zealand 2 N.Z. Australia and New Zealand East Asia & Pacific NZL NZ 23424916 Oceania 0.25 0.81 nz NZ Cuba 3 Cuba Caribbean Latin America & Caribbean CUB CU 23424793 North America 0.67 0.64 cu CU Ecuador 3 Ecu. South America Latin America & Caribbean ECU EC 23424801 South America 0.16 0.37 ec EC Australia 2 Auz. Australia and New Zealand East Asia & Pacific AUS AU -90 Oceania 0.53 0.39 au AU Venezuela 3 Ven. South America Latin America & Caribbean VEN VE 23424982 South America 0.50 0.33 ve VE Solomon Islands 3 S. Is. Melanesia East Asia & Pacific SLB SB 23424766 Oceania 0.13 0.24 sb SB Madagascar 3 Mad. Eastern Africa Sub-Saharan Africa MDG MG 23424883 Africa 0.45 0.48 mg MG Iceland 3 Iceland Northern Europe Europe & Central Asia ISL IS 23424845 Europe 0.50 0.50 is IS Egypt 2 Egypt Northern Africa Middle East & North Africa EGY EG 23424802 Africa 0.50 0.66 eg EG Kyrgyzstan 4 Kgz. Central Asia Europe & Central Asia KGZ KG 23424864 Asia 0.48 0.43 kg KG Nepal 3 Nepal Southern Asia South Asia NPL NP 23424911 Asia 0.52 0.54 np NP

