Xoom Money Transfer
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.
Overall Satisfaction Rating
- 5 stars
- 4 stars
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- 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
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.
Xoom Money Transfer Reviews
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I have had a PayPal acct for years. Tried to send funds through Xoom and because I asked why they need to know my relationship of recipient and reason for sending money they permanently cancelled my acct stating only that my acct could not be verified. I did not refuse information. I simply asked why they needed to know those two things when I have provided all documentation of who I am. DO NOT USE THIS SERVICE!!
Be aware of this company. They cancelled my account permanently. I called them and they said they decided to cancel for security AND denied to let me know the exact reasons. (Of course they did withdraw the money from my bank account and kept it for a few days.) Beside doing a normal/regular transfer to my home country, I did NOTHING else. Be careful before.
I am traveling in Europe. I answered all their questions and sent the money to my friend 2 days prior to leaving. Everything seemed fine. After I get to Europe, I got an email to call them. I spend $30 to get a new sim card with phone time and called them. I sat, went through extensive teleprompts and sat on hold an extended period. I answered all the questions and it seemed it would be done. Then I got an email asking for a copy of my driver's license. I paid $100 for a VPN to send it securely and I sent it. Then wait another day...now they want my bank statement. This of course is none of their business and I started to wonder if they are the scammers. A week after initiating the transaction I have spent $130 and received nothing. They are not running a business but are running an inconvenience system. I worked in banking for 30 years and know what is necessary and reasonable. Don't use this service.
I have been using PayPal for many years, in the the past few weeks they have stopped numerous transactions and requiring extremely detailed information and they still refused to send the money I need to send. I am sending money to a family member for my niece for her college tuition and also for another family member that has died and I am trying to help with funeral expenses.
Paypal has now terminated my account on the grounds and I quote: "It is a violation of Xoom’s User Agreement to use the service for any of the following activities, including but not limited to: sexually-oriented materials or services; gambling activities; or commercial transactions that involve tobacco, firearms, prescription drugs, or other controlled substances. What part of a funeral and college tuition is involved in any of that? Xoom is making accusations and alleging I am committing these acts, when in fact the allegations are completely false. I know for a fact I am not alone in their slander campaign against honest law abiding people. I am only trying to help out family members. I am currently seeking legal advice and if you have been affected by the Xoom slander campaign you should seek legal advice as well to clear your name.
Xoom will not transfer money to a business account in Mexico and they cannot transfer to Banco Azteca. Their user interface and customer service does not provide clear information or implement restrictions introduced by the receiving countries, resulting in delayed or cancelled transactions. I’ve used Xoom for years without problem to transfer from the US to a Mexican bank (BBVA Bancomer) but since mid 2021 they have been highly unreliable. Xoom blames it on their “partner” which restricts amounts transferred, require extra information such as bank statements, introduce long delays in the transfer process and even cancel transfers because transfers exceed limits set by these “partners”. These apparent limits are much lower than the published Xoom limits but there is no documentation on what these limits are.
Xoom customer service provided information on the limits in response to my email query. Something like US$600 per transaction and US$1,000 per month though I successfully transferred $5,000 in a single transaction. Apparently these limits were not built into their web operations. Earlier transactions triggered an investigation of money laundering which required exactly the same documentation that Xoom’s “partner” had required me to send them. My most recent transaction was cancelled without explanation. When I enquired why, I was told because I didn’t send my supporting documentation quickly enough. I sent it the same day that I received the email request.
As with most of my transactions requiring additional documentation, I was sent an email on the day I initiated the transaction saying that their “partner” had detected an issue which may result in a “short” delay. It then took a week for the follow-up email asking for more documentation. When I pointed out in the latest transaction that I had responded immediately to the request for more information xoom changed the reason for the cancellation to “the recipient was unable to receive funds”. The format of these customer service email responses is always close to identical with only the reason being different. It suggests that a computer rather than a human being is responding. None of these problems have arisen with wire transfers arranged through my US bank or with another online transfer service I have recently started to use in place of Xoom.
