Xoom: a PayPal Service

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

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Xoom is a service of PayPal, Inc.

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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.

Compare Xoom to the competition

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.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1,000 1 day USD 0.00 0.896 EUR 4,481 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
GBP 1,000 1 - 2 days USD 0.00 0.896 EUR 4,481 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.
Go to site Show details
USD 1 1 - 2 days USD 0.00 0.901 EUR 4,506 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
USD 2,000 1 day USD 0.00 0.896 EUR 4,481 $0 transfer fees with rates at never more than a 2% markup. Go to site Show details
USD 0 1 - 2 days USD 1.99 0.887 EUR 4,434 Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
USD 1 1 - 2 days USD 40.00 0.905 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
EUR 1,000 1 - 2 days USD 10.00 0.896 EUR 4,472 Use TransferMate to help you send money to almost any country around the world for a small fee. Go to site Show details
USD 1 Within an hour USD 3.99 0.901 EUR 4,504 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Frequently asked questions about Xoom

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4 Responses

  1. Default Gravatar
    JimApril 21, 2019

    I am the recipient, how can I track my money?

    • Avatarfinder Customer Care
      JhezApril 22, 2019Staff

      Hello Jim,

      Thank you for your comment.

      Xoom, for the sender’s side, has 4 ways to track the transfer.
      -Text updates
      -Email updates
      -24/7 phone support
      -Web and mobile access

      Please advise your sender to give Xoom your email address, so you will be informed with the status of the transfer too. I hope this helps.


  2. Default Gravatar
    MickeyFebruary 5, 2019

    I want to send to Cambodia money from my debit card and receive almost immediately and as cheap as possible

    • Avatarfinder Customer Care
      JeniFebruary 15, 2019Staff

      Hi Mickey,

      Thank you for getting in touch with finder.

      If you consider sending money to Cambodia via Xoom, you may do so. As per Xoom’s official page, your recipient can pick up cash at ABA Bank and Sacombank in Cambodia. Please make sure that your recipient has a valid ID and the Xoom transaction number.

      You may also check out this page to learn ways on how you may send money to Cambodia the cheaper and faster way.

      I hope this helps.

      Thank you and have a wonderful day!


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