Xuno Virtual Account (XVA)
Xuno Virtual Account (XVA)
Similar to a traditional bank account, faster and fully digital.
How it works?
We load money into your XVA using either:
RTP (Real-time Payments)
Instant. Needs approval in your bank app.
ACH (Standard)
Takes 1 business day, no action needed.
Your bank determines which method we use.
Send Money Flow
Convert your USD today at live exchange rates. Choose your speed, control your costs.
How it works?
Speed options
Instant to 8 business days, you choose.
Best value
Get the Bank Rate with zero fees on our Best Deal delivery.
Lowest fees in the industry
Save more on every transfer.
Payment methods
Pay from your Xuno Virtual Account or your linked bank directly.
Send Now Convert Later® (SNCL)
For the first time ever, you control your exchange rate.
How it works?
Hold your money
Create an envelope and hold funds for 15 days without converting them immediately.
Monitor live rates
Track rates and decide when they work in your favor.
Convert anytime
Convert up to $1,000 per envelope, in full or in parts.
Stay in control
Load funds, select your recipient, and time your conversions.
Load funds, watch rates, convert when ready, instant delivery.
Converting SNCL Envelope
Your next step when the rates are favorable for you.
How it works?
Enter the amount you want to convert
You can convert up to $1,000 in a single transaction.
Convert partially or fully
You do not have to convert the entire envelope at once.
The recipient stays the same
Once you have created an envelope for a recipient, it cannot be changed.
Convert when the rates are in your favour
You get real-time market rates and the flexibility to convert at the right moment.
Conversion fee stays the same
A flat fee of 99¢ applies to each conversion, no extra costs.
Instant delivery
Once you convert, the funds reach your recipient instantly.
Refer and Earn
Your friend gets $5 on their first transfer and you get $25 once they complete it.
How it works?
Share your referral code
Copy your referral code and share it directly with your friends.
Your friend signs up and completes their first transaction
Your friend must sign up and apply your referral code on their first transaction.
Your friend's reward
Your friend receives a $5 bonus on top of the new customer offer.
Your reward
After your friend's transaction is delivered, you receive a $25 bonus in your Xuno Virtual Account.
Earn more
The more friends you refer, the more you earn. There is no limit.