TorFX

Faroe Islands 6 Faeroe Is. Northern Europe Europe & Central Asia FRO FO 23424816 Europe 0.48 0.54 fo FO United States Minor Outlying Islands 5 U.S. MOI Seven seas (open ocean) East Asia & Pacific UMI UM 28289407 North America 0.57 0.58 um UM United States of America 2 U.S.A. Northern America North America USA US 23424977 North America 0.68 0.68 us US Japan 2 Japan Eastern Asia East Asia & Pacific JPN JP 23424856 Asia 0.52 0.66 jp JP Seychelles 6 Syc. Eastern Africa Sub-Saharan Africa SYC SC 23424941 Seven seas (open ocean) 0.58 0.41 sc SC India 2 India Southern Asia South Asia IND IN 23424848 Asia 0.34 0.43 in IN France 2 Fr. Western Europe Europe & Central Asia FRA FR -90 Europe 0.28 0.04 fr FR Federated States of Micronesia 6 F.S.M. Micronesia East Asia & Pacific FSM FM 23424815 Oceania 0.50 0.52 fm FM China 2 China Eastern Asia East Asia & Pacific CHN CN 23424781 Asia 0.41 0.56 cn CN Portugal 2 Port. Southern Europe Europe & Central Asia PRT PT 23424925 Europe 0.46 0.50 pt PT Serranilla Bank 5 S.B. Caribbean Latin America & Caribbean -99 SW -99 North America 0.86 0.57 sw SW Scarborough Reef 6 S.R. South-Eastern Asia East Asia & Pacific -99 SH -99 Asia 0.54 0.51 sh SH Brazil 2 Brazil South America Latin America & Caribbean BRA BR 23424768 South America 0.54 0.34 br BR Kiribati 6 Kir. Micronesia East Asia & Pacific KIR KI 23424867 Oceania 0.28 0.65 ki KI Philippines 2 Phil. South-Eastern Asia East Asia & Pacific PHL PH 23424934 Asia 0.40 0.19 ph PH Mexico 2 Mex. Central America Latin America & Caribbean MEX MX 23424900 North America 0.51 0.49 mx MX Spain 2 Sp. Southern Europe Europe & Central Asia ESP ES 23424950 Europe 0.76 0.27 es ES Bajo Nuevo Bank (Petrel Is.) 8 NULL Caribbean Latin America & Caribbean -99 BU -99 North America 0.49 0.73 bu BU Maldives 5 Mald. Southern Asia South Asia MDV MV 23424899 Seven seas (open ocean) 0.57 0.53 mv MV Spratly Islands 6 Spratly Is. South-Eastern Asia East Asia & Pacific SPI SP 23424921 Asia 0.50 0.50 sp SP United Kingdom 2 U.K. Northern Europe Europe & Central Asia GBR GB -90 Europe 0.69 0.09 gb GB Greece 3 Greece Southern Europe Europe & Central Asia GRC GR 23424833 Europe 0.30 0.43 gr GR American Samoa 4 Am. Samoa Polynesia East Asia & Pacific ASM AS 23424746 Oceania 0.56 0.57 as AS Denmark 4 Den. Northern Europe Europe & Central Asia DNK DK 23424796 Europe 0.35 0.49 dk DK Greenland 3 Grlnd. Northern America Europe & Central Asia GRL GL 23424828 North America 0.55 0.43 gl GL Guam 6 Guam Micronesia East Asia & Pacific GUM GU 23424832 Oceania 0.45 0.44 gu GU Northern Mariana Islands 6 N.M.I. Micronesia East Asia & Pacific MNP MP 23424788 Oceania 0.45 0.49 mp MP Puerto Rico 5 P.R. Caribbean Latin America & Caribbean PRI PR 23424935 North America 0.48 0.65 pr PR United States Virgin Islands 6 V.I. (U.S.) Caribbean Latin America & Caribbean VIR VI 23424985 North America 0.48 0.19 vi VI Canada 2 Can. Northern America North America CAN CA 23424775 North America 0.29 0.64 ca CA Sao Tome and Principe 6 S.T.P. Middle Africa Sub-Saharan Africa STP ST 23424966 Africa 0.55 0.50 st ST Cape Verde 4 C.Vd. Western Africa Sub-Saharan Africa CPV CV 23424794 Africa 0.56 0.50 cv CV Dominica 6 D’inca Caribbean Latin America & Caribbean DMA DM 23424798 North America 0.54 0.47 dm DM Netherlands 5 Neth. Western Europe Europe & Central Asia NLD NL -90 Europe 0.99 0.01 nl NL Jamaica 4 Jam. Caribbean Latin America & Caribbean JAM JM 23424858 North America 0.50 0.52 jm JM Samoa 4 Samoa Polynesia East Asia & Pacific WSM WS 23424992 Oceania 0.50 0.54 ws WS Oman 4 Oman Western Asia Middle East & North Africa OMN OM 23424898 Asia 0.88 0.44 om OM Saint Vincent and the Grenadines 6 St.V.G. Caribbean Latin America & Caribbean VCT VC 23424981 North America 0.50 0.50 vc VC Turkey 2 Tur. Western Asia Europe & Central Asia TUR TR 23424969 Asia 0.34 0.49 tr TR Bangladesh 3 Bang. Southern Asia South Asia BGD BD 23424759 Asia 0.85 0.61 bd BD Saint Lucia 6 S.L. Caribbean Latin America & Caribbean LCA LC 23424951 North