I sent two sets of money transfers for cash pickup to Sierra Leone West Africa. I received emails that both transactions were ready for pickup. The first transaction which was for $50 was made 5 days ago. When the recipient went to pick up the money today he was informed that the money was not ready even though my Xoom status is showing the money available for pickup.
I called Xoom and they informed me that it was ready; after insisting that they investigate the agent then said that there is a hold in the transaction because of activities at their partner bank, and that the bank was not open until 8:00 a.m. California time. Later in the day this issue became compliance review; keep in mind that I am discovering this information while my recipient is at the location to pick up the money! The same thing happened with the other transaction - approximately $2,000. I struggle to understand how Xoom can send email that the funds are available for pickup while compliance investigations are ongoing, resulting in and causing humiliation, aggravation and lost time for the recipients and me. Here 12 hours later both transfer are still showing available for pickup then though they are not.
Service is good but the rate is very low and there is a big difference in exchange rate. Transfer is done in a day. If you want the money to send to your family emergency within a day or less then XOOM is for you. I stopped using it due to low rate.
I found Xoom when I was trying to transfer money to Kenya to a friend there who was having some difficulties. The first transfer was flawless. The second was cancelled, I called customer service and was asked a number of questions about how I knew the friend, I explained I grew up in Kenya, and had known the individual for years. They approved me for another transaction, except when I sent it, they cancelled it. I called again went through the same questions, was cleared to transfer, except they cancelled it again, and again and again, with the same conversation each time. Then finally one went through....or I thought it did. It was to take several business days to arrive.
I got no notice from Xoom, until the day the transfer was to be received, and then they told me they were refunding the transfer, and it too had been cancelled. I am back to old standby's like Western Union and Worldremit (I have no affiliation with either). I have no idea how anyone is using Xoom, unless Xoom is simply unable to operate confidently in Sub-Saharan Africa, and can actually be effective elsewhere in the world.
Finally the issue has been resolved after much back and forth.
Hi guys, I just wanted to share my horrible experience with Xoom. I have recently transferred $2500 from my account to Indian bank account using Xoom on 4th April. The amount was debited from my original bank account and on xoom it showed transaction was successful but when I checked my Indian account money never got deposited till date. I have been chasing xoom to know what is going on, I shared the actual bank account screenshots of as a proof where there was no deposit. I have speaking to 10's of floor manager on xoom but they are just going round and round. They are trying to prove me wrong by saying money has been deposited onto my account but actual bank account statement do not lie.
I also got to know from Xoom uses a partner bank to get money transferred to India and you will be surprised which bank is their partner. It's PUNJAB NATIONAL BANK. One of the most CORRUPT, FRAUD, USELESS government banks of India. I have made a complaint against Xoom for manipulating my money. I will fight to get my money back at cost from Xoom. Guys I'm serious now. If you do not want your money to get stolen by Xoom or Punjab National Bank…DO NOT USE XOOM ever, they are FRAUD.
After sending a few transactions, Xoom 'permanently restricted' my account without informing me. They claim I failed a verification check. They won't accept any new documents, etc. so I can verify myself. They won't tell me why I failed verification. They would tell me that I am permanently restricted from their products. They also suggest I recommend Xoom to friends.
This is a front for a money management app. They are listed as a money transfer app but what they are trying to do is to manage your finances and get you to upload your personal financial documents! After you give them all your financial info they will decide what you can and cannot transfer. Would not recommend this app. And do not send them your personal finical info. You should not be sending that info to anyone. This is not really a transfer app. There are other apps that will do it and not try to tell you what to do with your money and not ask for you financial info. Not recommend!!
I did a transfer through Xoom, and the money has been deducted from my account. After the deduction of fund, I received a message that it will take 6 days to deliver the money to receiver's account. Senders be aware that if you are using Xoom for immediate transfer, you will be regretted.
