Xoom Money Transfer

Xoom Money Transfer Reviews

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About Xoom Money Transfer

Xoom is an international money transfer service administered by PayPal that works from your phone or computer. You can send money to more than 70 countries and deposit to a recipient’s bank account or arrange cash for pickup or delivery. Xoom also offers international mobile phone reload and bill pay. You can get status updates by text or email. Xoom offers a money-back guarantee if your transfer does not get to the recipient. Customer service is available 24/7.

Pros & Cons

  • Money-back guarantee
  • Deposit, cash pickup or delivery
  • Lower fees for PayPal customers
  • Live customer support
  • Higher fees for credit/debit funding
  • Daily, monthly and six-month limits

Featured Reviews

Mississauga, ON

Just sent money using this service second time… I loved this service. It's fast with very low service fee and hassle free. The first page gives you all information about the conve...

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Rochester, NY

Xoom has been my go to service for money transfer to India. It has improved a lot over the years. Initially it used to take a couple of day, then up to 4 hours, and now instantly....

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What does Xoom do?

Xoom is a money transfer service. Its services are available online from your computer, tablet or smartphone, so you don’t have to visit a money transfer location. You can link multiple accounts and use a bank account, credit card, debit card or PayPal account to fund transfers. Xoom offers three levels of service:

  • Level 1 allows bank deposits or cash pickups of up to $2,999 in 24 hours and up to $9,999 in 180 days.
  • Level 2 has a limit of $10,000 in 24 hours for bank deposits and cash pickups and a limit of up to $30,000 in 180 days.
  • Level 3 allows bank deposits up to $50,000 in 24 hours and up to $100,000 in 180 days.

Xoom transfers typically take two to three business days but can be expedited depending on the payment type. Large amounts require additional processing time.

How does Xoom work?

To sign up for Xoom services, you need to provide the recipient’s name. The company may also request additional information, including your:

  • Account information
  • Address
  • Phone number
  • Banking info (if you’re making a deposit)
  • Social Security number
  • Passport (or green card/driver’s license)
  • Proof of address (e.g., utility bill)
  • Bank statement
  • Pay stub

Large money transfer amounts require additional verification.

How much does Xoom cost?

Fees for sending money by Xoom vary by amount, payment type, delivery type and country. For example, to send $200 to Mexico costs $2.99 if you use your PayPal or bank account. If you send $200 cash for pickup to a recipient in Mexico, the fee is $3.99 for all payment types.

To send $1,000 to a bank account, the PayPal and bank account fee is $0, while debit or credit card funding will cost $3.99. To send $10,000 to a recipient’s bank account in Mexico by debit or credit card, fees jump to $251.49. But the fee is still $0 if you use PayPal or your bank account.

Xoom FAQ

Is Xoom safe for money transfer?

Xoom is a service of PayPal, a widely trusted company. Transactions are encrypted and your information is not shared. Xoom is a VeriSign-secured site that is federally regulated. If your money does not reach the recipient, Xoom offers a money-back guarantee.

How long does a Xoom transfer take?

Many transfers are available right away — if you have an existing PayPal account, cash pickup could be ready for the recipient in minutes, but your initial Xoom transfer might take two to three additional business days to verify if you don’t use PayPal. Large amounts might require additional processing time, depending on the payment and delivery methods.

How do I receive money from Xoom?

You can receive money by bank deposit, cash pickup or cash delivery (not available in all cases).

What is the limit on Xoom?

The limit on Xoom transfers depends on the country, financial partner, service level and delivery type. The maximum amount you can transfer from the U.S. in one bank deposit transaction is $50,000.

Is Xoom a good way to send money?

Xoom is a convenient way to send money without visiting a bank or money transfer location. Services are available online. Xoom offers a money-back guarantee if the funds do not reach the recipient.

How much does it cost to send money through Xoom?

Xoom fees depend on amount, delivery type, payment type and country. Higher transfer amounts have higher fees. PayPal customers pay $0 in fees on transactions funded with a PayPal account. You can visit the website, plug in your country and the amount you want to send to see the fee.

Is Xoom safe?

Xoom is an international money transfer service administered by PayPal, a trusted company. You can use its encrypted website to send money to over 70 countries. While fees can be high for sending money from your debit or credit card, Xoom does not charge fees for transfer from your PayPal or bank account. If you don’t have time to visit a bank or money transfer location, it's convenient to use Xoom from home. For customers who need to pay bills for their families abroad, Xoom also offers bill pay and mobile phone reloading service.

Xoom Money Transfer Reviews

Stars Rating

  • 7%
  • 10%
  • 4%
  • 3%
  • 76%

Popular Mentions

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    How do I know I can trust these reviews about Xoom Money Transfer?
    • 4,476,427 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer ServiceSales & MarketingStaff

    Reviewed July 4, 2024

    Worst company and even worse customer service. They canceled my transaction everytime I try to send my mom money. When I called to ask what the issue is all they said they were sorry for the inconvience but we can't help you or disclose the reason due to company policy. When asked what we can do from our side to help this transaction go through, they say, "You have been violated and can not use our service." How can you have violated a service you have not used. Very shady and screams SCAM!!!! No manager or supervisior came to the phone after multiple requests. The customer service person has a heavy accent and crying children in the background. AVOID AT ALL COSTS!! DON'T WASTE YOUR TIME OR MONEY!!!!