America 0.52 0.47 lc LC Nauru 6 Nauru Micronesia East Asia & Pacific NRU NR 23424912 Oceania 0.53 0.50 nr NR Norway 3 Nor. Northern Europe Europe & Central Asia NOR NO -90 Europe 0.10 0.93 no NO Saint Kitts and Nevis 6 St.K.N. Caribbean Latin America & Caribbean KNA KN 23424940 North America 0.57 0.49 kn KN Bahrain 4 Bahr. Western Asia Middle East & North Africa BHR BH 23424753 Asia 0.45 0.50 bh BH Tonga 4 Tongo Polynesia East Asia & Pacific TON TO 23424964 Oceania 0.54 0.34 to TO Finland 3 Fin. Northern Europe Europe & Central Asia FIN FI 23424812 Europe 0.63 0.54 fi FI Indonesia 2 Indo. South-Eastern Asia East Asia & Pacific IDN ID 23424846 Asia 0.38 0.41 id ID Mauritius 5 Mus. Eastern Africa Sub-Saharan Africa MUS MU 23424894 Seven seas (open ocean) 0.63 0.58 mu MU Sweden 3 Swe. Northern Europe Europe & Central Asia SWE SE 23424954 Europe 0.40 0.48 se SE Trinidad and Tobago 5 Tr.T. Caribbean Latin America & Caribbean TTO TT 23424958 North America 0.46 0.44 tt TT Malaysia 3 Malay. South-Eastern Asia East Asia & Pacific MYS MY 23424901 Asia 0.90 0.26 my MY Panama 4 Pan. Central America Latin America & Caribbean PAN PA 23424924 North America 0.22 0.50 pa PA Palau 6 Palau Micronesia East Asia & Pacific PLW PW 23424927 Oceania 0.38 0.44 pw PW Tuvalu 6 Tuv. Polynesia East Asia & Pacific TUV TV 23424970 Oceania 0.25 0.50 tv TV Marshall Islands 6 M. Is. Micronesia East Asia & Pacific MHL MH 23424932 Oceania 0.49 0.60 mh MH Chile 2 Chile South America Latin America & Caribbean CHL CL 23424782 South America 0.51 0.90 cl CL Thailand 3 Thai. South-Eastern Asia East Asia & Pacific THA TH 23424960 Asia 0.25 0.49 th TH Grenada 6 Gren. Caribbean Latin America & Caribbean GRD GD 23424826 North America 0.50 0.50 gd GD Estonia 6 Est. Northern Europe Europe & Central Asia EST EE 23424805 Europe 0.35 0.41 ee EE Antigua and Barbuda 6 Ant.B. Caribbean Latin America & Caribbean ATG AG 23424737 North America 0.50 0.48 ag AG Taiwan 3 Taiwan Eastern Asia East Asia & Pacific TWN TW 23424971 Asia 0.49 0.41 tw TW Barbados 5 Barb. Caribbean Latin America & Caribbean BRB BB 23424754 North America 0.31 0.56 bb BB Italy 2 Italy Southern Europe Europe & Central Asia ITA IT 23424853 Europe 0.79 0.71 it IT Malta 5 Malta Southern Europe Middle East & North Africa MLT MT 23424897 Europe 0.49 0.53 mt MT Vanuatu 4 Van. Melanesia East Asia & Pacific VUT VU 23424907 Oceania 0.60 0.53 vu VU Singapore 6 Sing. South-Eastern Asia East Asia & Pacific SGP SG 23424948 Asia 0.50 0.57 sg SG Cyprus 5 Cyp. Western Asia Europe & Central Asia CYP CY -90 Asia 0.39 0.51 cy CY Sri Lanka 3 Sri L. Southern Asia South Asia LKA LK 23424778 Asia 0.62 0.91 lk LK Comoros 6 Com. Eastern Africa Sub-Saharan Africa COM KM 23424786 Africa 0.41 0.51 km KM Fiji 6 Fiji Melanesia East Asia & Pacific FJI FJ 23424813 Oceania 0.44 0.33 fj FJ Russia 2 Rus. Eastern Europe Europe & Central Asia RUS RU 23424936 Europe 0.57 0.56 ru RU Vatican 6 Vat. Southern Europe Europe & Central Asia VAT VA 23424986 Europe 0.61 0.44 va VA San Marino 6 S.M. Southern Europe Europe & Central Asia SMR SM 23424947 Europe 0.48 0.42 sm SM Kazakhstan 3 Kaz. Central Asia Europe & Central Asia KAZ KZ -90 Asia 0.57 0.46 kz KZ Azerbaijan 5 Aze. Western Asia Europe & Central Asia AZE AZ 23424741 Asia 0.83 0.51 az AZ Tajikistan 4 Tjk. Central Asia Europe & Central Asia TJK TJ 23424961 Asia 0.28 0.56 tj TJ Lesotho 6 Les. Southern Africa Sub-Saharan Africa LSO LS 23424880 Africa 0.52 0.45 ls LS Uzbekistan 3 Uzb. Central Asia Europe & Central Asia UZB UZ 23424980 Asia 0.46 0.53 uz UZ Morocco 3 Mor. Northern Africa Middle East & North Africa MAR MA 23424893 Africa 0.60 0.21 ma MA Colombia 2 Col. South America Latin America & Caribbean COL CO 23424787 South America 0.50 0.54 co CO East Timor 5 T.L. South-Eastern Asia East Asia & Pacific TLS TL 23424968 Asia 0.65 0.36 tl TL United Republic of Tanzania 3 Tanz. Eastern Africa Sub-Saharan Africa TZA TZ 23424973 Africa 0.50 0.50 tz TZ Argentina 2 Arg. South America Latin America & Caribbean