XE Money Transfer Review (XE.COM)

This XE Money Transfer review is intended to explain the pros and cons of using this company for both private and corporate international money transfers. We focus on the important aspects like fees and exchange rates, the quality of the online trading platform, and the level of service provided. XE Money Transfer as we know it today is a merger of Xe.com and HiFX that took place in 2019.

📝 XE is not among one of the top 10 money transfer companies for August 2021 on Money Transfer Comparison’s rating. While XE is a well known company in this space, we encourage you to have a look at XE recommended alternatives here.
Logoxe logo
🏛️ Established1993. Owned by Euronet since July, 2015. Merged with HiFX since January, 2019.
🌎 International Clients✓ Internationally
💱 Currencies Offered98 Currencies. Full list available on website.
💷 Minimum TransferNo set minimum
📲 Trading viaWebsite platform or mobile app
🏢 Offices InUK, Canada, US,Australia and New Zealand
⚖️ Regulation

✓ XE Money Transfer for european based individuals is now provided by HiFX Europe Limited, regulated by the FCA as an Authorised Payment Provider.

✓ Following Brexit, XE Money Transfer for European Union based individuals is now provided by Xe Europe B.V., supervised by the Netherlands Central Bank for the provision of payment services.

✓ HiFX is also regulated in Canada, Australia and New Zealand where the rebrand to XE money transfer similarly applies.

🤯 FeesNo Fees Worldwide. Exchange rate depends on volume/currencies.
Promotional CodeNone
👨‍👩‍👧‍👦 Client Reviews
Over 53,000 reviews on TrustPilot
⭐ Client RatingApproximately 96% positive feedback. Prior to merger with HiFX, XE had around 70% positive feedback.
ℹ️ Websitewww.xe.com
🏆 AwardsNone
👍 Advantages

Since 1993

Ultra-Accurate Currency Quotes

Owned by Industry Giant Euronet Worldwide

Now provided by HiFX, fully regulated in all jurisdictions present

👎 Disadvantages

Poor app functionality as it stands

No Industry Awards or Recognition (for Money Transfers)

Not easy to find customer service contact details


Our Rating: Pending

Status: Not In MTC’s Most Recommended List

 View Why This Review is Pending


Our Top Rated Alternatives

Unsatisfied about the currency exchange rate XE money transfer offered you? Find XE money transfer alternatives:

Currencies Direct
  • Min Transfer: £/€/$ 100
  • Currencies Supported: 39
  • Offices : UK, EU, USA, India, South Africa.
  • Our Rating : 97.8%
  • Most Global Offices and Reach

    No Fees from Anywhere

    96% Client Satisfaction
TorFX
  • Min Transfer: £/€ 100
  • Currencies Supported: 40
  • Offices : UK, EU, Singapore, and Australia.
  • Our Rating : 93.4%
  • Extremely Tailored Service

    MoneyFact's Best Provider Award

    Diverse Hedging Options
moneycorp
  • Min Transfer: £/€/$ 50
  • Currencies Supported: 120
  • Offices : UK, EU, Australia, USA, HK, UAE, and South America.
  • Our Rating : 92.8%
  • Extremely Tailored Service

    Industry Veteran since 1979

    Diverse Hedging Options

 

Before you read the full review – learn more 

XE Money Transfer FAQ

 Are XE and HiFX the same business?

Yes, when Euronet acquired both XE and HiFX they merged the two firms. HiFX now trades under the XE brand.

 Is XE suitable for private clients?

Yes, XE can be used by private clients but the private solution is predominantly online. Individuals looking to speak with an account manager and trade over the telephone should consider Currencies Direct.

 What are XE’s strengths against its competitors?

XE’s brand is definitely its strong point – as a global leader in exchange rate information it has leveraged its position to offer money transfers too.

 What are XE’s weaknesses against its competitors?

Customer service is not considered as strong as when the firm was operating as HiFX, at least based on recent client reviews on Money Transfer Comparison and other client review sites. Some users have also complained that the spreads are not as competitive as they used to be, driving the cost of the transfer up. Transparent spreads and fees can be found with WorldFirst.

If you are an existing XE money transfer client and would like to close down your XE account – read this manual.

Wise vs XE: How the Two Compare?

