Five times I tried to send money to India and each time at the point of Card Authentication the message came that I had to contact my bank. I did and the bank told me that not one of my attempts had reached the bank. I phoned XE and an agent took a block off my card but it still did not work. While holding on the line from the agent was disconnected and the Agent did not phone me back. Why do I keep on using XE? The website has too many issues.