ARG AR 23424747 South America 0.46 0.27 ar AR Saudi Arabia 2 Saud. Western Asia Middle East & North Africa SAU SA 23424938 Asia 0.45 0.53 sa SA Pakistan 2 Pak. Southern Asia South Asia PAK PK 23424922 Asia 0.34 0.64 pk PK Yemen 3 Yem. Western Asia Middle East & North Africa YEM YE 23425002 Asia 0.39 0.75 ye YE United Arab Emirates 4 U.A.E. Western Asia Middle East & North Africa ARE AE 23424738 Asia 0.59 0.65 ae AE Kenya 2 Ken. Eastern Africa Sub-Saharan Africa KEN KE 23424863 Africa 0.87 0.70 ke KE Peru 2 Peru South America Latin America & Caribbean PER PE 23424919 South America 0.69 0.71 pe PE Dominican Republic 5 Dom. Rep. Caribbean Latin America & Caribbean DOM DO 23424800 North America 0.46 0.38 do DO Haiti 5 Haiti Caribbean Latin America & Caribbean HTI HT 23424839 North America 0.82 0.96 ht HT Papua New Guinea 2 P.N.G. Melanesia East Asia & Pacific PNG PG 23424926 Oceania 0.14 0.50 pg PG Angola 3 Ang. Middle Africa Sub-Saharan Africa AGO AO 23424745 Africa 0.50 0.67 ao AO Cambodia 3 Camb. South-Eastern Asia East Asia & Pacific KHM KH 23424776 Asia 0.84 0.49 kh KH Vietnam 2 Viet. South-Eastern Asia East Asia & Pacific VNM VN 23424984 Asia 0.59 0.89 vn VN Mozambique 3 Moz. Eastern Africa Sub-Saharan Africa MOZ MZ 23424902 Africa 0.83 0.28 mz MZ Costa Rica 5 C.R. Central America Latin America & Caribbean CRI CR 23424791 North America 0.55 0.31 cr CR Benin 5 Benin Western Africa Sub-Saharan Africa BEN BJ 23424764 Africa 0.57 0.49 bj BJ Nigeria 2 Nigeria Western Africa Sub-Saharan Africa NGA NG 23424908 Africa 0.36 0.33 ng NG Iran 2 Iran Southern Asia Middle East & North Africa IRN IR 23424851 Asia 0.58 0.51 ir IR El Salvador 6 El. S. Central America Latin America & Caribbean SLV SV 23424807 North America 0.50 0.55 sv SV Sierra Leone 4 S.L. Western Africa Sub-Saharan Africa SLE SL 23424946 Africa 0.48 0.48 sl SL Guinea Bissau 6 GnB. Western Africa Sub-Saharan Africa GNB GW 23424929 Africa 0.55 0.49 gw GW Croatia 6 Cro. Southern Europe Europe & Central Asia HRV HR 23424843 Europe 0.35 0.59 hr HR Belize 6 Belize Central America Latin America & Caribbean BLZ BZ 23424760 North America 0.53 0.50 bz BZ South Africa 2 S.Af. Southern Africa Sub-Saharan Africa ZAF ZA 23424942 Africa 0.36 0.70 za ZA Central African Republic 4 C.A.R. Middle Africa Sub-Saharan Africa CAF CF 23424792 Africa 0.47 0.46 cf CF Sudan 3 Sudan Northern Africa Sub-Saharan Africa SDN SD -90 Africa 0.50 0.38 sd SD Democratic Republic of the Congo 2 D.R.C. Middle Africa Sub-Saharan Africa COD CD 23424780 Africa 0.58 0.42 cd CD Kuwait 6 Kwt. Western Asia Middle East & North Africa KWT KW 23424870 Asia 0.61 0.40 kw KW Germany 2 Ger. Western Europe Europe & Central Asia DEU DE 23424829 Europe 0.52 0.34 de DE Belgium 2 Belg. Western Europe Europe & Central Asia BEL BE 23424757 Europe 0.54 0.40 be BE Ireland 3 Ire. Northern Europe Europe & Central Asia IRL IE 23424803 Europe 0.45 0.48 ie IE North Korea 3 N.K. Eastern Asia East Asia & Pacific PRK KP 23424865 Asia 0.32 0.63 kp KP South Korea 2 S.K. Eastern Asia East Asia & Pacific KOR KR 23424868 Asia 0.54 0.50 kr KR Guyana 4 Guy. South America Latin America & Caribbean GUY GY 23424836 South America 0.26 0.07 gy GY Honduras 5 Hond. Central America Latin America & Caribbean HND HN 23424841 North America 0.71 0.09 hn HN Myanmar 3 Myan. South-Eastern Asia East Asia & Pacific MMR MM 23424763 Asia 0.17 0.49 mm MM Gabon 4 Gabon Middle Africa Sub-Saharan Africa GAB GA 23424822 Africa 0.36 0.65 ga GA Equatorial Guinea 4 Eq. G. Middle Africa Sub-Saharan Africa GNQ GQ 23424804 Africa 0.53 0.55 gq GQ Nicaragua 5 Nic. Central America Latin America & Caribbean NIC NI 23424915 North America 0.84 0.50 ni NI Latvia 5 Lat. Northern Europe Europe & Central Asia LVA LV 23424874 Europe 0.05 0.36 lv LV Uganda 3 Uga. Eastern Africa Sub-Saharan Africa UGA UG 23424974 Africa 0.16 0.56 ug UG Malawi 6 Mal. Eastern Africa Sub-Saharan Africa MWI MW 23424889 Africa 0.16 0.29 mw MW Armenia 6 Arm. Western Asia Europe & Central Asia ARM AM 23424743 