PERSONAL001 — Personal Wallet Overview and Transfer Fees

Last updated: August 29, 2026

Learn about holding funds in your personal Xtrm digital wallet and the transfer fees associated with moving money to banks, debit cards, prepaid cards, and gift cards.



Overview

Your Xtrm personal wallet allows you to receive, hold, and manage funds securely in multiple currencies. Holding funds in your wallet or sending money wallet-to-wallet is fast and fee-free. When you choose to cash out or transfer funds outside of your Xtrm wallet, standard network and processing fees may apply depending on the target destination.



Transfer Options:



You have several options to transfer funds from your XTRM Personal Digital Wallet:

  1. Bank Transfer

    Send funds directly to your bank account anywhere in the world.

  2. Digital Gift Cards

    Access over 1000 global digital gift cards, such as an Amazon digital gift card.

  3. Reward Link

    A flexible gift card option that allows you to choose from a variety of rewards, including digital gift cards, prepaid cards, and donation options.

  4. Prepaid Visa and MasterCard

    Opt for a prepaid virtual or plastic Visa or MasterCard for versatile use.

  5. Personal Check

    Request funds to be sent via a personal check for traditional cashing.



Each transfer method has its own processing time and associated fees, so be sure to review the details when initiating a transfer.





Wallet Transfer Options Overview



Transfer Options



If you are an individual and have funds in your wallet and want to transfer out to another financial institution or a stored value option or check, these are your choices. Note that not all options are available in all countries.









Bank Transfer

Rapid 

Bank Transfer

Bank Check

Virtual and Plastic Visa

Reward Link

Digital Gift 

Cards

Method

EFT (Electronic Fund Transfer such as ACH, Wire, SEPA...)

Instant Transfer

Instant bank transfer using a linked debit card

Check mailed to individual or business 

Online Instant Transfer

Link where recipients can choose whichever card they want

500+ Global Gift Cards

Geographical coverage

Global

USA

USA

Global

Global

Global

Fee

Low-value free 



Local Currency High-Value Wire is $6.00 USD 



High-Value Non-Local currency Wire $20.00 USD for individuals * † 



Instant Transfer  1.5% + $0.25 capped at $15.00 USD



USA Instant Transfer  1.5% + $0.50 capped at $15.00 USD

 1.5% + $0.25 capped at USD $15.00

USD $2.50 or equivalent

Zero

Zero

Zero



* A fee of $20.00 USD applies when funds are transferred to a domestic (U.S.) USD currency bank account by Wire transfer.

† A fee of $20.00 USD applies for cross border (international) non-local currency Wire transfers.

More Details.