Wise (formerly TransferWise) vs XE pits two of the biggest brands in the FX space against each other. Although, as we’ve already touched on, XE originally reached fame for its foreign exchange data services as opposed to its money transfer capabilities. What’s more, the benefits to using XE have been largely driven by their merger with HiFX as opposed to its ability to provide foreign exchange data. It’s also worth noting that most of XE’s selling points are only accessible to corporate clients.

The ability to trade options and receive dedicated dealer guidance through XE is not available to private clients. XE’s private offering has much more of a digital focus and for readers who are interested in going down the digital route then Wise (TransferWise) is likely to be the better bet. Its super simple interface and low costs make it a great option for spot transfers (i.e. payments initiated at the time of booking). 

As a private client, it is possible to speak with a customer service rep through both firms but expect long hold times. Wise prefers to steer customers to the online chat in the first instance, whilst locating the email and telephone contact channels through XE proves difficult.For businesses or individuals who want to run balances in multiple currencies then the Wise borderless account is certainly worth a mention. Its multi-currency digital bank account allows customers to send and receive payments into digital bank accounts. XE has no similar competing product. So the question of TransferWise vs XE really depends on what a clients’ requirements are.


Read Full Review Below:

Company Information and Credibility


Company Size:  

XE.com, which was established in 1993 in Ontario, Canada, is one of the Internet’s first currency exchange rate providers. Nowadays, there are hundreds of websites offering up-to-date information (we also have our own foreign currency rates section), but back when XE was established, there were none.

Between 1993 and 2002, together with the popularization of the Internet, XE.com became a synonym for everything currency related. It created a variety of tools, graphs, and APIs that many companies were happy to pay a monthly retainer in order to gain access.

In 2002 XE started XE Trade, an online international money transfer service. While it is still selling currency data packages to companies, this has supposedly become the company’s main revenue stream. Since 2002, XE Trade Money Transfers has processed billions in global payments and has served thousands of businesses and individuals.

In July 2015 XE.com was bought by Euronet, the owners of HiFX and Ria money transfer (among others). The company employed 20-30 staff in Canada prior to the purchase and is now estimated to have around 350 employees in 2021. Last year the Euronet group processed over $115 billion in transfer volumes – a staggering amount and we’d be interested to see how much XE has transferred itself.

Current 2021 statistics about XE’s parent company, EuroNet Worldwide, based on their 2020 Annual Report:

  • More than 8,000 employees.
  • More than 45,000 operated ATMs.
  • More than 340,000 Point of Sale Terminals.
  • Prepaid Processing of almost 750,000 POS terminals.
  • Revenue of 2.43bn USD with profit of 302m USD in the 2020 financial year.
  • Optimistic about the outlook for next year.
  • Money transfers were a major money maker for EuroNet in 2020 with good margins and strong growth, with their brands Ria and XE Money Transfer.

Regulated By: 

XE Money Transfer, now provided by HiFX, is regulated in the UK, Europe, Australia, Canada and New Zealand. Adding to XE’s existing licenses in the US.

Following the loss of EU financial passporting rights for the UK, XE Money Transfer for European Union based individuals is now provided by Xe Europe B.V. which is supervised by the Netherlands Central Bank for the provision of payment services.

In its younger years and prior to using HiFX as their payment provider (as part of the acquisition by Euronet Worldwide), XE worked with Western Union. Which is also, of course, fully regulated, being the largest non-bank money transmitter in the world.

XE’s Announcement on Moving to HiFX in 2016:

xehifx

XE Money update as of January 2019:


Conclusion: 

XE.com is a well-established player on the foreign exchange scene and is a trustworthy choice considering how long it has been operating. It is extremely well-known as the world’s currency authority (Its motto is “The World’s Trusted Currency Authority”).

Since 2016, XE Money Transfer has been delivered by HiFX who are regulated by the FCA in the UK and all relevant regulators in the jurisdictions it operates. This is preferable to the previous set up where customers of XE would be reliant on XE.com choosing the right outsourced FX partner to provide a white-labelled service for their transfers. However, even despite the move, XE is still not listed as one of the best money transfer companies to provide the service.



Client Feedback


Research:

As of 2021, there are over 45,000 TrustPilot reviews which are 96% positive. With the strong XE brand, usage of the service and indeed the number of reviews appear much higher than before, perhaps incorporating HiFX reviews too. Even within the last year, the company has amassed an additional 10,000 reviews.

