Xoom Money Transfer

Xoom Money Transfer Reviews

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Overall Rating2.2 out of 5
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About Xoom Money Transfer Reviews

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.

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

ConsumerAffairs has collected 1,315 reviews and 923 ratings.

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Page 1 Reviews 0 - 10
Customer ServiceStaff

Reviewed Aug. 22, 2023

I had a rather challenging experience with them. I've been a loyal PayPal user for years, and I recently used it on Xoom to initiate a transfer to my personal account. However, things took an unexpected turn. After making the transfer, I was asked to provide proof for verification purposes. I promptly submitted the required documents, only to receive an email stating that my verification had failed.

The frustrating part came when I decided to reach out to their customer care to understand the reason behind the verification failure. To my dismay, the customer care representative was unable to provide me with any specific reason for the failure. Not only that, but I was also informed that I wouldn't be able to use Xoom for future transfer. This situation left me quite disappointed and bewildered. I've had a long-standing positive experience with PayPal, but this incident has left me questioning their customer support and the lack of transparency surrounding the verification process.

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Customer Service

Reviewed Aug. 19, 2023

They will block almost every international money transfer! You call them and go through the same oral verification process each time. This time it was even more frustrating. Have to upload bank statements and they wrote to me saying that my account is now fully verified and that I should not have such holds going forward. Well, NOT true! This time the website was wired - when I clicked on the upload document button, it said nothing is needed at this time. So I called their humans who are like robots and hard to understand. I think they were telling me that the issue is now with PayPal and I needed to call them and go through a verification process. I thought they are the same company! Anyway, it is very frustrating and annoying!!!

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    Customer ServiceStaff

    Reviewed Aug. 9, 2023

    Xoom is a company that now handles fund transfers from Paypal to banks or where ever needed. Recently I had funds transferred to Paypal with whom I have been a customer for years. Today I tried to transfer those funds directly to my bank account on file using the passwords I had established with Paypal. I even used the double verification having a code sent to my cell phone, and had Paypal verify the code. But when I tried to have the money transferred, I discovered that Xoom would handle the transfer and required still more information, even though that information was in Paypal's files. I filled out the information and completed the transfer. Or so I thought. Moments later Xoom cancelled the transfer with no explanation.

    I called the help center and the operator said they needed to verify the information. She checked on the status and came back to tell me everything was fine and I just needed to try the transfer again. This meant I would have to fill out the information again. I did so, and the site said the transfer was successful. But when I checked my bank account an hour later, nothing had been transferred. I called the helpline again and talked to a gentleman who told me that the transfer had been put on hold because they needed to verify my identity, something that Paypal had done when I joined years ago. He wanted me to send a photo of my driver's license on an unsecured e-mail, something I was uncomfortable doing. I had a friend whose identity had been stolen when he sent his photo ID that way.

    When I asked why Xoom needed a copy of my license when Paypal had it on file, he told me they were not a part of Paypal. I could look at Xoom's logo and see it claimed to be a Paypal company. So I asked for a supervisor, and the gentleman hung up on me. I called back and I was eventually connected with a supervisor named James who told me that I needed to call my back to find out why my identity needed to be verified. Again, I knew this wasn't true. They already had not only my driver's license but other photo ID's. He finally, after talking in circles, admitted that it was Xoom that had different policies on ID verification and had nothing to do with Paypal's policies or my bank's. When I asked if I could simply close my account and pick up the cash where I could present my ID, he simply told me they'd hold onto the money indefinitely until I sent them my driver's license. I, as yet, still have not gotten my money.

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    Customer Service

    Reviewed July 8, 2023

    If their service works fine, but when it doesn't, they suck and won't solve the problem. First they claim they can't confirm my identity, despite the fact that I have been using their parent company Paypal for over a decade. They refuse to tell me how to get my identity confirmed. They then sent a report claiming they sent the money. They refuse to correct the report. First email is ignore but I have a 4 week old case file. Second time their AI sends a computer canned response that doesn't address the problem and creates a second case file, claiming the problem is solved. It isn't. Third time get another 3rd case file number and no response. Won't help on the phone, won't respond to emails.

    Somewhere in the company the AI manager is getting a bonus for all the money he is saving the company by not hiring people, meanwhile, the manager in charge of getting good reviews is pulling his hair out at all the one star reviews because the AI is dumber than a first grader failing to solve problems and causing bad reviews.

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    Reviewed July 1, 2023

    Please do not use this service. I just lost 11000 dollars. There is no security, a hacker got into this my account, created his contact and wire transferred money from my bank. I am without a job and this money was for my daughter's tuition. If XOOM is hearing this message please refund my money. I have not authorized this transfer. I have got scammed and my family is grieving this.

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    Reviewed June 19, 2023

    I have been trying to send my money from my Paypal account to my Bank account and they keep demanding files, proof of source of income! Well why there was no question when the money was transferred to paypal? I have uploaded all the files and still waiting! Why a financial institution can not query bank information and verify! Terrible experience, will never ever use Paypal or Xoom! Just avoid this company and use others!

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    Customer ServiceStaff

    Reviewed June 8, 2023

    Last year I sent money to Colombia, and they deducted it twice from my bank account; then, I made a claim on XOOM, and they told me they couldn't do anything anymore. This year 3 days ago, I sent $500 to my son, and they deducted it again 2 times. I called 10 minutes later when I saw 2 transactions in my email. A XOOM employee answered me, no problem, I have already passed the report. However, today, I looked. They took the money twice, it is a financial institution in which there cannot be these errors, so this is planned; it is a way of stealing, and it must be brought before public opinion. This morning I spoke to another person with the same problem; we think we need to make a YouTube video and invite everyone who has been through this to file a complaint online, and we will look into a joint lawsuit for fraud and breach of trust since taking money without consent is that.

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    Customer ServiceStaff

    Reviewed 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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    Reviewed 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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    Reviewed 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.

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    Xoom Money Transfer Company Information

    Company Name:
    Xoom Money Transfer