Xoom review 2021: Fees, rates, complaints, limits | finder.com
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Xoom money transfer review


Last updated:  

Learn how this PayPal-owned company can help you move money around the world.

finder.com’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
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  • Pick this if you already have a PayPal account or need to send money without ID verification.
  • Pick something else if you want a better exchange rate for your money transfer.


Min. Transfer Amount


Max. Transfer Amount

Within an hour

Transfer Speed


Product NameXoom International Money Transfers
Min. Transfer Amount$10
Max. Transfer Amount$10,000
Transfer MethodsOnline, Bank Account to Bank Account
Transfer Speed
Minimum transfer time
Within an hour
Customer ServicePhone, Email

Expert review

Zak Killermann

Review by

Zak Killermann is a writer at Finder. He’s ghostwritten hundreds of articles on fintech, finding his love for publication at St. Cloud State University. Traveling internationally for nearly half his life — and getting burned once by an OTC money exchange — Zak's vowed not to settle for anything short of the mid-market rate again.

Expert review

If you already use PayPal, Xoom is a convenient next step. Although the fees and exchange rates are worse than many competitors, the convenience of sending money from your PayPal balance may be worth it for some users. Plus, Xoom sends to 150 different countries, which is more than most other services.

For those who prefer to do things through their phone, Xoom’s mobile app is streamlined and easy to use, allowing you to create a transfer and have it on its way in minutes.

Why should I use Xoom?

  • Transfer tracking. You’ll 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 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.
  • 24/7 support. Phone and email support is available 24 hours a day, seven days a week if you need help with a transaction.

What to be aware of with Xoom

  • 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.
  • No live chat option. Though you can call or email Xoom for 24/7 customer support.
  • Exchange rate markup and fees. Xoom adds a markup on the mid-market rate and charges additional fees.

Xoom’s exchange rates and fees

Sending online or through an agent location will change how much Xoom costs. But for online transfers, Xoom fees depend on:

  • Payment. Paying by bank transfer is the cheapest option while paying by credit card will have higher fees. Additional cash advance fees may also be charged to your credit card.
  • Recipient’s location. Fees depend on where you’re sending to.
  • Amount. Different fees are charged based on how much you’re sending.
  • Delivery. To send cash, fees are generally higher, while receiving money to a bank account is often less expensive.

Here’s an example of Xoom fees you might see while sending $1,000 to Mexico or India for bank deposit:

DestinationPayment methodFee
MexicoPayPal balance or bank account$0
MexicoCredit or debit card$3.99
IndiaPayPal balance or bank account$0
IndiaCredit or debit card$30.49

Accurate as of July 1, 2020.

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 Fees and Exchange Rate Calculator to see the fees that apply to your transfer destination and amount.

Xoom’s exchange rate

The exchange rate offered by Xoom may change depending on the amount of money you’re sending. Here are the rates when we checked on April 15, 2020, for sending USD to INR through Xoom:

Sending amountXoom rateMid-market rateMarkup
$10 – $5074.514476.582.77%
$51 – $1,98975.273276.581.74%
$1,990 – $1,99975.2743 – 75.614776.581.73% – 1.28%
$2,000 – $9,97075.652676.581.23%
$9,971 – $9,99975.6602 – 75.872676.581.22% – 0.93%

Although Xoom offers more competitive exchange rates as you send more money, it should be noted that when paying with a credit or debit card the fees also increase. When we checked, sending $5,000 to India through Xoom and paying with a credit card will cost you $151.49 in fees.

Check if there are any Xoom promo codes available

How long does a Xoom transfer take?

Turnaround time on your Xoom transfer depends on how you pay and how the money is received:

  • Fastest option — nearly instant

    Pay for your transfer with a credit card, debit card or PayPal balance. You’ll pay more in fees, but your money arrives in as little as 15 minutes, if not instantly. Your credit card might charge you an additional cash advance fee, further increasing the cost of your total transfer. Some destinations may take longer to receive money, even when paying by credit or debit card.

  • Cheapest option — up to 4 business days

    Using a bank account to pay for your transfer is often the cheapest way to send money, but it’s the slowest. Sending money to your recipient’s bank account may also delay the transfer time.

Xoom reviews and complaints

Reviews accurate as of October 13, 2020.
Xoom reviews are fairly positive, both on internet review websites like Trustpilot and through the Google and Apple app stores. Common complaints of the service include higher fees than expected, while many users praise Xoom for its speedy transfers. Overall, Xoom reviews indicate that it is worth checking prices and considering using the service if the price is right.

Trustpilot4.5 out of 5 — based on 21,582 customer reviews
CompareRemit4.4 out of 5 — based on 1,908 customer reviews
BBB ratingA+ — based on BBB’s internal rating system
Monito7 out of 10 — based on staff reviews
NerdWallet3.5 out of 5 — based on staff reviews
Finder.com3.8 out of 5 — based on staff reviews

What currencies can I send with Xoom?