For the sake of comparison, a company like TorFX has around 4,000 verified reviews on TrustPilot.


Positive:
Clients who loved XE Money Transfer (formerly XE Trade) said the following:

  • They like to stick to the bigger, better-known brands
  • Rates were excellent
  • Service is safe to use
  • The transaction went smoothly
Negative:
Dissatisfied clients have reported the following faults:

  • Some clients complaining that the online system is not as easy to use as before
  • Rates appear to have been raised for some HiFX clients since the migration to XE
  • Some trades are taking too long to go through
  • Clients are not forwarded to the managers if they want to speak to a higher authority within the company
  • Clients receive less money than they anticipated
  • Client support is outsourced and non-professional
  • At times, rates are worse than banks

Conclusion:

Just over 2% of the XE reviews we have discovered online are negative, detailing a number of reasons for their poor rating: non-responsive staff, poor rates, and a tricky online platform. This means there are around 1000 bad reviews, which is certainly a significant amount and means XE has more bad reviews than virtually all other money transfer companies on the market.

On the flip side, we also have to consider that with 44,000 positive reviews, XE has more positive reviews than virtually all other money transfer companies. The 96% of positive reviews we have found online shows that on a percentage basis XE is pretty much in line with the top performing money transfer companies that usually have between 95%-99% positive reviews. . The positive reviewers are extremely satisfied with the service they have received, the rates, and every other aspect. The positive XE reviews really like the speed and ease in which transfers are made,

It’s worth noting that there are additional reviews in the comments section of our very own XE review. These are non-verified clients but it has to be said the vast majority of them are negative, most of the comments are reporting significant delays with their transfers.  



Exchange Rates & Fees


Fees: XE proudly states they do not charge any fixed fees per transfer. Prior to 2017, this information was not mentioned on XE.com, so the firm has perhaps changed its fee structure or just chose to opt for more transparency than before.

Exchange rates: As XE does not charge payment fees, it generates its revenue from the FX spread it charges clients. The exchange rates in which XE.com uses are not visible on the website. You have to register and sign in to the online system, or speak to a phone representative, to get the current rates. These rates depend on the currencies and the volume of trading.

If we were to look into the 100+ XE reviews that were collated on our website, we can see mixed opinions about the exchange rates used by XE. One user comment from Jan 17, 2018, mentions a 1% margin “below the bank rate” (we suppose that’s the interbank rate that the reader is referring to). That is somewhat average for the industry, although it really depends on the volumes sent and currencies involved. Another user comment from 2020 simply states “I have used them before and I wasn’t happy with the rates”.

Limits: Not specified on the website.

XE Business Model and Ownership:

Euronet Worldwide Inc. (Nasdaq: EEFT) is a large money transfer company worth US$4 billion by market capitalisation and handling over $115 billion in cash per year across 155 countries. Euronet acquired XE.com in a cash and shares deal worth around $100 million. Once Euronet owned both HiFX and XE.com it made the decision to remove Western Union as XE’s money transfer provider and utilise the in-group capabilities of HiFX.

Established in 1998, HiFX was one of the first non-bank currency brokers to be established and was a well-known global provider of foreign exchange for many years. The Euronet takeover allowed XE.com’s online brand to be matched with HiFX’s reputation and market position. The improvement in customer feedback since XE has been run by HiFX indicates it was the right decision by Euronet to merge the two brands.

XE earns revenue from two services tied to currency exchange rates: currency data and international payments. XE earns subscription-based fees for delivering global currency exchange rate data through its proprietary currency data API. XE then earns transaction-based revenue from XE Money Transfers, its online international payments service made available to businesses and consumers through the HiFX team who have now rebranded to XE Money Transfers too.


Conclusion: 

We could not determine whether XE rates are better than their competitors, on par, or worse, due to mixed client opinions.



