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Monito is a comparison website for international money transfer services.

We compare and review more than 350 money transfer operators, to help you find the best option for each of your international transaction.

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All you need to know before 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 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.

    How does 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.

    Fees & Exchange Rates

    Xoom is rarely the cheapest option

    This indicator is based on the percentage of searches on Monito for which Xoom is the cheapest provider


    Xoom doesn't offer special promotions to Monito users


    Monito cannot access real-time pricing information from Xoom


    Ease of Use

    Very few Monito users going to Xoom end up making a transfer with them


    Credibility & Security

    Credibility & Security 8/10


    Xoom is fully licensed and authorized


    Xoom has a good number of positive customer reviews


    A very large number of customers already trust Xoom


    Xoom employs a very large number of employees


    Xoom has already transferred at least 5 billion USD for their customers


    Xoom has been mentioned in countless recognized media outlets


    Xoom isn't part of Monito's network of trusted partners


    Xoom is a long-established company


    The points above are added to calculate the "Credibility & Security" score of Xoom, who scores 8 points on a maximum of 10 points.

    Customer satisfaction

    Customer satisfaction 8.1/10


    Xoom has a very high percentage of excellent customer reviews


    Xoom has a very low percentage of negative customer reviews


    Xoom has a good number of positive customer reviews


    The points above are added to calculate the "Customer satisfaction" score of Xoom, who scores 8.1 points on a maximum of 10 points.

    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.

    Customer support

    Monito cannot contact Xoom on behalf of our users



    Xoom applies the same fees and exchange rates to all customers


    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.

    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.

    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.

    Compare Xoom to 300+ other providers

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    Questions you may have

    Read our guides on sending money abroad