Xoom review

Xoom Review


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With Xoom, you can effortlessly send money to friends and family across the world, whether it’s directly to their bank account, mobile wallet, or debit card.

But what sets Xoom apart from its competitors?

In this comprehensive Xoom review, we’ll explore the distinctive features that make Xoom stand out, analyze its pros and cons, dive into user reviews, uncover the inner workings of the platform, and dissect international fees.

What is Xoom, and how is it Different?

Xoom allows users to send money to over 160 countries and has over 250 million customers. This means that users have more options and flexibility when sending money to friends and family abroad. Xoom has also partnered with reputable companies worldwide to provide its users with safe, affordable, and convenient money transfers. 

Recipients can have money deposited directly to their bank accounts or mobile wallets. They also have the option to pick up money transfers from designated points. However, these options vary from one country to another. 

The Xoom mobile app allows users to send money, pay bills, and fund prepaid phones from their Android or iOS mobile devices. You can use the app to check the status of all your transactions. Enabling push notifications ensures that you get automatic status updates once you initiate a transaction. 

Xoom also has transparent fees, which are displayed before a transaction is made. This ensures that the user knows exactly how much they will be paying in fees and the exchange rate, allowing them to make a more informed decision.

Since Xoom was acquired by PayPal in 2015, users can use their PayPal account to send money via Xoom. This allows users to use one service to transfer money and also use their PayPal account for other transactions, making it more convenient and streamlined. 

Pros and Cons of Xoom


  • Secure platform
  • Multiple money transfer and delivery options
  • Recipients don’t need to be Xoom users
  • Users can pick up cash or have it delivered to their preferred location
  • Low money transfer minimums


  • Money transfer limits
  • Poor exchange rates
  • Some users experience delays when transferring money 

Who is Xoom For?

Individuals use Xoom to send money to friends and family living in other countries. This is particularly useful for immigrants and expatriates who need to send money to overseas accounts. 

Xoom also allows users to pay international bills which is useful for people living overseas who need to support their friends or family back home. 

The platform offers a lot of convenience and flexibility, especially regarding international money transactions. PayPal, which owns Xoom, puts the reputation and power of a big and reputable international brand behind this service. 

Xoom’s money transfer service allows you to receive money via a digital wallet, bank account, mobile wallet, or debit card. 

Related post: Xoom vs Western Union.

How Does Xoom Work?

Sending money with Xoom is a simple process that can be done on a desktop or the Xoom mobile app. 

  • Go to the Xoom website or download the Xoom app and create an account. You will need to provide personal information, such as your name and email address, and set up a password.
  • Select the country where you want to send money from the list of countries Xoom supports. (Includes 130+ supported countries and over 30 currencies). 
  • Xoom offers several transfer methods, including bank deposit, cash pickup, and home delivery. Select the option that best suits your needs.
  • You will need to enter the recipient’s name and contact information, such as their phone number and address.
  • Enter the amount of money you want to send—Xoom will show you the fees and exchange rate for the transaction, so you can see exactly how much the recipient will receive.
  • To complete the transaction, you will need to add a funding source, such as a credit card or bank account.
  • Review all the details of the transaction and confirm the payment.

Most Xoom money transfers are processed within minutes, others can take longer because of the different financial intermediaries used. Users can get regular updates about the status of their money transfers via text and email. 

Is Xoom Safe and Legit?

Xoom is a digital money transfer service owned by PayPal, one of the most reputable and trusted companies in the financial industry. Xoom is registered with the U.S. Treasury Department’s Financial Crimes Enforcement Network (FinCEN) as a money services business and is licensed by state regulators in the United States.

The company uses various security measures to protect your personal and financial information, including encryption, secure servers, and fraud detection systems. They also offer buyer protection which guarantees a refund if the recipient does not receive the money transfer.

Furthermore, Xoom has an A+ rating with the Better Business Bureau (BBB), which indicates that it has a positive track record of addressing customer complaints and resolving issues. Overall, Xoom is a safe and legitimate option for sending and receiving money domestically and internationally.

What are Xoom’s Fees (for US customers)?

The Xoom fees for U.S. customers vary depending on certain factors. These factors include:

  • Type of transaction
  • Transaction amount
  • Source of the money

Xoom charges a 1% fee on all transactions below $1,000 and a $10 fee on transactions above $1,000. This is the standard payment fee sent from PayPal and a bank account. 