Global Reach & Service


Research:

  • Dedicated Dealer: Yes (HiFX dealer).
  • Offices: UK, Spain, Canada, Australia, New Zealand
  • Ways to Approach: Telephone, online and via email.
  • Translations: No.
  • Accepts Clients: Worldwide.
  • Currencies Handled: 98+.
  • Client Reviews: Nearly all positive post HiFX rebrand

Conclusion:

Now that XE is beginning to use the payment capabilities of another Euronet company, Ria Money Transfer, they’ve been able to drastically improve their remittance offering, i.e. private client transfers to low and middle income countries. As of late 2020 and early 2021, XE has announced new payment channels through their partner Ria are being used for payments to a number of countries, including:

  • Bhutan
  • Chile
  • Columbia
  • Costa Rica
  • Domincan Republic
  • The Gambia
  • Guatemala
  • India
  • Mozambique
  • Nepal
  • Paraguay
  • Philippines
  • Rwanda
  • Sri Lanka
  • Tanzania
  • Uganda
  • Uruguay
  • Vietnam

The XE Money Transfer service accepts clients internationally with no real limitations. Their main focus is on clients from North America, Australia-NZ, the EU, and the UK. There are different pages on the Money Transfer section on XE.com devoted to people from these different locales but the content is highly similar between these different locations. The primary difference is the end-user agreement depending on which region the client is based in.

Since HiFX came under the XE name it means XE is in the UK, Spain, Australia and New Zealand in addition to their original office in Canada.  This is a marked improvement from before when it was just Canada in which it held an office, and is a fairly consistent map of coverage that’s in line with the biggest providers in the market today. For the sake of comparison, its highly-rated competitor Currencies Direct boasts offices in 4 continents, with 7 functioning offices in total.

By now adding Ria money transfer payment capabilities, XE combines the benefits a traditional currency brokerage such as HiFX can provide, with the extensive payment network across the globe that a large remittance company such as Ria can provide. The result should be quite exciting for customers, leaving them confident that XE is no longer just for payments between the major currency corridors.



Additional Functionalities

XE.com is arguably the best online currency exchange calculator and has everything relating to this aspect – historical currency rates, currency charts, rate alerts, currency exchange apps, API’s, and more. All of the aforementioned services are great but fall outside the realm of making an international money transfer.

Within international money transfers, however, XE offers the following: options, forward contracts, regular payments, mass payments, an online trading system and of course spot transactions. Like most FX  transfer options are only available to corporate clients. Xe is also one of the few brokers that can offer credit lines to corporate customers. In fact it can grant credit facilities for up to 5 years, meaning clients may not have to provide a deposit for every forward or options contract they book. Corporate FX customers can also process mass payments via API.

Conclusion:

For private clients, the XE Trade online system is similar in function to Transferwise and Currencyfair. You can use the online system to move money from point A to point B with no trouble.

The suite of products available to corporate clients is comprehensive and clearly evident the value that HiFX has brought to XE. Specialist market intelligence and a dedicated team that can discuss bespoke FX risk management strategies is just what we expect from a large money transfer brand. Much like the corporate services provided by Moneycorp and Global Reach Partners.

Review Summary

Bottom Line

 XE is one of the biggest brands in this space and its parent company Euronet is a payments juggernaut. 

XE has some of the highest number of client reviews of any money transfer company in existence today. This can be looked at twofold – the firm has more negative reviews than can be found elsewhere but it also has more positive reviews than can be found elsewhere. Overall, a 96% satisfaction score is good – it’s not the strongest in the industry (Key Currency for example has 98% positive reviews) but it’s certainly not the weakest either.

Given that the private offering is largely online, private clients may prefer the better exchange rates offered by the online-only service by Wise or the benefits of both a good online trading platform and telephone trading service offered by Currencies Direct. For private clients, we do get the sense that XE gets a little caught between being a traditional currency broker and an online-focused digital money transfer company.

Corporates will enjoy the comprehensive suite of payment options, as well as the regular flow of market intelligence and the experience of XE (formerly HiFX) staff. XE’s ability to offer credit lines will also appeal and shows how a money transfer company that’s as large as XE can start to compete with a bank-level offering.

Readers who are keen to use a money transfer company that has been verified and approved by us can use the button below to discover the top recommended companies on our website.