Asia 0.10 0.12 am AM Somaliland 5 Solnd. Eastern Africa Sub-Saharan Africa -99 SX -99 Africa 0.76 0.53 sx SX Turkmenistan 4 Turkm. Central Asia Europe & Central Asia TKM TM 23424972 Asia 0.40 0.42 tm TM Zambia 3 Zambia Eastern Africa Sub-Saharan Africa ZMB ZM 23425003 Africa 0.36 0.58 zm ZM Northern Cyprus 6 N. Cy. Western Asia Europe & Central Asia -99 NC -90 Asia 0.56 0.71 nc NC Mauritania 3 Mrt. Western Africa Sub-Saharan Africa MRT MR 23424896 Africa 0.61 0.63 mr MR Algeria 3 Alg. Northern Africa Middle East & North Africa DZA DZ 23424740 Africa 0.63 0.50 dz DZ Lithuania 5 Lith. Northern Europe Europe & Central Asia LTU LT 23424875 Europe 0.27 0.06 lt LT Ethiopia 2 Eth. Eastern Africa Sub-Saharan Africa ETH ET 23424808 Africa 0.45 0.58 et ET Eritrea 4 Erit. Eastern Africa Sub-Saharan Africa ERI ER 23424806 Africa 0.29 0.05 er ER Ghana 3 Ghana Western Africa Sub-Saharan Africa GHA GH 23424824 Africa 0.13 0.77 gh GH Slovenia 6 Slo. Southern Europe Europe & Central Asia SVN SI 23424945 Europe 0.52 0.57 si SI Guatemala 3 Guat. Central America Latin America & Caribbean GTM GT 23424834 North America 0.44 0.87 gt GT Bosnia and Herzegovina 5 B.H. Southern Europe Europe & Central Asia BIH BA 23424761 Europe 0.45 0.48 ba BA Jordan 4 Jord. Western Asia Middle East & North Africa JOR JO 23424860 Asia 0.45 0.85 jo JO Syria 3 Syria Western Asia Middle East & North Africa SYR SY 23424956 Asia 0.25 0.54 sy SY Monaco 6 Mco. Western Europe Europe & Central Asia MCO MC 23424892 Europe 0.50 0.67 mc MC Albania 6 Alb. Southern Europe Europe & Central Asia ALB AL 23424742 Europe 0.39 0.49 al AL Uruguay 4 Ury. South America Latin America & Caribbean URY UY 23424979 South America 0.81 0.63 uy UY Cyprus No Mans Area 9 NULL Western Asia Europe & Central Asia -99 NULL -99 Asia 0.39 0.11 cnm CN Mongolia 3 Mong. Eastern Asia East Asia & Pacific MNG MN 23424887 Asia 0.49 0.53 mn MN Rwanda 3 Rwa. Eastern Africa Sub-Saharan Africa RWA RW 23424937 Africa 0.48 0.56 rw RW Somalia 6 Som. Eastern Africa Sub-Saharan Africa SOM SO -90 Africa 0.39 0.74 so SO Bolivia 3 Bolivia South America Latin America & Caribbean BOL BO 23424762 South America 0.48 0.59 bo BO Cameroon 3 Cam. Middle Africa Sub-Saharan Africa CMR CM 23424785 Africa 0.50 0.81 cm CM Republic of Congo 4 Rep. Congo Middle Africa Sub-Saharan Africa COG CG 23424779 Africa 0.15 0.78 cg CG Western Sahara 7 W. Sah. Northern Africa Middle East & North Africa ESH EH 23424990 Africa 0.41 0.71 eh EH Republic of Serbia 5 Serb. Southern Europe Europe & Central Asia SRB RS -90 Europe 0.42 0.52 rs RS Montenegro 6 Mont. Southern Europe Europe & Central Asia MNE ME 20069817 Europe 0.42 0.47 me ME Togo 6 Togo Western Africa Sub-Saharan Africa TGO TG 23424965 Africa 0.76 0.81 tg TG Laos 4 Laos South-Eastern Asia East Asia & Pacific LAO LA 23424872 Asia 0.88 0.79 la LA Afghanistan 3 Afg. Southern Asia South Asia AFG AF 23424739 Asia 0.37 0.52 af AF Ukraine 3 Ukr. Eastern Europe Europe & Central Asia UKR UA 23424976 Europe 0.70 0.46 ua UA Slovakia 6 Svk. Eastern Europe Europe & Central Asia SVK SK 23424877 Europe 0.21 0.52 sk SK Siachen Glacier 5 Siachen Southern Asia South Asia -99 JK 23424928 Asia 0.40 0.63 jk JK Bulgaria 4 Bulg. Eastern Europe Europe & Central Asia BGR BG 23424771 Europe 0.76 0.51 bg BG Qatar 5 Qatar Western Asia Middle East & North Africa QAT QA 23424930 Asia 0.36 0.46 qa QA Liechtenstein 6 Liech. Western Europe Europe & Central Asia LIE LI 23424879 Europe 0.61 0.53 li LI Austria 4 Aust. Western Europe Europe & Central Asia AUT AT 23424750 Europe 0.52 0.62 at AT Eswatini 4 Swz. Southern Africa Sub-Saharan Africa SWZ SZ 23424993 Africa 0.51 0.45 sz SZ Hungary 5 Hun. Eastern Europe Europe & Central Asia HUN HU 23424844 Europe 0.27 0.61 hu HU Romania 3 Rom. Eastern Europe Europe & Central Asia ROU RO 23424933 Europe 0.67 0.50 ro RO Niger 3 Niger Western Africa Sub-Saharan Africa NER NE 23424906 Africa 0.64 0.53 ne NE Luxembourg 6 Lux. Western Europe Europe & Central Asia LUX LU 23424881 Europe 0.48 