    Verified purchase
    Customer ServiceStaff

    Reviewed July 4, 2024

    I am extremely disappointed with Xoom, a PayPal service, due to their unresponsive and immature treatment of customers. I recently made a money transfer of $1250 USD to India, but the funds were deposited into the wrong account due to an error in the account number. Despite numerous attempts to resolve the issue, Xoom's customer service has been absolutely terrible. Each time I call, a new representative picks up, and I have to explain the issue repeatedly. Not only do they fail to provide adequate information, but they also seem indifferent to solving my problem. This level of service is unacceptable, especially from a company as large and reputed as PayPal or Xoom.

    What’s more concerning is that Xoom allows transactions to go through even when the account number and account name of the recipient do not match. This creates a significant vulnerability, as it enables the potential for sending money to incorrect or even fraudulent accounts. It’s alarming to think that such a serious flaw exists in a multimillion-dollar (or even billion-dollar) company’s system. This oversight could easily be exploited for illicit activities, such as transferring black money globally. In conclusion, Xoom should be held liable for losses caused by their faulty transaction processes. It's outrageous that a company of this stature has such critical shortcomings. I urge Xoom to address these issues immediately to protect their customers and uphold their reputation. Until then, I cannot recommend their services.

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      Customer ServiceStaff

      Reviewed June 27, 2024

      I've used Xoom countless times to transfer money from my account in US to a known recipient in Brazil but I'm having issues now. I initiated a transfer of $5,827.30 to a recipient in Brazil on June-17. The transactions normally take 24-48 hours to complete, however I was informed by Xoom Compliance that I needed to provide proof of my income and proof of residency in order for them to complete my transaction. I provided all the documentation required immediately and they haven't completed the transaction yet. I've sent e-mails and called multiple times to follow-up but they tell me their compliance partner in Brazil is not responding. Compliance manager Kevin (He said he can not provide his last name due to security reasons) told me he doesn't have a timeline on when this will be resolved and there's nothing he can do but wait for the partner to respond. I've been waiting for 10 days

      Reviewed June 16, 2024

      This is the worst service I have ever used. I tried to send money to my father for his birthday, but they accused me of violating the rules and didn't give me a chance to appeal the decision or provide any evidence. Do not use Xoom if you don't want to waste your time and be disappointed. My rating is 0.

      Customer ServiceStaff

      Reviewed June 4, 2024

      Had to wait for almost 3 hours to speak with a manager. Neither the agents nor the supervisors had answers to why the transfer of funds was completed after 10 days. Managers refused to come on the call and I had to stay on hold for hours. If transferring money to loved ones is important, especially when it's urgent, suggest you find another service.

      Customer ServicePunctuality & SpeedStaff

      Reviewed June 3, 2024

      Full of hassles and runarounds. Had to contact customer service after not receiving my wire, was redirected to the verification team, then to members at paypal, directed back to verification team, once more to the paypal team, an hour later and still nothing is resolved. Save yourself the headache, use a different service.

      Profile pic of the author.

      Reviewed June 2, 2024

      XOOM is the worst! After stealing money from you by giving less money than the actual value of the currency you want to send money (i.e the Mexican peso trades at 16.99 per 1 dollar now, yet Xoom will give you 16.61 per dollar, that’s stealing your .38 cents per dollar!) in addition they will charge 1.79 dollars fee, even if they say they will not, in tiny dimmed letter then they will disclose that and will assume that it is part of the exchange rate but it is not! DO NOT USE XOOM, use another one.

      Customer Service

      Reviewed May 16, 2024

      I sent myself money through Xoom based off of PayPal suggestions that it would be minutes to a few days. It has been over a week now since they took it out of one account and I still don't have it so instead of being able to use it where I needed it I don't have access to it at all. I can't find a number to call or a reason what is going on. Hopefully they return my money to me soon. I will never suggest or use this so called service again. I'm just hoping I can get my money back at some point from them.


      Reviewed April 10, 2024

      I don't like it. Exchange is not good as others. Paypal is cheaper. Other sending money companies give more countries money than Xoom. I not find any advantage sending money thru xoom. Western Union give you more money.

      Customer Service

      Reviewed April 10, 2024

      I initiated a transaction of $2,000 from the USA to India using Xoom.com (a PayPal company) on April 1, 2024. Despite Xoom's confirmation that the money was deposited into the recipient's Bank account in India, the funds have not been credited. Concurrently, the amount was deducted from my USA account. Upon contacting Xoom customer service, I was informed of a technical issue affecting not only my transaction but also hundreds of others. Despite this acknowledgment, there has been a significant lack of communication from Xoom. As of April 10, the funds have neither been credited to the recipient's account in India nor returned to me.

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      Xoom Money Transfer Company Information

      Company Name:
      Xoom Money Transfer