I have been using the services of Xoom from the beginning of 2020 onwards to send money to my wife in India. Majority of times, money was successfully deposited into the local bank account in India. A few times, the transactions were cancelled because the 3rd party bank which Xoom was using could not deposit the money into the local bank used by my wife, for unknown reasons, and that money was successfully returned back to my account. On Dec 4th, 2021, I had sent more than 10K to my wife, and 4 days later on Dec 8th the transaction status on Xoom and also the message sent to my personal email said that money was successfully deposited at the local bank into my wife’s account. Again 4 days later, on Dec 12th when my wife happily walked into the local bank to withdraw money from her account, she noticed that money which I had sent had NOT been deposited by Xoom.
When my wife informed me, I contacted Xoom, and the representative looked at the transactions and said that money had been successfully deposited into my wife’s account in India. After making many calls to both the local bank in India and to Xoom, the representative at Xoom requested for a bank statement from the local bank in India to prove that money had not been deposited into my wife’s account. When I submitted my wife’s bank statement to Xoom, the representatives of Xoom realized that I was in fact telling them the truth. Xoom then contacted the third-party bank (Punjab National Bank) which they were using and successfully refunded the entire amount back to me on Dec 17th, 2021.
My innocent family members, local bank staff in India where my wife has her bank account, and I went through a lot of tension and sleepless nights during these moments because it was the God-given hard-earned money which my family needed for support. I decided NOT to use Xoom anymore in my life to transfer money to India but instead I decided to use wire transfer transactions through a well-recognized bank because it is safe and secure even though it comes with a lower foreign exchange rate.
On a call I requested a supervisor. After holding for at least 20 minutes (she did at least check in once) the agent said the supervisor would call me back in 15 minutes. It has been more than an hour and a half and nothing. I will find someone else to do business with in the future.
I would caution trying to use Xoom based on my experience. My bank account is verified with Paypal. I entered a money transfer for the purpose of paying a deposit on an apartment I am renting in the UK. All the information was correct. I then received an email from Xoom asking me to provide my most recent bank statement and more details on the purpose of the transfer. I provided all of this right away. The next email I received was from Xoom saying the transaction had been canceled.
On the phone, the Xoom rep and supervisor would only tell me that they were unable to verify my account (a verified account with Paypal and after I had sent a bank statement) but could not tell me why. It was a waste of time, and I will not try Xoom again. Follow-up: Immediately after posting this review I tried the same transaction using Wise.com and it went through.
In September of 2020 in the middle of the Pandemic someone hacked my PayPal account from Indonesia and went into my bank account and did two separate money transactions. Luckily my banking institution noted this as a fraudulent transaction. However, this was very disconcerting to me and I immediately closed my PayPal account. However, the harassment from XOOM did not stop. They insisted that they wanted their money after my bank noted this as fraudulent. Even though they sent me an email that stated transaction was cancelled the emails continued. Xoom continued to push the bank to give them money from my account well into October of 2020.
On October 10th, 2020 they stated they were escalating this transaction through the Customer Verification Department. On 10/15/2020 I am still getting statement transactions trying to get their money. On 10/21/2020 they are still sending emails regarding PayPal so called binding arbitration. Supposedly this company was started by PayPal and I cannot believe that they allow this type of harassment to continue. On 10/22/2020 after I posted a review on BBB and Consumer Affairs XOOM sent a letter to me through the BBB. The gist of the message was that they were very sorry that my account was hacked and that my personal and financial information was compromised. They also stated that they were going to make sure that the account could not be used and closed as well as any collection activities would cease. However, this is not the case in the hear and now as I continue to get statements.
