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Xoom international money transfer review

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Track your transfers to know exactly when your money arrives.’s rating: 3.75 / 5.0


How’d we get our score?

Fees & rates: 3.0 / 5.0
Speed: 4.0 / 5.0
Services: 3.0 / 5.0
User experience: 5.0 / 5.0

Xoom offers low fees and a money-back guarantee that your recipient will receive your funds, but the service isn’t available in every country.

USD 10

Min. Transfer Amount

USD 10,000

Max. Transfer Amount

Within an hour

Transfer Speed


Product NameXoom International Money Transfers
Min. Transfer AmountUSD 10
Max. Transfer AmountUSD 10,000
Transfer MethodsOnline, Bank Account to Bank Account
Transfer Speed
Minimum transfer time
Within an hour
Customer ServicePhone, Email
Online Transfer FeeUSD 0
Phone Transfer FeeUSD 0

Our experience transferring money with Xoom

Here’s what we found when we sent live transfers to Mexico and France through Xoom:
  • We paid low fees and received competitive rates within 2.4% of the mid-market rate on average, with rates updated multiple times a day.
  • Our transfer to France arrived ahead of schedule, while our funds were deposited into our recipient’s Mexican bank account within 24 hours.
  • Xoom’s easy-to-use website allowed us to sign up and initiate a transfer in just about 3.5 minutes.

How much does it cost to transfer money with Xoom?

The fees that apply to Xoom international money transfers 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. While it’s possible to pay for your transaction using a credit card or debit card, you can enjoy lower fees when you pay using your US bank account.

Here’s an example of the different fees you might see if you sent $1,000 to Mexico or India:

DestinationPayment methodFee
MexicoBank account$4.99
MexicoCredit or debit card$24.99
IndiaBank account$0
IndiaCredit or debit card$30.49

There are some situations when transfer fees will be waived, such as if you send $1,000 or more to India and pay using your bank account. Use Xoom’s online Fees and Exchange Rate Calculator to see the fees that apply to your transfer destination and amount.

How are Xoom’s exchange rates?

Xoom makes money through transaction fees and by charging above the mid-market rate.

For example, if you are transferring money to Italy:

  • You’ll pay a transaction fee depending on which payment method you use ($4.99 through a bank account or $10.99 through a debit or credit card).
  • Your money may be converted at a rate of 1 USD = 0.93 EUR, instead of 1 USD = 0.96 EUR.

Send money where you need it across the world.

You can send money using your credit card, debit card or US bank account. At this time, Xoom does not offer the flexibility of rate locks, forward orders or recurring transfers.

Xoom offers three options when it comes to your recipient collecting the cash you send: cash pickup, bank deposit and home delivery. However, the method you choose may depend on where you are sending your funds.

  • Send money. With Xoom you can send money in seconds to 70 countries around the world anytime, anywhere. They offer minimal fees and competitive exchange rates.
  • Reload phones. Xoom allows you to reload the phones of friends and family members in 35 countries around the world.
  • Pay bills. Xoom’s bill paying service makes it easy to pay bills overseas from within the US.

Pros and cons of using Xoom


  • 24/7 support. Phone and email support is available 24 hours a day, seven days a week if you need help with a transaction.
  • Competitive and affordable. Compare the exchange rates and fees charged by Xoom with those of other money transfer providers to determine how affordable this service is.
  • Safe and secure. Xoom uses 128-bit encryption to secure your funds, while its money-back guarantee provides extra peace of mind.
  • Track your transfers. Receive a text message when your money arrives. Xoom will also email you and your recipient to keep you both informed of the transfer’s progress. You can also log on to your account any time and track the transaction there. Or call customer service and receive an update from a live representative.
  • 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. You will need to look elsewhere if you want to send money to a country that Xoom does not currently service.
  • Requires government-issued ID. You’ll need to upload a government-issued ID — like a license or passport — and a recent bank statement to send money, which could deter those without either form of ID.
  • No live chat option. Though you can call or email Xoom for 24/7 customer support.

How does Xoom compare to other services?

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1,000 1 day USD 0.00 0.867 EUR 4,336 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 0.867 EUR 4,336 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 Same day USD 0.00 0.872 EUR 4,360 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
USD 2,000 1 day USD 0.00 0.867 EUR 4,336 $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 0.858 EUR 4,291 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 0.876 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
USD 1 Within an hour USD 3.99 0.872 EUR 4,358 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.

The registration and transfer process

Before you can send funds with Xoom, you must register for a free account with your personal contact information. While you don’t need to enter a Social Security number at sign-up, Xoom requires you to upload a government-issued ID — like a license or passport — and a recent bank statement to send money, which could deter those without either form of ID.

The next step in the process is to enter details about your recipient, including their name, address and bank account details. You’ll also have to select whether you will pay via credit card, debit card or bank account and enter your payment details.

After reviewing the details of your transaction, including the exchange rate and fee that applies, you confirm and send the funds. Xoom will notify both you and your recipient of your transfer’s progress.

What you need to send money through Xoom

  • Amount to be sent and currency it will be converted to
  • A valid payment method — credit card, debit card or bank account
  • The recipient’s name, address and bank name and account number
  • Your phone number and address

Steps to send a money transfer with Xoom

Track your transfer

You can opt to receive text updates or email notifications. Alternatively, you can review the transfer status on the Xoom platform or by calling Xoom support. Most transfers are completed within a few minutes, but it may take up to four business days.

Cancel your transfer

Cancellations are easy and don’t require a fee. To cancel a request either log on to your Xoom account and go to the Track my transaction page, or call Xoom Customer Service toll free at 1-877-815-1531.