Xoom can send to more than 150 countries and territories worldwide. Xoom can be sent from residents in the United States, Canada, the UK, and select countries in Europe. You can look at the full list of currencies here, but some of the popular currencies that Xoom supports include:

  • Australian dollar (AUD)
  • Bangladesh taka (BDT)
  • Brazilian real (BRL)
  • Dominican peso (DOP)
  • Egyptian pound (EGP)
  • Indian rupee (INR)
  • Mexican peso (MXN)
  • Philippine peso (PHP)

What are Xoom’s sending limits?

Xoom separates accounts into three levels based on how much verification you’ve given. For US residents, it looks like:

Level24-hour limit30-day limit180-day limitRequired information and documents
12,999 USD6,000 USD9,999 USDEmail and phone number
210,000 USD20,000 USD30,000 USDSocial Security number or passport
350,000 USD60,000 USD100,000 USD
  • Driver’s license, passport, or Green Card to verify your identity
  • Utility bill or another proof of address, either a bank statement or a pay stub
  • Plus additional information at Xoom’s request

    Is PayPal Xoom?

    Xoom is a PayPal service, and is owned and operated by PayPal. Users who already have and use PayPal accounts can integrate their existing accounts into Xoom to send money around the world. Recipients of Xoom transfers do not need to create a PayPal account in order to receive money.

    Review of PayPal’s fees and how it works

    Is Xoom safe?

    Xoom’s parent company, PayPal, is one of the most well-known payment systems. Xoom has additional measures to protect your money while using the service:

    • Encryption: Xoom uses 128-bit data security encryption for its entire website.
    • Regulation: Xoom shares all the same regulations and licenses held by PayPal.
    • Money-back guarantee: Xoom guarantees that your money will be received by your recipient, and if it isn’t the transaction will be refunded in full.

    Case study: 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.

    What payment methods does Xoom accept?

    Xoom transfers can be paid for in a few different ways when sending from the United States, including:

    • Bank account transfer
    • Credit or debit card
    • PayPal balance

    Each payment method may have different fees depending on your sending destination, but overall paying with a bank account or PayPal balance tends to be the cheapest option.

    How do I send money through Xoom?

    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 if you want to send higher amounts.

    Steps to send a money transfer with Xoom

    1. Sign up for a free Xoom account
    2. Choose the country you’re sending to, enter the amount you want to send and choose your payment method.
    3. Enter the recipient’s information, including full name, address and bank account information.
    4. Verify all the details of the transfer, and consider comparing the rate against other money transfer companies.
    5. If you’re satisfied with the rate, confirm the transfer to send the money.

    What do 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

    Is there a Xoom app?

    Xoom mobile app homepage

    Xoom has an app on both Google Play and the App Store. The app makes it possible to:

    • Quick send. Use existing contacts to quickly send money with a few swipes and taps.
    • Track orders. The status of your transfer is quickly accessible through the app.
    • See fees and exchange rates. An in-app fee and exchange rate calculator will help you determine the cost of your next transfer through Xoom.
    Google Play Store4 out of 5 — based on 47,344 customer ratings
    Apple App Store4.8 out of 5 — based on 554,600 customer ratings

    Ratings accurate as of April 15, 2020

    More on the best money transfer apps

    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.

    How does Xoom compare to other services?

    Enter the amount you want to send, select your sending destination and click Calculate to see how much your transfer with Xoom could cost.

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    $1,000 1 day USD 0.00 0.831 EUR 4,154 OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies. Go to site Show details
    GBP 1,000 1 - 2 days USD 0.00 0.831 EUR 4,154 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
    CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
    Go to site Show details
    USD 1 Same day USD 0.00 0.835 EUR 4,177 XE has fast transfers with no fees and a range of foreign currency tools. Go to site Show details
    $10 Within an hour USD 1.99 0.822 EUR 4,110 Special offers like free transfers and better exchange rates available for new customers.
    Remitly has quick, affordable transfers around the world, with both express and economy options.
    Go to site Show details
    $1 1 - 2 days USD 40.00 0.839 EUR
    Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. Go to site Show details
    $1 Within an hour USD 3.99 0.836 EUR 4,175 WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups. 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.

    Find out other alternatives to Xoom

    Want to compare Remitly with other services side-by-side?

    Frequently asked questions

    What are the ways I can send money with Xoom?

    For most destinations, Xoom transfers can only be delivered to bank accounts or for cash pick-up.

    Can I use Xoom to send money for business purposes?

    No, Xoom is only available for person-to-person remittance transfers.

    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.

    How can I track my 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.

    How do I cancel my transfer?

    Cancellations are easy and don’t require a fee. To cancel a request either log in 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.


    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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      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?

        Avatarfinder Customer Care
        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,

      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,


      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.


      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!


      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.


      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!


      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!


      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.


      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!


      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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