A year later September 2020 and I continue to get statements from XOOM even though they recognized they made a mistake and sent a letter of apology which stated they would close this fraudulent account. I just lodged another complaint with this company and this is what they said, "Thank you for reaching out to us about this concern. We're sorry to hear that. We’ve escalated your case to our Customer Verification Department so a specialist can assist you. You may also contact them directly at firstname.lastname@example.org." This message was sent on 8/18/2021. It is September 20, 2021 and I am still receiving statements from XOOM and no one has reached out to me. I am tired and frustrated with this whole process. I think everyone need to be aware of this problem.Sincerely,
On 6th August I ordered a cash pickup from my usual bank. I received a text message saying it was ready for pickup, went 3 times, teller said the funds were not available. I checked my bank account and the amount had been deducted 3 times. After several calls to Xoom, I received 2 refunds. More phone calls, promises of a final refund, but nothing came. Finally, I spoke to a very rude supervisor, who said the refund had been made, told me to contact my bank with a huge number of digits for a reference. My bank said they never hold funds. So, 37 days after the incident I haven’t received a penny, have spent several hours and pounds on phone calls, have been treated unsympathetically and rudely and Xoom still have almost £500 of my money. I am shocked, appalled and upset by their handling of my case. Xoom is fine until something goes wrong, even if it’s their error.
I Transferred $685.00 to a family in India who lost their income due to COVID_19 to their bank account on July 05, 2021. Within 2 hours, I received the message from Xoom that the transaction is complete. But, recipient never received the money. I sent the bank statement of the recipient to Xoom. Made several calls to Xoom (each time hold time is more than 45 minutes). I requested xoom to refund the money to my account which Xoom has not done yet. I will not recommend this service to anyone.
Without offering reason Xoom would not transfer funds which met highest standards of their policy and consumer protection. Agent said I would receive a call explain why within several hours. Never heard from them. Hard to believe a transfer could be more legitimate than this.
Transferred money through Xoom. They posted an update that transaction is successful. The recipient of the transaction notified me that money never got deposited in his bank. Then the nightmare started of calling Xoom customer service (minimum 30mins wait) several times trying to explain them that the recipient never received the money and they kept on telling me that they received it. Had to send them the recipient's bank statement to convince them. Surprised to see how they track their transactions and how can they provide false information to the customer. I think this is a fraud on their part.
After many years of service transferring funds to relatives. Xoom had now moved to an authoritarian posture. Demanding ID’s of recipients. Which we sent along with explanations of purpose of the transactions. We have a house that is maintained by our Daughter and lived in when we go there along with the rest of the family. Along with the monthly budget there’s a litany of unforeseen expenses. Especially now since Covid has killed plenty of jobs. Xoom closed our account and only says due to sending to a recipient that “may” have violated the user agreement! No other reason than that. They go on to say they will be unable to provide any other information and further correspondence will not be answered. This behavior is suspicious at the least. Possibly a blessing in disguise, I would suggest moving to another remittance provider. This behavior has all the signals of Xoom preparing for a “change”. Good luck.
They literally stole 1600 bucks from me. Don't use this service ever!!! Once you send money they won't even try to get it back. This service is crap! I wouldn't use this service again if they paid me to.
Xoom charged my credit card $204. After completely verifying the four step verification process that they required. It was completed. Additionally, they asked me to verify with my bank and credit card company in which was also verified and completed. But they charged my credit card $204, they immediately canceled the transaction and have not mentioned anything about refunding the $204 charge. This company is a scam and it is a foreign company. Do not trust.
This is only my experience. Xoom was a decent money transfer service. I have used the service for about 6 months. It started being a 7 to 12 minutes transfer service then about 2 months ago it became a 24 hour service, I was not happy with the delay but I put up with it for about 4 to 5 transfers with 24 hour delay. Now it’s taking over 3 days and the transfer is not complete and every day I called customer service their answer is the Mobile Wallet parter company have digital issues. In plain English that is not my ** problem. I told them today to complete my transfer in 2 hours or return my funds immediately and don’t bother marketing any products to me thru Xoom or PayPal.
