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All you need to know about sending money with Xoom

How can you use Xoom to send money abroad? Is their service reliable? Can you trust Xoom with your money? How good are their fees and exchange rates?

    Our independent review of Xoom

    Xoom is a leading money transfer provider to send money from the United States and Canada to over 130 countries around the world.

    You can pay using your bank account, debit or credit card. Depending on the country you are sending money to, the money can be delivered as cash, deposited in a bank account, airtime top-up. You can also use Xoom to pay utility bills in 9 countries: Colombia, Costa Rica, Dominican Republic, El Salvador, Honduras, Mexico, Guatemala, Nicaragua, Panama and Vietnam). Xoom is owned by by PayPal and their services are integrated. Because Xoom is part of PayPal, you can use a PayPal-linked bank account, credit card, or debit card, but note that you can't out of your PayPal balance.

    Xoom’s offers mobile apps for Apple iOS and Google Android and their website is available in English, Spanish, Portuguese, Vietnamese, Korean and Simplified Chinese. You are kept informed of the status of your transfer with text updates or email notifications.

    Xoom

    What we like about Xoom

    • Excellent network of delivery options and cash pickup locations in Mexico and the Philippines.

    • They offer a particularly large number of transfer options to Latin America in general

    • Fast transfers to many countries

    • Reliable customer service

    What we dislike about Xoom

    • Only available to customers in the US and Canada

    • Exchange rate markup is not transparent

    • Total costs are often higher than competing money transfer options

    Alternatives to Xoom

    How Xoom works

    Open an account

    Visit Xoom's website and open a free account

    Enter the details about your recipient

    Tell Xoom where you need to send money and to whom.

    Set-up your transfer with Xoom

    Enter how much money you want to send and how you want to pay for your transfer.

    Pay for your transfer

    Fund your transfer by making a local bank transfer or pay by debit or credit card

    Let Xoom do the rest

    Xoom will convert your money in the recipient's currency and send it to him through the selected pay-out option.

    Xoom Fees & Exchange Rates

    Fees vary according to the country combination, how you pay for your transfer and the money delivery option you choose. For example, transaction fees are generally anywhere between zero and US $5. Exchange rates are above the mid-market exchange rate.

    Customer satisfaction

    Xoom’s customers get five stars on Trustpilot. Over 12,000 customers have reviewed their services, and over 85% of the reviews give Xoom five stars; 4% gave them one star. Xoom’s customer service responds to bad reviews on Trustpilot, trying to solve all issues promptly, which is always a sign of solid customer-centric attention.


    Positive

    • Transactions speed
    • Smooth and easy-to-use service
    • Excellent customer service

    Negative

    • Some customers complained about the hassle of sending documents to Xoom (which is generally required for legal/compliance reasons)
    • A few were unhappy that transfers were cancelled several days after putting a transaction through, and were confused as to why
    • High fees and poor exchange rates

    • Xoom’s mobile apps for Apple iOS and Google Android is highly rated across both app stores. It rates a 4.8/5 rating on the Apple App Store and a 4.3/5 on the Google Play Store. You are kept informed of the status of your transfer with text updates or email notifications. The app is available in English, Spanish, French, German, Italian, Korean, Polish, Simplified Chinese and Vietnamese.

    Documents required and payment limit

    The maximum send amounts you’re allowed to send with Xoom is $2,999 per day,. Without providing documents, you also have a limit of $6,000 per month and $9,999 for a six-month period.

    You can increase these limits by providing additional documents. Fir example, US residents need to provide the following:

    • ID (passport, driver’s license, etc.)
    • Proof of income (pay slip)
    • Bank statement

    When increasing your limits, Xoom’s customer service will also ask you to answer a few security questions about your transfer such as your relationship with the recipient, why you’re transferring money, if you’re sending money on behalf of someone else, and your current occupation.

    Send money to Mexico with Xoom

    Xoom allow you to send money to more than 35,000 agent locations (including Walmart, Farmacias Guadalajara, OXXO, Soriana and Elektra as well directly to someone's bank account at all major Mexican banks including BBVA Bancomer, BanCopeel, Banorte and BanCoppel.

    You can also top up the airtime of your friends and family for five carriers (Claro, Telcel, Movistar, Iusacell, Nextel, and Unefon), and even pay utility bills from several companies (dish, gasNatural, Iusacell, IZZF, Sky, Telmex and Telnor).

    Send money to Colombia with Xoom

    You can send money to almost every Colombian city, including Cali, Bogota, Medellin and Cartagena, in cash or directly to a bank account, Xoom allows you to send money to your family's bank accounts in Colombia. Transfers are available to all major banks in Colombia including Bancolombia, HSBC, BBVA and Banco Popular) and easily through their partner networks (including Carulla, Exito, Davivienda and Pagos Internacionales). More than 1500 cash pickup locations are available

    For small gifts to your friends and family, Xoom enable you to top-up their mobile phones on the Claro, Moviestar, Tigo, Avantel or Virgin Mobile networks.

    Send money to Guatemala with Xoom

    With over 9,500 cash pickup locations, Xoom has Guatemala covered if you want to deliver money in cash. Xoom’s network in Guatemala include Banrural, Banco Industrial, and even El Gallo más Gallo.

    You can also send money to banks in Guatemala, including Banco G&T Continental, Banco Industrial and Banrural or reload the phones of Moviestar, Claro and Tigo customers. It is also possible to pay the EEGSA and Energuate bills of your family.

    Send money to the Philippines with Xoom

    Xoom is used by a lot of Filipinos to send money back to the Philippines. You can send money to over 10,000 pickup locations (many of which are open 24/7) and your money is usually available in a few minutes only. If you send money to a bank account, the delivery is instant for accounts at BDO, Metrobank, Land Bank and PNB. You can also send money to any other bank account, although the delivery time will be a bit longer. There are no fees if you send over US $200 to a Philippine Peso bank account and pay with a bank account

    The Philippines is one of the only countries in which Xoom offers cash delivery at your recipient’s home at no additional fees. The money can be delivered in less than 6 hours if your recipient lives in Manila, or roughly 1-2 days to most other provinces.

    If you want to send an airtime top-up to reload your recipient’s mobile phone, Xoom allows you to reload numbers from Sun, Smart, SmartBro and Globe. You can also pay for your family's local utility Smart and PLDT bills.

    Send money to Vietnam with Xoom

    You can send US dollars or Vietnamese dong to over 900 pickup locations throughout Vietnam in a few minutes. Bank transfers to Vietcombank, Sacombank, DongA and Vietinbank can generally be done in minutes and quick bank transfer . can be done to other major banks. You can also arrange for money delivery to your recipient’s home--in major city's this is usually done in the same day, in all other locations it requires about two days.

    You can also send airtime to your relatives that use Beeline, Mobifone, Vietnamobile, Viettel and Vinaphone, or pay for their utility bills such as VNPT and EVNHANOI.

    Monito compares money transfer fees around the 🌎


    • Why you can trust Monito's reviews

      Monito's mission is to help you (and thousands of others each day) find the best providers for your money transfers.

      We do that by providing real-time comparison of exchange rates and fees (you can use the form below to make a comparison) and by writting in-depth reviews about money transfer providers.

      We have partnerships with many money transfer providers (Xoom included), which help us get access to their exchange rate and fees information (which we always check for accuracy). Those partnerships help us support our activity and offer our service for free.

      We put a lot of efforts to review money transfer providers like Xoom in details and based on objective and verifiable criteria. A good example of that is the in-depth User Experience Benchmark Study we conducted in August 2018.


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    Questions you may have

    Read our guides on sending money abroad