Xoom fast, easy intenational money transfers | finder.com
Xoom money transfers

Xoom: a PayPal Service

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

A fast, easy way to send funds, reload phones and pay bills across the world

Xoom lets you send funds to 70 countries online, making international money transfers simple and convenient. Take advantage of Xoom’s other services and pay utility bills in 10 different countries, or reload the mobile phone of a friend or loved one overseas.

Try PayPal’s trusted money transfer service

Owned by PayPal, Xoom is an international money transfer service. Xoom lets you send to cash pickup, bank deposit and home delivery, depending on where you’re sending money.

Xoom is best for:

  • Several types of transfers. Top-up phones, pay international bills or just send money to a loved one.
  • Quick funding. Money can arrive instantly depending on what you choose to pay with and how it’s delivered.
  • Easy process. Signing up takes no time at all, and sending money is just as simple.

How much does it cost to transfer money with Xoom?

Fees vary depending on a range of factors, including how you pay for your transfer, where you’re sending your funds, and the amount of money you send. You’ll get lower fees when you pay using your bank account.

Xoom exchange rates

Xoom sets the exchange rates that apply to its money transfers based on international markets, and updates these rates multiple times throughout the day. You can confirm Xoom’s exchange rates at any point using its online Fees and Exchange Rate Calculator.

What types of transfers can I make with Xoom?

With Xoom you can easily:

  • Transfer funds. Send money to people in 70 countries.
  • Purchase instant top-ups. Reload prepaid phones in 35 countries.
  • Pay bills. International bills can be paid in 8 countries.

Available countries and currencies

Xoom offers transfers to 70 countries. Currencies will vary based on the country of the recipient, but all transfers are paid for in US dollars. Some popular transfer destinations for funds sent from the US are:

  • Latin America and Mexico
  • China
  • India
  • Pakistan
Looking for an alternative? Check out these services similar to Xoom.

Are there any transfer limits?

As little as $10 and up to $10,000 can be sent per transaction. Your upper limit may vary based on delivery method and destination, among other factors. The hard and fast limits are:

  • $10,000 per transaction
  • $10,000 per 24-hours
  • $25,000 per 30 days
  • $60,000 per 180 days

How do I send money overseas with Xoom?

While you don’t necessarily need a PayPal account to use Xoom, you will need a Xoom account. Sign up is fast, and should take under five minutes. Once you’re logged in, simply follow these steps:

  1. Click Send Money and fill out the amount you want to send, where you want to send it, how you want it delivered and how you want to pay.
  2. Enter in your recipient’s information, including their name, address, email and phone number. Choose where it’s delivered or provide your recipient’s bank information.
  3. Provide your payment information.
  4. Review the transfer and confirm.

What is Xoom?

Xoom is a leading provider of digital money transfer services, currently headquartered in San Francisco. Whether you need to pay a bill internationally or send money to family or friends overseas, Xoom can help. With 1.2 million customers worldwide and $7 billion in transactions in 2014, Xoom is a leading provider that makes sending money across Europe, South America, Central America and Asia easy and hassle-free.

What do customers say about Xoom?

Xoom is accredited with the Better Business Bureau (BBB) and holds the rank of A+. The composite score as of this writing is 3.89 out of 5, and is based on both the rank and customer reviews submitted to the BBB.

How does Xoom protect my money?

Protecting your identity is a top priority at Xoom. With more than 1 million clients, Xoom has a proven track record when it comes to keeping your info secure.

  • 128-bit encryption. Xoom protects all information moving between your browser and its servers.
  • Accountability. Its parent company is PayPal, a publicly traded company.
  • Money-back guarantee. Xoom offers a full refund if your money isn’t received.
  • Updates. Track your transfer online and receive text or email notifications on its progress.
  • Highly rated. Xoom received an A+ rating from the Better Business Bureau and is certified by TRUSTe.

How do I report suspicious activity to Xoom?

Xoom will never email you to confirm passwords, transaction details or personal information. If you are the recipient of an email from someone claiming to be Xoom, do not respond. If you’re wary about an email or phone call, forward the email to reportfraud@xoom.com or call 800- 935-7154.

Customer service

You can contact Xoom customer service by phone number at 1-877-815-1531, or by email. An online Help Center is also available, and has an extensive FAQ that may answer your questions.

See how other services compare to Xoom

Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds overseas with our money transfer partners.

I want to send


Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$0 3 - 5 days USD 0.00 0.857 EUR 4,284 Transfer up to $500,000 with no minimums and no fees. Go to site Show details
USD 1,000 1 day USD 0.00 0.856 EUR 4,282 Exclusive offer: $0 transfer fee
No-limit transfers with competitive exchange rates for 100+ currencies.
Go to site Show details
USD 1 Within an hour USD 3.99 0.856 EUR 4,279 Use promo code FINDER to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
USD 1 3 - 5 days USD 50.00 0.864 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
GBP 5,000 1 - 2 days USD 0.00 0.856 EUR 4,278 Get live quotes on exchange rates and take advantage of no transaction fees with no limits on transfers. Go to site Show details

Compare up to 4 providers

Frequently asked questions about Xoom

Kelly Waggoner

Kelly Waggoner is a senior editor with finder.com. She's worked with publishers, magazines and nonprofits throughout New York City, including ghostwriting a how-to on copyediting for the Dummies series. Between projects, she toys with words, flips through style guides and fantasizes about the serial comma's world domination.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

US International Money Transfers Offers

Important Information*
XE Money Transfer

Transfer up to $500,000 with no minimums and no fees.

WorldRemit International Money Transfers

Use promo code FINDER to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

World First Foreign Exchange

Exclusive offer: $0 transfer fee
No-limit transfers with competitive exchange rates for 100+ currencies.

TransferWise International Money Transfers

Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

Go to site