Xoom International Money Transfers Comparison

Information verified correct on January 21st, 2017

Enjoy fast and stress-free transfers to 38 countries around the world with Xoom

Xoom money transfers

Xoom offers a range of competitive online international money transfer services to customers in the United States and around the world. With the ability to send funds to 38 countries and to complete your transactions online, Xoom makes international money transfers simple and convenient. With several payment options available and competitive exchange rates, Xoom offers a cost-effective way to send your money overseas.

Who is Xoom?

Xoom is a leading provider of digital money transfer services. Whether you need to pay a bill internationally or send money to family or friends overseas, Xoom can help. It boasts around 1.2 million customers around the globe who collectively sent around $6.9 billion with Xoom in 2014.  With headquarters in San Francisco, Xoom offers transfers to 38 countries.

The most popular transfer destinations for funds sent from the US are:

  • Mexico
  • Latin America (excluding Mexico)
  • China
  • India
  • Pakistan

How can you send money overseas with Xoom?

Sending money overseas with Xoom is easy and the first step in the process is to sign up for a Xoom account. This is quick, easy and free to do, which requires you to provide personal details such as your name and email address.

You can then enter your recipient’s information, including their name, address, country, phone number and bank account details, before entering your payment information. Next, you can pay for your transfer using your credit card, debit card or bank account.

You’ll then be able to review the details of your transaction, including the exchange rate and transfer fee that will apply. If you’re happy with all the specifics, you can then send your funds.

The way in which your recipient can receive the funds will depend on where they live. Xoom offers three receiving options – cash pickup, bank deposit and home delivery – and at least one of these options is available in each of the 38 countries Xoom services.

The processing time for transactions depends on where you are sending your money, how you pay for the transfer and the delivery method you select. You can track your transfer online, and some transfers can be processed within minutes.

Xoom will send out an email notification when your funds have arrived.
Get a step-by-step walkthrough of doing a money transfer through Xoom

Pros and cons of using Xoom


  • Dedicated money transfer service. Xoom specializes in handling international money transfers and doesn’t spread its resources across a wide range of financial products and services.
  • Trusted provider. With 14 years of experience, servicing more than one million customers and having handled nearly $6.9 billion worth of transactions in 2014, Xoom has plenty of experience when it comes to international money transfers.
  • Money-back guarantee. Xoom offers a money-back guarantee to refund your transaction in full if the money you send doesn’t arrive to your recipient.


  • Not worldwide. There are other money transfer providers that service larger international networks than Xoom.

What other products does Xoom offer?

  • Reload phones. Xoom allows you to reload the phones of friends and family members in more than 20 countries around the world.
  • Pay bills. Xoom’s bill paying service makes it easy to pay any bills from within the United States.

Looking for an alternative? Check out these services similar to Xoom.

Frequently asked questions

Which countries can I send money to using Xoom?

Xoom offers transfers to the following countries: Argentina, Australia, Austria, Belgium, Bolivia, Brazil, Canada, Chile, China, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, France, Germany, Greece, Guatemala, Honduras, Hong Kong, India, Ireland, Italy, Jamaica, Mexico, Netherlands, Nicaragua, Pakistan, Panama, Peru, the Philippines, Poland, Portugal, Spain, Sri Lanka, the United Kingdom, Uruguay, and Vietnam.

What are the options for receiving cash in Mexico?

Xoom makes it possible for you to deposit the funds directly into your recipient’s bank account or make the funds available for pickup from an agent location.

How much does it cost to send a money transfer?

The fees that apply to your transfer will vary depending on where you send your money and how you pay for your transaction. Paying for your transfer from your US bank account entitles you to Xoom’s lowest transfer fees, with charges a little bit higher when you pay with your credit or debit card. To give you an idea of the costs involved, sending $1,000 to Mexico from your bank account will only incur a fee of $4.99, but paying with a credit or debit card will set you back $24.99.

Is there a limit on how much money I can send?

Yes. As soon as you sign up for Xoom you are allowed to send up to $2,999 every 24 hours, up to a maximum of $6,000 in a 30-day period and $9,999 in a 180-day period. While every Xoom transaction is capped at $2,999, you can increase your 30-day and 180-day limits by providing additional information. Keep in mind that specific transfer limits may apply to certain countries.

Can I schedule a money transfer in advance?

Yes. Xoom offers a variety of scheduling options to allow you to set up future transfers and recurring transactions.

Is my money secure with Xoom?

Xoom uses 128-bit encryption to ensure the safety of your funds and your personal details.

When you need to send an international money transfer from the United States, Xoom can make the transfer process simple and stress-free. However, you should always compare a range of transfer options before deciding on the provider to handle your cross-border money transaction.

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