0.60 lu LU Ivory Coast 3 I.C. Western Africa Sub-Saharan Africa CIV CI 23424854 Africa 0.50 0.48 ci CI Liberia 4 Liberia Western Africa Sub-Saharan Africa LBR LR 23424876 Africa 0.96 0.75 lr LR Brunei 6 Brunei South-Eastern Asia East Asia & Pacific BRN BN 23424773 Asia 0.32 0.34 bn BN Iraq 3 Iraq Western Asia Middle East & North Africa IRQ IQ 23424855 Asia 0.46 0.44 iq IQ Georgia 5 Geo. Western Asia Europe & Central Asia GEO GE 23424823 Asia 0.99 0.82 ge GE Gambia 6 Gambia Western Africa Sub-Saharan Africa GMB GM 23424821 Africa 0.51 0.51 gm GM Switzerland 4 Switz. Western Europe Europe & Central Asia CHE CH 23424957 Europe 0.12 0.55 ch CH Chad 3 Chad Middle Africa Sub-Saharan Africa TCD TD 23424777 Africa 0.47 0.63 td TD Kosovo 6 Kos. Southern Europe Europe & Central Asia -99 KV -90 Europe 0.49 0.52 kv KV Lebanon 5 Leb. Western Asia Middle East & North Africa LBN LB 23424873 Asia 0.39 0.57 lb LB Djibouti 5 Dji. Eastern Africa Middle East & North Africa DJI DJ 23424797 Africa 0.56 0.55 dj DJ Burundi 6 Bur. Eastern Africa Sub-Saharan Africa BDI BI 23424774 Africa 0.57 0.47 bi BI Suriname 4 Sur. South America Latin America & Caribbean SUR SR 23424913 South America 0.91 0.09 sr SR Israel 4 Isr. Western Asia Middle East & North Africa ISR IL 23424852 Asia 0.68 0.10 il IL Mali 3 Mali Western Africa Sub-Saharan Africa MLI ML 23424891 Africa 0.59 0.38 ml ML Senegal 3 Sen. Western Africa Sub-Saharan Africa SEN SN 23424943 Africa 0.20 0.55 sn SN Guinea 3 Gin. Western Africa Sub-Saharan Africa GIN GN 23424835 Africa 0.24 0.51 gn GN Zimbabwe 3 Zimb. Eastern Africa Sub-Saharan Africa ZWE ZW 23425004 Africa 0.81 0.42 zw ZW Poland 3 Pol. Eastern Europe Europe & Central Asia POL PL 23424923 Europe 0.50 0.48 pl PL North Macedonia 6 Mkd. Southern Europe Europe & Central Asia MKD MK 23424890 Europe 0.49 0.44 mk MK Paraguay 4 Para. South America Latin America & Caribbean PRY PY 23424917 South America 0.35 0.36 py PY Belarus 4 Bela. Eastern Europe Europe & Central Asia BLR BY 23424765 Europe 0.50 0.50 by BY Czech Republic 5 Cz. Rep. Eastern Europe Europe & Central Asia CZE CZ 23424810 Europe 0.49 0.56 cz CZ Burkina Faso 3 B.F. Western Africa Sub-Saharan Africa BFA BF 23424978 Africa 0.45 0.54 bf BF Namibia 3 Nam. Southern Africa Sub-Saharan Africa NAM NA 23424987 Africa 0.33 0.37 na NA Libya 3 Libya Northern Africa Middle East & North Africa LBY LY 23424882 Africa 0.51 0.38 ly LY Tunisia 3 Tun. Northern Africa Middle East & North Africa TUN TN 23424967 Africa 0.53 0.03 tn TN Bhutan 5 Bhutan Southern Asia South Asia BTN BT 23424770 Asia 0.48 0.48 bt BT Moldova 6 Mda. Eastern Europe Europe & Central Asia MDA MD 23424885 Europe 0.52 0.42 md MD South Sudan 3 S. Sud. Eastern Africa Sub-Saharan Africa SSD SS -99 Africa 0.49 0.58 ss SS Botswana 4 Bwa. Southern Africa Sub-Saharan Africa BWA BW 23424755 Africa 0.49 0.60 bw BW The Bahamas 4 Bhs. Caribbean Latin America & Caribbean BHS BS 23424758 North America 0.80 0.92 bs BS New Zealand 2 N.Z. Australia and New Zealand East Asia & Pacific NZL NZ 23424916 Oceania 0.25 0.81 nz NZ Cuba 3 Cuba Caribbean Latin America & Caribbean CUB CU 23424793 North America 0.67 0.64 cu CU Ecuador 3 Ecu. South America Latin America & Caribbean ECU EC 23424801 South America 0.16 0.37 ec EC Australia 2 Auz. Australia and New Zealand East Asia & Pacific AUS AU -90 Oceania 0.53 0.39 au AU Venezuela 3 Ven. South America Latin America & Caribbean VEN VE 23424982 South America 0.50 0.33 ve VE Solomon Islands 3 S. Is. Melanesia East Asia & Pacific SLB SB 23424766 Oceania 0.13 0.24 sb SB Madagascar 3 Mad. Eastern Africa Sub-Saharan Africa MDG MG 23424883 Africa 0.45 0.48 mg MG Iceland 3 Iceland Northern Europe Europe & Central Asia ISL IS 23424845 Europe 0.50 0.50 is IS Egypt 2 Egypt Northern Africa Middle East & North Africa EGY EG 23424802 Africa 0.50 0.66 eg EG Kyrgyzstan 4 Kgz. Central Asia Europe & Central Asia KGZ KG 23424864 Asia 0.48 0.43 kg KG Nepal 3 Nepal Southern Asia South Asia NPL NP 23424911 Asia 0.52 0.54 np NP

