Xoom Money Transfer Reviews

  • 4,657,823 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.

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

Featured Reviews

Mississauga, ON
Verified purchase
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...

Read more

Rochester, NY
Verified purchase
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....

Read more

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.

Shop with confidence

Compare with top companies

Xoom Money Transfer Reviews

Filter by Rating

  • (492)
  • (41)
  • (33)
  • (54)
  • (733)

Popular Mentions

    How do I know I can trust these reviews about Xoom Money Transfer?
    • 4,657,823 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.
    Recent
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about Xoom Money Transfer?
    • 4,657,823 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

    Reviewed May 1, 2025

    I was just told by a Xoom representative that I could no longer send money to a friend and someone who works for me located in India. He said I can only use it to send money to friends and family. Well Xoom, he is also a friend, yet you still cancel all my sent payments. So you will no longer be used by me. #BoycottXoom

    Thanks for your vote! Report
    Customer Service

    Reviewed April 25, 2025

    I tried to transfer my PayPal credit amount to my bank account using Xoom PayPal. What a disaster, not only did they not transfer my PayPal credit amount to my bank account, they made a deposit into my bank account and then withdrew the same amount plus service fee and sent to my debit card. Anyone who has a bank account with debit card knows this is the same thing. If the so called transaction really happened then it would have been deposited into my bank account. It’s been ten days since the transaction but nothing has been deposited according to my bank. Numerous calls have been made with absolutely no action to obtain my missing money. Xoom tells me that the transaction has been completed and closed. I will never do business with them again and have started a bank fraud complaint since my bank stated this whole thing looks fraudulent.

    Thanks for your vote! Report

    Not sure how to choose?

    Get buying tips about Money Transfer delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Verified purchase
      Customer ServiceStaff

      Reviewed April 23, 2025

      Sent money with Xoom on April 3rd. Money hasn’t reach the person I sent to. Called customer service four times and they keep telling me it’s being investigated but still haven’t resolved anything. Was told a supervisor would contact me and this hasn’t happened either. Worst customer service ever. Will never use Xoom again.

      Thanks for your vote! Report
      Customer Service

      Reviewed April 1, 2025

      I am not the person to write bad reviews but this is just ridiculous! I tried to use Xoom to transfer money from one bank to another, which both banks have my information on them. The transactions immediately were cancelled with no reason or even any email as to what needs to be done. I contacted the company thinking I would be able to get a solution only to be told that I won’t be able to use the service and I should find alternatives based upon internal review. I asked why? And was not even given a reason but was just told to look elsewhere and nothing can be done. That is so disrespectful and rude; I understand that you can do what you want but handle the situation a little better, there was no form of contact to try to verify anything on my end. I will never recommend this garbage to anyone else. This is my first horrible review and that says a lot!!! The funny thing is the first transaction was a very small transfer of less than $30.

      Thanks for your vote! Report
      Verified purchase
      Customer Service

      Reviewed March 31, 2025

      I use paypal for payments, then Xoom came up, I was moved to xoom for transactions with good timing and 0 problems. Now in 2025 my first transaction of $2500 failed. Contacted two times customer service with 0 answer why money is out of my Bank but not deposit on receiver end. 3 days later I ask to cancel and refund my money not guarantee for but that is my choice, that give me a different view of what this company was before, and what it is today.

      Thanks for your vote! Report
      Customer Service

      Reviewed March 13, 2025

      I had a problem with Xoom transactions and their customer support is not helpful in handling my issues. Recently transferred money to India for medical expenses but the money didn’t made to the recipient account. upon following up xoom is just saying the transaction is completed and they are not prompt in tracing back my hard earned money. They just simply mentioned my partner bank said the transaction is completed so we are closing your case. I have submitted the proof of my recipient bank statement but then they never tried to investigate on this issue. Many times I had to call them but no proper response. Definitely will not recommend.

      Thanks for your vote! Report

      Reviewed Jan. 21, 2025

      No refunds, o was trying to move money from my credit card to checking, but at the end of the process. I was asked how I wanted to pay for the fee of 20, or I thought it was 20, so I chose my bank account which I was trying to send money to, so they literally sent money to my account, that they pulled the money from and refused to give me back my 20 dollars for the fee, but after the money was sent it the text said you got 30 minutes to cancel, not true. Was completed. It's too late, well of course it going to be right away if you're taking 20 dollars out,! No help, no trust, legal robbery, with no oversight!

      Thanks for your vote! Report
      Sales & MarketingReliability

      Reviewed Jan. 17, 2025

      I recently made a transaction with Xoom to a new account. The transaction amount was around $500. However, the transaction did not go through, but Xoom showed it as completed. To dispute it, I had to get the bank statement of the person to whom I sent the money. If I had sent the money to a new person who was not willing to share their bank statement, I would have been in a difficult situation. They were not willing to do any troubleshooting without the bank statement. This seems like a scam for people sending small amounts of money to a new account. I will not be using this service anymore. They need to be willing to do a round of conversation with partners to understand the technical issues on their side before bothering consumers. I have seen similar reviews in Reddit too.

      Thanks for your vote! Report
      Customer ServiceSales & Marketing

      Reviewed Jan. 9, 2025

      If I could give negative stars I would! A business that is great for scammers, If you get scammed they will protect the scammer! I sent money and found out I was scammed - my bad yes, but I went through the channels, reported to Xoom, they said not responsible to talk to law enforcement, Law enforcement said cancel with bank (transaction had not cleared my bank). Bank took down notes on the scam and proceeded to refund my money- Xoom came back after me for the funds and said not their problem. Xoom gives you the choice to send to "someone you don't really know" it's a box you check before sending the funds, but then will tell you when you call them that they are only designed for people you know....well why is there an option for the other. This was my first - And My LAST time using Xoom.

      A little info on the scam, I talked with the lady for some time on the phone about her item for sale, she actually talked with me as I processed the payment - she gave me her debit card number, address and name to put it onto using xoom. Being an honest person, I didn't write it all down because that would be crazy to give out your debit card number, and I had no business with it so I just typed it into xoom. Hindsight, should of wrote it down, but even if I had xoom would have still protected her and come back after me for the money. Great payment app for scammers - make sure you know where it's going they are not there to protect you, they will take the scammer's side.

      Thanks for your vote! Report
      Customer Service

      Reviewed Jan. 4, 2025

      The worst money transfer experience I’ve ever had. I’ve been lied to over and over again telling me money was deposited into my bank and it was not. Verified the correct account number and routing number with them. I was told that they’ll do an investigation to why the money is not in the bank.. It would’ve been nice if I would’ve had a warning that there be a 2 to 5 day hold even though it’ll be six days because I got an email saying that would be available on the sixth. I sent the money on the first.

      Thanks for your vote! Report
      Loading more reviews...

      Xoom Money Transfer Company Information

      Company Name:
      Xoom Money Transfer
      Website:
      www.xoom.com