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Xoom Review, Exchange Rates, Fees Calculator & User Score

  • Fees and costs: Average
  • Transfer speed: Good
  • Safety and reliability: Very Good
  • Customer satisfaction: Good


  • PayPal support
  • Good security and Money-guarantee protection
  • Reliable Customer Service


  • Higher fees with bigger amounts
  • Detailed and long verification process
  • Exchange Rate mark up

0 users would recommend it

0 users wouldn’t recommend it


What is Xoom?

Xoom lets you transfer money securely online through one person to another. They operate worldwide. Users can also use the service to pay their regular bills like electricity, telephone, or gas. They are now a part of PayPal services after being acquired by the company.

How Does Xoom Work?

The main idea is to make it easy to send international payments online without any need for going to your money transfer facility, standing in queues and filling out paperwork. You can send the payment with your computer or mobile device.

Cash Delivery Option

One of the interesting features is the option to have your cash delivered to a person’s house. One can also go to a partnered facility and pick the money there or have it send to his personal bank account.

Xoom Transaction Speed

If you are wondering how fast is Xoom, the time depends on the payment method. In many cases, the funds are available in minutes or up to an hour. The process can extend to 2-3 days because of your bank operation times or additional verification requirements.

Xoom Fees and Costs

Most of the fees come with processing the debit or card credit payments, while regular bank transfers often don’t require additional costs or cost up to $4.99. However, they are not available in all countries. In other cases, you should be prepared for fees from $4.99 to even a few hundred, as the costs increase with the amount. To determine the final Xoom transaction cost, you can use the fee calculator provided on their site.

Sending $1,000 to India and paying with a debit card would cost, for example, $30 in fees. On the other hand, sending $9,000 would cost even $271.

Xoom Money Transfer Rate

Part of the income for the company comes from the rounded exchange rates, when transferring your currency. The margin is not that significant, but it rounds up to the nearest whole number and impacts the final cost of the transfer.

Xoom Limits

The limits are based on the local regulations and differ from country to country. US citizens can send up to $2,999 per day, while in Europe it is 1,000EUR. There is also a monthly limit for basic users set at $6,000 and 3,000 EUR. You can increase the amounts by going through additional verification steps. Then, you could send even up to $50,000 per day using Xoom services.

Xoom compared to wire transfer and banks

The design of the platform and mobile app makes it very easy to send money worldwide, and you don’t have to worry about going to a bank and setting up an international money transfer. In many cases, the transaction is processed very fast. In terms of fees, the rates vary based on the amount you are trying to send, but they are often cheaper than mainstream financial institutions.

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How to use Xoom?

How to sign up?

Go to here to a Xoom website and click sign up. You will need to provide your basic information and then undergo a verification process before making your first international transaction.

As with any other legal, financial services, you need to provide your information and upload images of your ID for the identity verification. You need to scan it, or you can simply take photos with your smartphone and upload it to their site. Sometimes, you have to take a photo of you holding the documents, so that they know it’s really you.

Users are also reporting that in some cases, the support team will contact you to ask you some additional questions about your money destination, why you are sending it, who is the person that you are sending it. While the questions may seem to be quite personal, it is all done to prevent crime or money laundering attempts.

Connect Xoom to PayPal

As Xoom is a PayPal service, one can easily connect both the accounts. If you don’t have a Xoom account yet, you can create it from your PayPal account. After logging in to PayPal, you will find new international payment offers. You can access them by clicking Send & Request at the top of the page.

Is Xoom safe and reliable?


When it comes to Xoom technical side and security of the platform, they use additional 128-bit data encryption and VeriSign SSL Certificate to protect user information and accounts. TRUSTe also certifies them. Therefore, they comply with all the privacy and security laws and regulations. By being a part of the PayPal company, they are also regulated by the federal government and by various U.S. state governments and agencies. Therefore, it is safe to send money through Xoom.

Xoom Money-back Guarantee

One of the biggest advantages of the project is the money-back guarantee policy. This means that if, for some reason, the recipient doesn’t get your money, the transaction will be fully refunded.

Public Reception

In 2010, they were awarded the title of “highest consumer satisfaction ratings in the transparency of the fee, transparency of the foreign exchange, and value."

As they are also a part of PayPal, which is one of the biggest online payment processors, they benefit from their development funds, technological solutions, and experience.


After researching Xoom Reviews, you can say that people are, in most cases, happy with the service. Most of the complaints come with the increased security measures on the bigger transactions, as the verification process may be uncomfortable.

“I have been using Xoom for few years now and they have always been very professional and provide the best service. I have usually transferred smaller amounts but this time I made a big transfer and it worked just fine. Xoom made additional background checks to ensure the transaction is legitimate which delayed the transfer a bit but that's worth the wait for security reasons. I will definitely recommend Xoom to anyone!” ~ Ameya on ConsumerAffairs

“The charge of $7.99 for each transfer is a little on the high side. You certainly could lower the transfer fee [...]” ~ says Lois on ConsumerAffairs

“I have been trying to send money abroad for over a week now. I have talked to customer service twice, each time I was assured I had submitted all the information needed. Just to get another email hours later asking for MORE information. They ask for personal and intrusive information and offer no help. This service was supposed to be fast and easy, it was ABSOLUTELY neither.” ~ Alecia in her Trustpilot review

The majority of reviews praise the platform but taking into consideration the negative ones a potential client has to prepare for enhanced verification measures and lots of questions before the international transfer is processed.

“Four days later, money is still not transferred. This is from a long time paypal customer with a direct link to a bank. I don't appreciate having to tell my life story to transfer money. Very intrusive, very slow, very painful.” ~ Jose on Trustpilot

Customer Support

The help center is very well developed and answers most of the important questions on how to send, receive, and handle the money. User can also ask his own questions or contact the customer support team. You can call their phone number or contact them via chat or email.

Final Thoughts

Xoom Money Transfer Review

Undoubtedly, Xoom is a reliable service, and being part of the PayPal family benefits them. The service is easy to use and has a well-designed mobile app. The fees vary significantly, but the transaction time is quite good. The increased security and encryption act as an advantage for any online payment processor.

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