Xe vs TorFX: Where can you send money to?

ToFX allows you to send 30+ currencies to 120 countries. Xe allows you to send an even greater 100 currencies to 200 countries. Ultimately though, all major currencies are covered by both providers. 

There’s no need to register with either provider to see what currencies they handle. Simply check their website.

You can view a full list of countries you can send money to in Xe’s FAQs. Give TorFX a call if you plan to send money to a remote country.

Xe vs TorFX: Side-by-side

CompanyXeTorFX
Founded19932004
CredibilityHighly-credible, renowned for their currency converter and currency tablesHighly credible, owned by Currencies Direct.
SafetyFully regulated and licensedFully regulated and licensed
Customer Reviews64,000+7,000+
Customer Rating
App Reviews 17,000+
142,000+		 20+
400+
App Rating 4.8/5
4.7/5		 4.0/5
4.1/5
CostSmall fees on transfers under £1k and margin added to the mid-market rateNo fees on any size transfer and margin added to the mid-market rate
SpeedUsually 1-2 working daysUsually 1-2 working days
Service Online
App
Telephone dealer only when trading over $50,000 USD per year		 Online
App
Personal account manager to call anytime
Functionality
Bank-to-bank transfers
Market orders
Forward contract
Regular payments
Cash pickup
Currency API
24/7 transfers
Rate alerts
Go To XE Go To TorFX

History / credibility

Xe was established in 1993 as a provider of currency information and currency tools. It is renowned for its currency converter and historical currency charts, services that are accessed over 280 million times annually. Chances are, if you’ve ever looked up real-time exchange rates for any global currency, you’ve likely encountered Xe.

The company ventured into international money transfers in 2002, initially partnering with Western Union for a white label service. In 2015, Euronet Worldwide, a large-scale payments company with a market valuation exceeding $4 billion USD, acquired Xe. Since the acquisition, Xe’s money transfer department has expanded substantially and is now managed internally. Before purchasing Xe, Euronet also acquired HiFX, one of the UK’s top currency brokers.

Merging a highly esteemed UK currency broker with Xe’s globally-renowned currency brand, it’s reasonable to consider Xe money transfer as a highly reliable choice for overseas transfers.

TorFX was founded in 2004 in the charming seaside town of Penzance, Cornwall. This means TorFX has been reliably managing international money transfers for 20 years. Expanding beyond its UK roots, TorFX opened an international office in the more exotic seaside locale of Australia’s Gold Coast. This expansion means TorFX is regulated by both the FCA in the UK and AUSTRAC in Australia, underscoring its compliance with two major global financial regulators.

The company’s distinctive office locations contribute to its high staff retention rates, supporting a team of seasoned dealers who expertly assist customers throughout the transfer process. TorFX has secured over 20 industry accolades, including recognition as the international money transfer provider of the year and awards for outstanding customer service. Owned by the money transfer giant Currencies Direct, the group collectively handles more than £10 billion annually in foreign exchange and international payments.

Safety

Xe and TorFX are fully licensed and regulated in all territories in which they operate. For customers in the EU, TorFX is regulated through its parent company, Currencies Direct, who are registered and authorised by the Bank of Spain. In the UK, Xe is regulated by the FCA as an authorised payment institution, while TorFX is regulated as an electronic money institution. In light of this, TorFX perhaps comes under slightly stricter scrutiny from the FCA.