Transfers that have not been deposited, picked up, delivered or paid to your recipient may be canceled. Refunds generally take three business days to be issued and one to four business days to be processed and deposited or credited to your account or card, respectively.
Looking for an alternative? Check out these services similar to Xoom.

Bottom line

Xoom’s money transfer options are worth considering when you need to send money overseas. Just make sure to compare its services with those of a number of other providers before deciding on the right money transfer company to handle your transactions.

Frequently asked questions about Xoom


Our team analyzes money transfer providers offering services in the US — from big names to digital upstarts. We rank rates and fees, speed, services and user experience for:

  • TransferWise
  • XE
  • OFX
  • WorldRemit
  • Currencies Direct
  • Western Union
  • RIA Money Transfer
  • MoneyGram
  • Remitly
  • Payoneer
  • Remit2India
  • Xoom
  • PayPal

Learn the details of our methodology and scoring.

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  1. Default Gravatar
    August 31, 2019

    Hi. Can anyone tell me can I send money from PayPal (using Xoom) to send money where PayPal account is registered?

    • Default Gravatar
      September 1, 2019

      Hi Nikola,

      Thanks for your inquiry.

      Unfortunately, you cannot send money from Paypal Xoom to Paypal account. Please note that Xoom offers three options when it comes to your recipient collecting the cash you send: cash pickup, bank deposit, and home delivery.

      I hope this helps.

      Kind regards,

  2. Default Gravatar
    July 4, 2019

    I am a recipient I received a msj that say the transaction is complete thank you for using Xoom , but it those still not appear in my debit card. It’s been almost 3 weeks and nothing???

    • Avatarfinder Customer Care
      July 4, 2019

      Hi Teresa,

      Thanks for contacting Finder.

      Sorry to know that you haven’t receive your money. Normally the transfer should only take 2-3 business days. Please contact Xoom Customer Service toll free at 1-877-815-1531 for them to help you track the transaction.

      Hope this helps.

      Please feel free to contact us at any time if any other questions arise.

      All the best,


  3. Default Gravatar
    June 27, 2019

    What does xoom ON TRACK means?

    • Avatarfinder Customer Care
      June 28, 2019

      Hello Trudye,

      Thank you for your comment.

      Xoom transaction status, on track, means the transaction is being processed and is likely to be completed.


  4. Default Gravatar
    April 30, 2019

    Can someone help me, if a person sends money through Paypal from the UK, will that money be received in Xoom or bank? How the process will work?

    Kindly help me. Thanks!

    • Avatarfinder Customer Care
      April 30, 2019

      Hi Laraib,

      Thank you for getting in touch with Finder.

      Basically, the money is sent to the recipient’s bank account or can be cash pickup or home delivery or recharge a prepaid mobile phone since it is processed like Xoom money transfer.

      I hope this helps.

      Thank you and have a wonderful day!


  5. Default Gravatar
    April 15, 2019

    Do I need a Xoom account to receive money from overseas?

    • Avatarfinder Customer Care
      April 16, 2019

      Hi Chante,

      Thank you for your comment.

      There’s no need to create a Xoom account when receiving money. Most of the transfers can be received in your bank account or it’s for pick up from any affiliated centers.


  6. Default Gravatar
    April 15, 2019

    How many days will my money arrive from Xoom to Cebuana Lhuillier?

    • Avatarfinder Customer Care
      April 15, 2019

      Hi Joven,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      Using Xoom means that your recipient will be able to claim the money after an hour in designated Cebuana Lhuillier branch.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  7. Default Gravatar
    April 7, 2019

    Hi! How can I get the money that my fiance sent to me, should we have to wait the email from Xoom before I can receive the money? Thanks in advance 🙂

    • Avatarfinder Customer Care
      April 9, 2019

      Hi Laiza,

      Thank you for reaching out to Finder.

      You can opt to receive text updates or email notifications. Alternatively, you can review the transfer status on the Xoom platform or by calling Xoom support. Most transfers are completed within a few minutes, but it may take up to four business days. Hope this helps!


  8. Default Gravatar
    March 17, 2019

    Hello, please I want to know if you accept the use of Mexico consular ID to transfer money to Nigeria from my bank account with Bank of America? I need to send money to a friend in Nigeria and Dubai. Kindly let me know if my ID will be accepted so I can start using your app and company to send money.

    • Avatarfinder Customer Care
      March 18, 2019

      Hello Rafael,

      Thank you for your comment.

      The Mexico Consular Identification Card is an identification card issued by the Government of Mexico through its consulate offices to Mexican nationals. Xoom requires a government-issued ID and since Mexico Consular Identification Card is a government-issued ID, then it should be accepted.

      I advise you to please contact Xoom to verify this.


  9. Default Gravatar
    March 11, 2019

    How long will it take for 95 dolars to be deposited into my banc acc?
    The receipt my father got from you guys said i would have i today
    Its 9 am March 11th and I still dont have it
    Should I wait till the time my father made it two days ago which was 2:19?

    • Avatarfinder Customer Care
      March 12, 2019

      Hi Estebanolo,

      Thank you for reaching out to Finder.

      Though there are a lot of factors that may be the reason for the delay but for you to get an exact time of release of the funds, you may need to contact Xoom directly. Hope this helps!


  10. Default Gravatar
    March 6, 2019

    Can I send money to RCBC? I received an email before from Xoom stating that you no longer affiliated with RCBC. Is this correct?

    • Avatarfinder Customer Care
      March 6, 2019

      Hi Angelina,

      Thank you for getting in touch with Finder.

      Upon checking on Xoom’s official page, RCBC or RCBC Savings Bank is one of Xoom’s partner banks in the Philippines.

      I hope this helps.

      Thank you and have a wonderful day!


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