When it works its brilliant, fast and cheap. However one would expect that when you do the same thing on the website you will get the same result. That's not the case. When I go to the payment page, sometimes you get the choice of payment methods (from Paypal balance, your linked bank accounts or credit card), which I want and which works well. But 3 out of 4 times it goes to another page where I have to choose between bank card or credit card, and you need to fill your credit card details. I don't want that. Why does it take different processes at different times? It's just a Wow/happy-reaction if the site suddenly decides to take you to the correct page. It shouldn't be that way. It should be consistent. It's a Computer. And if you send the problem to the service desk per email, you just get a very generic "how to" advise or excuse which does not consider your problem at all.
I received funds from my brother through PayPal and wanted to transfer the funds into my personal checking account with Rbc, I agreed to all the terms and fees and made the transfer only to get an email stating that the transfer was cancelled and to contact Xoom customer service. 5 days on I contacted customer service only to be told to verify my account which I did. Well now about the transfer into my bank account they now require my most recent statement of account, valid government id and a utility bill. I said I don’t feel comfortable with sending my statement of account as a void cheque should suffice but no they want a statement of account or the funds will be withheld. I requested to speak to a supervisor only to be put on hold for 3 minutes and yet no supervisor.
I was either going to send them all that they requested with them advising that after all is sent it will take 3-5 days for them to review it before removing the hold on my Xoom account to enable me to make money transfer. Long story short I returned the money to my brother via PayPal as I will never ever be bullied into giving Xoom my statement of account and their threat of holding onto the funds till I meet their requirements. No wonder they have numerous 1 star reviews. A company like yours Xoom should never be in the business of money transfer. Your customer service representatives are also rude, I had to teach the fella not to cut me off when am speaking as I obliged him that courtesy when he speaks. Overall a horrible experience. Avoid them like a plague and use other money transfer services.
Their service is excellent HOWEVER there is one freaking problem and that is they charge your credit card as CASH ADVANCE and not as a normal transaction as they used to in the past. Hence YOU GET HIT WITH CASH ADVANCE FEES AND DAILY INTEREST FROM YOUR CREDIT CARD COMPANY. In that case, it is better to send money through Western Union or a similar service since they have changed their ways of processing the credit card. I have used several times in the past for money transfer and never did they charge me as cash advance, NOW all of a sudden they change their policies. NEVER GONNA USE THEM.
I use Xoom to transfer money to my family in Vietnam for long time. The Xoom fee is $ 2.99 for bank account and $14 for credit card fee for sending $ 1200. In December 2020, I transferred $ 1200 by credit card and the credit card fee was charged by Xoom $ 14 then Xoom charge money from my credit card (no cash advances). In February and March 2021, I sending $ 400 and $ 1200 to my family and the Xoom got $ 7 and $ 14 credit card fees but Xoom got cash advances from my credit card so the Fidelity company charged cash advances fee and interest for me. The Xoom is a scam company, they charge a credit card fee but get cash and do not notify customers.
I understand that they want me to send in my bank statement. I get it, I really do. What I don't get is why the want to see all of the pages and if I send in all the pages why do they get upset if I redacted my transactions? I blacked out the transactions but I left the dates and amounts of each transaction. I cannot understand how that is relevant to their verification process. If their concern is keeping the customer safe then why are we sending our identification cards and bank statements to the PHILIPPINES? I have been waiting for a week and they still haven't replied to my email so as I'm writing this I'm on hold waiting for a supervisor at Xoom. I'm sure this is a big waste of time but I'll keep you updated.
I started using Xoom about 5 years ago and do about 3 transfers (bank to bank) a month since I live part of the time in Colombia. I usually would get my money to my bank in Colombia within 2 or 3 hours. Yesterday (Feb 24) for the first time when I transferred 200 dollars the system said that there was an error and transfer did not go thru. I waited a couple of hours and was going to send another transfer but checked my email and the transfer had gone thru. After 4 or 5 hours I still did not get my money into Colombia. I called them and now they said it would take no later than Mar 1. I checked my bank account in USA this morning and the money had been withdrawn but still the money was not in Colombian bank account. I am very disappointed since I need my money now. Anyone recommend another "transfer company".
Xoom Money Transfer Company Information
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- Xoom Money Transfer
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