In Australia, Xe is regulated by ASIC (licence no. 240917) through Euornet subsidiary HiFX Australia Pty Ltd, but trading as Xe. TorFX is also regulated by ASIC (licence no. 226484). ASIC regulated firms must manage your money in line with the ASIC Client Money Reporting Rules 2017.

It’s important to note, however, that neither provider issues loans and thus does not operate under the APRA’s Financial Claims Scheme, which protects customer funds up to $250,000. We advise contacting both firms directly to understand what can happen to your money in the unlikely event that either company faces financial difficulties.

Customer reviews

A quick glance on the net and you’ll find thousands of reviews for both Xe and TorFX.

With more than 64,000 reviews, Xe boasts one of the largest collections of customer feedback in the industry. Achieving a 4.3/5 rating from such a large pool is an impressive accomplishment. Users frequently commend Xe for its straightforward and effective service.

However, there are some grievances regarding Xe’s extended hold times on funds and slower payment processing compared to other providers. Approximately 90% of Xe’s reviews are positive, 3% are neutral, and 7% are complaints.

TorFX, with just over 7,000 reviews, has a fraction of the number of reviews as Xe. Still, this number is substantial within the industry and ranks among the highest for a specialised currency brokerage service. TorFX achieves a 4.9/5 rating, which, alongside Currencies Direct, is the best in the industry. Customers regularly highlight the professional service and easy communication of their TorFX account manager.

The main complaints relate to TorFX’s compliance procedures and the need to ask for more documentation before they book a transfer. Approximately 96% of TorFXreviews are positive, 1% are neutral, and 3% are negative.

Cost

Xe and TorFX both make money in the same way. When executing a currency transfer, you incur costs from both transaction fees and an ‘FX spread’ that is applied to the interbank rate. This pricing structure is employed by about 95% of the money transfer sector.   The FX spread is the primary concern (since it can significantly impact the cost). 

Being a ‘concealed’ fee, its calculation requires you to determine the difference between the rate they provide and the actual mid-market rate. In terms of payment fees, Xe charges a nominal £1.99 for transfers >£1,000 (or currency equivalent). Transfers over this amount are fee-free. 

The Xe money transfer calculator (not to be confused with their more widely used mid-market currency converter) suggests an FX spread of 0.4% is applied to a transfer of £10,000 and an FX spread of 0.83% is applied to a transfer of £100,000. Very peculiar indeed. You’d expect a smaller spread to be applied to larger transfers. TorFX charges zero payment fees for individuals (only businesses). 

You have to either register or contact TorFX to get a quote on the exchange rate, but we do know that rates improve the higher the amount you send. Bear in mind that with either provider, if you haven’t yet registered, the rate will move between the time of the initial quote and once your account is fully up and running. 

As a general rule, Xe has better rates on a £10,000 transfer and TorFX has better rates on a transfer of £100,000. It’s always advisable to compare quotes to secure the most favourable deal.  Register with both companies, and assess yourself which one offers the more cost-effective option.

Speed

In terms of transfer speed, both companies generally offer comparable timeframes. Since they conduct bank-to-bank transfers, the process largely depends on local payment systems, intermediary banks, and the SWIFT network for your international transaction. Most transactions with Xe and TorFX are finalised within 1-2 business days, though some currencies may require up to 4 business days. It’s wise to allocate ample time, regardless of your chosen provider.

Service

Xe offers a super user-friendly online platform and money transfer app. You have the option to sign up via either method, and once you’re registered, handling beneficiaries, initiating transfers, and monitoring their progress is straightforward. The Xe app is highly rated on both Apple and Android, achieving impressive scores of 4.8/5 and 4.7/5, respectively.

However, access to their specialised account team service is exclusively available for those who transfer over $50,000 USD annually. So, depending on your circumstances, discussing an appropriate currency strategy and utilising the right currency hedging tools can be somewhat challenging.

TorFX has an online platform and money transfer app too, but its app has a tiny sample of reviews, particularly on Apple (just 20 reviews). They are much more geared to handling transfers by phone through their highly experienced team of account managers. Keep in mind they’ve won the Moneyfacts Best Customer Service award in six of the last eight years.

There are no minimum transfer requirements to discuss your strategy and potential hedging solutions with TorFX.

Xe vs TorFX: Summing up

verdict

The key takeaway is that Xe excels in remittances and smaller transactions. They provide a broader array of currency options, a better reviewed app, and better rates for smaller payments.

On the flip side, TorFX is more suitable for large transfers. They have the superior customer review rating, and boast countless awards for their customer service. Their tailored service becomes even more beneficial for clients who need to transfer substantial amounts or regularly conduct international money transfers.

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