Xoom Money Transfer

Xoom Money Transfer

 3.9/5 (508 reviews)

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Overall Rating3.9 out of 5
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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

Bottom Line

Xoom is a simple way to send money abroad from your home computer. It can be pricey to send funds by debit or credit card, but many bank account or PayPal account transfers have no fee or lower fees.

Top Xoom Money Transfer Reviews


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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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

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 30, 2023

I initiated a transfer on May 2, 5:08 pm. I received an email saying the transaction got canceled on May 2, 11:30 pm. I initiated another transfer on May 3, 8:45 am, as my previous transfer got canceled. Xoom withdrew $4000 two times and made my account to NSF. I was also charged $35 as an overdraft fee. When I called customer service, they kept on telling me to contact the bank for a refund and were very rude. When I called the bank, they informed me it was a genuine mistake from Xoom, and Xoom had to refund $35. The customer service representatives keep on repeating the same information again and again. They are not even trying to understand the problem. Very frustrated.

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Verified Reviewer
Original review: April 17, 2023

I have been waiting for a refund from the transaction for more than a month. These are 4 transactions that have not been sent and I am no longer interested in them being sent. I want a refund. I have already uploaded documents about 5 times and talked to someone from your support 2 times and you still email me that I should contact you even though I have done everything you told me. You still want me to upload documents over and over and call you over and over again. Why can't you refund my money and why is everything taking so long? Your service never again!!!!

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    Verified Reviewer
    Original review: Feb. 26, 2023

    3 popular statements over Xoom customer care. Verifying your transaction, so placing on hold, transferring your call since it is related to other department, recipient bank having technical problems, due to security reasons we can't provide more details to contact directly recipient bank.

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    Verified Reviewer
    Original review: Feb. 25, 2023

    Well I’m a customer since 2007 and never had any issues before until now. My last 2 money transfers they put a stop payment for more than 3 days, my bank already the payment but they still stop making my payment. I have called customer service. They said they need to see my bank account. I don’t understand why they have to see my bank account and my account number. Crazy right? Please train your staff to speak better and help your customers in a better way.

    2 people found this review helpful
    Verified Reviewer
    Original review: Dec. 7, 2022

    I have used this service for many years to send money abroad. But needing for the first time to send larger amounts for a real estate purchase, I submitted documents they requested to increase my spending level. Received confirmation, then submitted a transaction which was put on hold and then immediately canceled. I called customer service, they again reviewed my documents, confirmed my spending levels, and said to retry the transaction. It appeared to go through, but was again put on hold. I called customer see service again, and they said they needed a copy of my bank statement. I had already sent this, but I said, OK, how do I send it? Wait for an email, they said, then reply to it. (Note, email not the best way to send sensitive documents). But the only email I received was another cancellation. I would suggest Western Union instead. The process was much smoother!

    3 people found this review helpful
    Verified Reviewer
    Original review: Dec. 2, 2022

    It's a fraud to use Xoom. Beware. I've attempted using them to avoid going into the bank to make a wire transfer. I made four attempts in a single day, each time subjecting myself to rigorous security checks and interrogation, with no success. They always cancel my transaction after the system says it's in process, and I have to call back to find out why. The security team informed me that they have additional questions to ask. One person came close to pressing me for details by asking me to identify the vessel on which my family landed in the 1400s.

    After I had gotten past these checks, they informed me that I was free to go. Two hours after my 5th attempt, I was turned down. Guys, please exercise caution. The customer care representatives that answer the phone do not have any real-world context and are essentially reading responses from a computer. Alternatives may be worth a shot, so if I were you I would look at them. I deleted the account. Terrible experience.

    5 people found this review helpful
    Verified Reviewer
    Original review: Dec. 1, 2022

    I have used Xoom before May few times and never had issues until in May or so I send to larger amount of money. I got email from Xoom, it was delivered but the recipient never got it. This happened on 2 large amount transactions, the money just vanished! After several weeks of waiting, I had to provide bank statement to get the money back which is extremely annoying. Last week I again sent money internationally again, received email it was delivered and AGAIN it was never delivered. AGAIN I had to provide statement to get my own money back! For 8 months they haven't fixed their issues. I will never use this as artist service again! How does money just disappear and they can't even find it in their own system until I provide bank statement? Unreal!!!

    4 people found this review helpful
    Verified Reviewer
    Original review: Sept. 23, 2022

    Did my first money transfer to an account in India. Portal says bank transfer will be done in minutes. 22nd Sept - Post completing the process and confirming, they send me an e-mail stating that there will be a delay due to banking transaction from my Banker in the US and that the money transfer will happen on 27th Sept. Called customer service and was told that they will send in minutes as soon as they receive the money from my Bank. 23rd Sept - Checked my Bank and the money has been sent. Called Xoom again only to be told the same thing. They still are sticking to the 27th Sept time frame despite having the money. Very bad experience. Will never use Xoom again and want to warn prospect users.

    7 people found this review helpful
    Verified Reviewer
    Original review: Sept. 14, 2022

    First they claimed that the transfer was made but would only provide an internal confirmation number not an actual banking transaction code. Then they change the story and say the transaction was rejected and they will process a refund later. When I ask both PayPal and Xoom why of the transaction was rejected a refund was not processed automatically? Nobody has been able to answer me...they just blame each other. In the meantime my money is not in either of my accounts.

    5 people found this review helpful
    Verified Reviewer
    Original review: Sept. 9, 2022

    I sent money through this company for many years, because it is fast in shipments a little more expensive than others but safe, now I have been having problems with all my transactions for several months now, they cancel the transactions without giving answers and they delay them lying to me that it is problems of the receiving bank, if that were the case I think, my money would have been withdrawn from my account, but it was not the case in any of them, customer service does not solve anything and they even offer to cancel the transaction if you do not want to wait for the I decide that they take. It's frustrating every time that happens to me, they have become like Western Union, irresponsible and liars.

    5 people found this review helpful
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    Xoom Money Transfer Company Information

    Company Name:
    Xoom Money Transfer