According to the company, peer-to-peer transfers between X Money users are free.
Standard ACH withdrawals do not carry a fee, while instant debit card withdrawals attract a 1.75% charge with a minimum fee of $0.25.
Premium subscribers receive a limited number of free domestic wire transfers each year, whereas Premium+ subscribers receive unlimited free domestic wires.
Standard mailed cheques are free, although expedited delivery carries an additional charge.