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Karwan
4 years ago

Avoid them , I’m a British citizen originally from Kurdistan north Iraq , I was on holiday in Kurdistan and I was going to turkey from Iraq , I’ve transferred some money from my pounds account to my USD Citibank account. They ask me to send them a bank statement and price of income so I did , I’m a self employed, they have hold my money they keep playing with me , I cancelled it but they don’t want to return my money they keep telling me we can’t give you a time when we have an update we… Read more »

Ryno Terblanche
4 years ago

Terrible service. I’ve been asked too many times to prove who I am, even though I’ve been using this service for over ten years! See ya xe trade

M Walji
4 years ago

Disgusting and very unprofessional . Website shows a rate and they quickly take your money then they start their nonsense with demanding more and more documents. Eventually they start fibbing you off a week later still no transfer and still no refund. Then they demand a large deduction of fees if you cancel. Damned if you cancel and damned if you dont because they will not transfer. Its a scam organisation FCA should close them down i still have not had my refund or my transfer and its over a week. All calls are simply given a standard reply someone… Read more »

Dave
3 years ago

xe.com agreed to convert USD6024.75 to CAD7500 for me. They took the USD6024.75 out of my USD bank account, and never deposited the CAD7500 to my CAD bank account. Instead they sent me an email saying that they decided to cancel the transaction and close my account. When I asked them to send me back the USD6024.75 they took, they told me to contact my bank to get my money back. My bank says I need to tell xe.com to send me my money back. Xe.com is refusing to send me my money back. When I called on the phone… Read more »

Chris Corfman
4 years ago

I send money from the US to the Euro Zone every so often to purchase musical instruments. I’ve never had a problem with fx.com. The rates have almost always been the same as the bid, and very close to the actual exchange rate. Once there was an additional small charge, I think from a bank.

I’ve never had a problem with support; on the contrary, the support has always been very quick and helpful.

Transfers take a few days or a week. My experience is that security and verification is taken very seriously.

Vickie
3 years ago

Excellent article. I’m going through many of these issues as well..

Jon Smith
3 years ago

I’ve been using Xe for 5 years now. I’ve got winter home in Arizona. It did seem like there was a bit of a hiccup when they switched over a year ago. I had to reconfirm my ID. But I haven’t had any problems in the last six months. Always get a good deal. It’s usually, below 1% the bank’s rate.

Anna
3 years ago

I started using them in 2003 , have done about 25 transactions since. I have always been content with the service. I have transferred in both directions from CAD to EUR and vice versa and it never took longer than 2 days to receive the money. The exchange rate was close to fx rate and much better than what my bank was offering and no fees. I will keep using them.

Marcel
3 years ago

I registered with XE in order to compare the costs involved in transferring a gift from my parents. It turns out that what was happening all along is, I authorised a trade, for which now I am charged more than £700. Whilst there were boxes to tick and emails, I do not remember anywhere the warning that this is a live trade. Will never use them again. M

Alex
2 years ago

I started the registration process, but they were asking for very sensitive info such as social security number, driver’s license, besides address, phone number, and email address. I did not registered as a result of these questions. I use Xoom and they never asked for social security or drivers licence. What if one gives them all your personal info and somebody hacks their systems? Too risky!

Silvia Diaz de Laspra Morales
1 year ago

BEWARE OF THIS COMPANY AND NEVER EVER USE IT. I tried making a transfer of 10,000$ from the US to Spain. The account details they gave me were inaccurate and I was unable to transfer them the funds. I contacted customer support, and I can confirm they are slow and unprofessional. It takes more than 20 minutes for them to pick up the phone, and this is money you are paying for making an international phone call in case you are not located in the UK. They couldn’t tell me why I was being unable to transfer the money, and… Read more »

Arfana Sallman
4 years ago

Im very pleased how XE handled it in a timely manner.
Contacted me few minutes after, authorized the transfer and sent me an email confirmation.

I see it as honest company.

Sally Aquilina
4 years ago

I used xe for 2x transactions, and won’t be anymore. I am transferring savings from Australia for a house deposit in Ireland. I’m not in a huge rush on this, so xe’s limit trades looked great, and I didn’t look much further after that. In August I transferred$10,000. The wire and EFT options had fees, so I chose the draft option. I assumed the cheque arriving would be local, and I had checked the rates with my bank re cheque deposits. All the while assuming the cheque would come from a UK or Eu bank. It came from bank of… Read more »

Ishaq
4 years ago

I ask a simply question that I’m living in north Cyprus and my home country is Pakistan so can I send money by Xe to pakistan???
Plzzzz reply me is must.

