Xoom - Independent review

All you need to know before sending money with Xoom


Xoom review by Monito

Xoom is a leading money transfer provider to send money from the United States to 56 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, reload airtime, or pay utility bills (in 10 countries including Mexico, Guatemala, Nicaragua, Panama, Vietnam and the Philippines). Xoom was acquired by PayPal in 2015 and their services are now integrated. This means that if you already have a bank account linked to your PayPal account, you can use it to transfer money with Xoom.

If you regularly send money to the same people, Xoom’s “Quick Send” feature allows you to easily send money to an existing recipient in two easy steps. Thanks to Xoom’s mobile apps, available for Apple iOS and Google Android, it is also possible to send money on the go. Xoom’s customer service is available 24/7 in English and Spanish, and you will be kept informed of the status of your transfer with text updates or email notifications.


Xoom’s customers give the service a score of 7.3/10 on Trustpilot. While 80% of review give Xoom five stars, often praising the speed of the transactions, almost 10% of them had a bad experience and gave them only one star. Most of the negative comments concern transfers delayed due to compliance issues, or customers complaining about the hassle of sending documents to Xoom for compliance reasons. Xoom’s customer service answers all bad reviews on Trustpilot, trying to solve all issues promptly.

Documents required and payment limit

The maximum amount 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 the following documents:

  • ID (passport, driver’s license, etc.)
  • Proof of income
  • Proof of residence

When increasing your limits, Xoom’s customer service will also ask you to answer four questions about your transfer: 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 13,000 agent locations (including Walmart, Farmacias Guadalajara and Isseg, BBVA Bancomer, BanCopeel, Banorte and Elektra).

You can also send money to any Mexican bank, top up the airtime of your friends and family for five carriers (Movistar, Nextel, Iusacell, Tekel and Unefon), and even pay your family’s bills from 9 companies (CFE, dish, gasNatural, Iusacell, IZZF, Nextel, Skyl, Telmex and Telnor).

Send money to Colombia with Xoom

Whether you wish to send money to Colombia in cash or to a bank account, Xoom allows you to send money to your family in Colombia easily through their partner networks (Bancolombia, Exito, Davivienda, Financiera, Pago Internationales, etc). More than 1400 cash pickup locations are available and Xoom can send money to all majors banks in Colombia.

For small gifts to your friends and family, you can top-up their mobile phones through Xoom if they are using Claro, Moviestar or Virgin Mobile.

Send money to Guatemala with Xoom

With 9,588 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 all major banks in Guatemala, and since recently, 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 15,517 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 will be instant for accounts at BDO, Metrobank, RCBC and PNB. You can also send money to any other bank account, although the delivery time will be a bit longer.

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 will be delivered in less than 6 hours if your recipient lives in Manila, or in 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 and Globe.

Send money to Vietnam with Xoom

You can send US dollars or Vietnamese dong to over 400 pickup locations throughout Vietnam in a few minutes; make instant bank transfers to Vietcombank, or in minutes transfers to Sacombank, Vietinbank and DongA; or even have your money delivered to your recipient’s home within two days.

As for many other countries, you can send airtime to your relatives that use the following carriers : Beeline, Mobifone, Vietnamobile, Viettel and Vinaphone.

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Key facts about Xoom

Service information

Time to open an account A few minutes
Pay-in options Credit card
Debit card
Bank Account
Mobile wallet
Pay-out options Cash
Bank account
Bill Payment
Airtime top-up
Minimum amount No
Maximum amount Yes
Can you transfer from your mobile? Yes
Available languages
Personnal transfers Yes
Business customers No
Advanced currency contracts No
Required documents ID, Proof of Address, Proof of Funds
iOS app Yes
Android App Yes

Company information

Type of service provider Online money transfer operators
Active since 2001
Headquarter San Fransisco
Offices in United States

Contact information

Contact support https://www.xoom.com/contact-xoom-customer-service
Service hour 24/7
Phone (877) 815-1531