You may also incur an additional fee if you use a debit or credit card. You can use the online Xoom calculator for more accurate calculations. 

See our article Cash App Alternatives for Europe.

What are Xoom’s International Fees?

For international money transfers, the fees vary depending on the following factors:

  • Payment method used
  • Country of your recipient
  • The currency you choose for your recipient to receive

Xoom charges $2.99 for money transferred from bank accounts and PayPal and deposited directly into the recipient’s bank account. You will be charged $3.99 if the funds come from a credit or debit card. 

The fee for money collected in person by the recipient is $3.33, regardless of the payment method used. You can use the online Xoom calculator for more accurate calculations. 

If you want to convert your payment currency into another currency, Xoom will display the current exchange rate. Xoom converts all currencies at the exchange rate shown when sending money. 

The conversion rates change from time to time depending on the financial markets and the rates provided by the platform’s local partners. 

See our review of Cheapest International Transfers.

Xoom’s Customer Reviews

Xoom is one of the largest and most trusted money transfer services in the U.S. It gives users safe and secure money transfer options with the convenience of using their mobile phones and desktops. You can access Xoom via a web browser or the Xoom mobile app on Apple and Android devices. 

Xoom has a 3.0-star rating on Trustpilot with over 22,000 reviews. Most users have complained about long transfer times. Others have noticed that their money transfers get canceled unexpectedly.  

We also found that users have been disappointed with Xoom’s customer service. 

Xoom Alternatives

There are several alternatives to Xoom for making domestic and international money transfers. Some of the most popular alternatives include:

OFX OFX offers international money transfers to over 190 countries and users can send money for free. OFX also supports peer-to-peer money transfers, meaning you can send money to anyone through mobile networks or over the internet. 

Remitly One of Xoom’s biggest competitors. It supports international bank deposits, home delivery, and cash pickups. However, it also allows users to transfer money to mobile money accounts, thus allowing digital transfers between mobile phones.

Wise Wise enables you to use a debit card to make two free monthly withdrawals of up to $100. Moreover, Wise exchange rates are cheaper than Xoom’s—meaning users can pay less to send more money. 

See our articles: Xoom vs Wise and Xoom vs Western Union.


Xoom is a reputable and well-established digital money transfer service that allows users to send money and pay bills internationally. 

The service is available in over 130 countries with more than 30 currencies available which give users plenty of options. Whilst some experience delays in transfer times, people who are looking to pay bills and send money overseas can benefit from Xoom’s services. 


How can I send money with Xoom?

You can create an account on their website or mobile app. Next, enter the recipient’s information and the amount you wish to send.

What countries can I send money to with Xoom?

Xoom allows you to send money to over 130 countries, including popular destinations such as Mexico, India, the Philippines, and China.

How long does it take for the money to be delivered?

The delivery time can vary depending on the country and the selected method. In many cases, the money can be delivered in minutes, but in some cases, it may take up to 4 business days.

Are there any fees for using Xoom?

Xoom charges fees for its services, which can vary depending on the amount being sent, the recipient’s country and the delivery method selected. 

How can I track my transaction?

You can track your transaction by logging into your Xoom account. You will be able to see your transaction’s status, including when the money was sent, when it was delivered, and any relevant tracking information.

Is Xoom safe to use?

Xoom is regulated by financial authorities and uses industry-standard security measures to protect customers’ personal and financial information. 


  1. https://help.xoom.com/s/article/xoom-basics?language=en_US
  2. https://www.xoom.com/about
  3. https://help.xoom.com/s/article/when-will-my-money-get-there?language=en_US
  4. https://help.xoom.com/s/article/learn-about-the-xoom-app?language=en_US
  5. https://help.xoom.com/s/article/how-much-does-it-cost-to-send-with-xoom?language=en_US
  6. https://help.xoom.com/s/?language=en_US
  7. https://www.trustpilot.com/review/www.xoom.com
  8. https://newsroom.paypal-corp.com/2015-11-12-PayPal-Completes-Acquisition-of-Xoom#:~:text=In%20accordance%20with%20the%20terms,%2425%20per%20share%20in%20cash.
  9. https://www.xoom.com/money-transfer-fees
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