Ali
4 years ago

Very funny we have been told in 4 days benificiary will receive funds in Pakistan. It is our contractor invoice amount he has to pay his employees.but today is 5th day. And customer service audacity is praiseworthy saying same line as parrot – pls check with your bank and when we asked MT 103 or any other code which we can be given to our bank as international payment reference number, we got reply we will check with our bank and then no reply. how come a money transfer service does not have any substantial proof to produce apart from… Read more »

Carlos
3 years ago

I wish i had seen this before starting this transaction. I asked to transfer £800 into a family member’s account in Ghana for arrangements for my mum’s funeral celebrations. I got an email saying i need to send some documents to prove who i am and where the funds were coming from. I have done that and then now they come back to me saying because i used the business account which i am the director they cannot go on with the transaction. I then asked the guy on the phone to cancell the transaction and send my money back… Read more »

eugen
3 years ago

I tryed to send some money using this site 10 days ago, and the transfer not arrived yet.
They are keep saying that they have send the money, and they keep doing investiogation with their bank.

I`m not sure if I will ever get my money back.

This is just a scam.

Mia Anderson
3 years ago

Today I completed by 4th dealing with XE, paying in Euro and sending Canadian dollars to my son who is studying in Ontario. First deal 16k CAD; 2nd 7.1k CAD; 3rd and fourth 2.2k CAD. Each time without a hitch. Their transfers have always completed on the date that XE has quoted. No additional fees. Better exchange rate than my bank or OFX. Initially I had to resend identification proof, as what I had originally sent was insufficient but once that was established there were no further issues. I hope I continue to have such positive experience with XE for… Read more »

SSms
3 years ago

Even though the web is set up to completely trash XE Money Transfers.., I used them for the first time recently and had absolutely NO issues. It was a flawless transaction. They charged be no fees.., just 3 beeps on my end.., so an all out cost of about $9 US. Compared to other sites.., and ESPECIALLY compared to a FLIPPIN BANK.., who get you with ludicrous upfront costs of up to $40.., then they ding the hell out of you on the conversion and take another 6 points. NO FLIPPIN WAY!! It was easy.., and fast.. took less than… Read more »

Guenther T.
3 years ago

I’m a new customer with XE and didn’t quite read all the documentation ahead of time and missed that they are now a UK based company. A consequence of that (or the patriot act?) is, that EU citicens need to transfer their funds to a bank in the UK (which I only realized after I initiated the first transaction). This is inconvenient for me, as I wanted to transfer funds from the USA. I called them up and we discussed the dilemma and my options and in the end they cancelled the transaction in my behalf at no cost for… Read more »

Rod
3 years ago

I am still waiting for my money to be transferred. My recipient has not received the funds and it is already 6 months gone by – Oct 2017. They are not trustworthy. If Xe read this, please refund my money.
It’s like I’ve been robbed legally.
I’ve called numerous time, to no avail, they always tell me to wait 30 days for an answer. Sounds like a brilliant 419 scam.

Mike
3 years ago

WORST COMPANY EVER!!! I had set up an account thinking I was all good to go, then all of the sudden they blocked my account, for NO REASON. Their excuse was that “they had some concerns” non of which could be validated. Long story short, I was not able to transfer money and lost on the exchange rate because they could not get their act together. INCOMPETENT TEAM and COMPANY.

Guibfyjbfg
2 years ago

the whole thing and I mean it who is the client is the client and the per diem for a few minutes and I will send the money to work on the client to get a few things done and I will be there at learning to be there at learning to be there at learning to be there by to work for me to come by to see you joined yesterday but

Daphne 1999
9 months ago

I have used them before and I wasn’t happy with the rates

roobarbie
9 months ago

Read most of these comments and it confirmed my suspicion before I decided to enter or not enter Xe’s promised wonderland. No transfer fee suggests to me that they are making money elsewhere, and how would they do it, without holding your money for far too long and doing currency exchanges for their benefit first. Of course they make hefty charges if you try to get your own money back. Don’t ever trust cowboys that promise the stars, and do not expect a free meal and a charges free transfer. The world is full of crooks.

Last edited 9 months ago by roobarbie
Dominika Schmidt
9 months ago

I have been trying to send a money transfer btw US and OK… after over two weeks wait I still didn’t get the money in the UK account and no one knows where the funds are.  
They happily took money from my US account and now I’m trying to contact them several times and besides being on hold, nothing happens, no one answers the call. They also don’t answer to email. 
Bunch of crooks – stay away!!!!