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.


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5,231 customer reviews on Xoom on Trustpilot

23 hours ago
by Rohit Darji

5 stars

i use xoom last two years.good …

i use xoom last two years.good experiance.very good service, good exchange rate

23 hours ago
by Hemant Tawri

5 stars

Fastest and Great Service and exchange …

Fastest and Great Service and exchange rate are also up to the mark...

23 hours ago
by Rashmi Verma

5 stars

Fast and convinient international fund transaction

Transfer of fund from USA to Indian bank account was very simple, fast and convinient.

More reviews

23 hours ago
by Ramon Avila

5 stars

Fast and prompt service

Fast and prompt service, when it’s needed the most it delivers.

23 hours ago
by Anil Upendram

5 stars

You guys handled it with due …

You guys handled it with due responsibility and ease. Keep it up

23 hours ago
by Srinath Miriyala

5 stars

Click and go...!

Click and go...!! no problems ever and no delay ever...!! Rates are good and you are making it better...

23 hours ago
by Amy Schmitz Ruiz

5 stars

This is a quick and efficient way to …

This is a quick and efficient way to send money internationally and the fees seem to be lower compared to other companies.

23 hours ago
by Geny Anthony

5 stars

Most user friendly app and website for …

Most user friendly app and website for money transfers yet

23 hours ago
by Sultan Virani

4 stars


It is the most reliable and genuine site to transfer funds. I am using from last so many years and their Quick Send is amazing

23 hours ago
by Andres

5 stars

Good service

I am glad the promptness for transfering fund came back to xoom. Good service ! Positive

1 day ago
by Barbara Ford

5 stars



1 day ago
by Sanjeev

5 stars

Fast and reliable service

Easy and fast

1 day ago
by Cavin D'souza

5 stars

Awesome service

Easy to use interface, quick and efficient.

1 day ago
by Manjunath Bhat

5 stars

They are fast and offer the prices up …

They are fast and offer the exchange prices up-front.

1 day ago
by Kalyan Parsi

4 stars

Works like xooooom

Xoom experience is really good. And the mobile app looks fast. But one question is , if I wanted to send 100 dollars the transfer rate is different and...Read more

Xoom experience is really good. And the mobile app looks fast. But one question is , if I wanted to send 100 dollars the transfer rate is different and if I want to send more like 3 grand dollars. The transfer rate is different which is high and which is a good thing. But I came to know about that after I imitated the transfer only. Is this expected ? And if yes , why cannot you promote it so that many customers can get on to your app

1 day ago
by Cristian Torres

5 stars

Very trustable and fast

Very trustable and fast, I use xoom for everything in my life. Totally recommended I have been using it for more than a year and safes me time every time .

1 day ago
by Betsy Nolan

5 stars

Why would you use anyone else to transfer funds?

Easy, fast, inexpensive, secure. What more do you need.

1 day ago
by Len Brault

1 stars

Most attempts to send money fail

You people arbitrarily change the locals and people you are willing to service. Half my attempts to send money are a fail. I wind up using bank wire...Read more

You people arbitrarily change the locals and people you are willing to service. Half my attempts to send money are a fail. I wind up using bank wire transfers. And when there is a fail, it's impossible to get good information easily as to why a transaction type or locale that was fine 6 months ago won't work now. You have an arrogant attitude toward your customers.

1 day ago

5 stars

Xoom was very simple to use

Xoom was very simple to use, money was deposited instantly in india bank account.

1 day ago
by Natasha S

5 stars

I have used it for about 5 years

I have used it for about 5 years, and love love love it!

2 days ago
by May Miller

5 stars

Always on time

Always on time . No hassle,sending charge is good.

2 days ago
by Paul Murphy

5 stars

Easy to use

Easy to use and fast money transfer times! A++

2 days ago
by Daniel Dale

5 stars

Great money transfer service!

Pros: Pretty easy interface to use. Fast transfer. Good customer support. Good rates. Cons: Service is good, nothing much to say actually. I got an...Read more

Pros: Pretty easy interface to use. Fast transfer. Good customer support. Good rates. Cons: Service is good, nothing much to say actually. I got an email update before the deposit went into recipient's bank account. However it was credited later. Email update timing can be little better so that customers doesn't get panic. :)

2 days ago
by Roberto

4 stars

Xoom works well and is quick

Xoom works well and is quick. However, I think their exchange rates are much less favorable than they should be.

2 days ago
by Aniruddha

5 stars

Funds were transferred in reasonable …

Funds were transferred in reasonable time, I was kept informed throughout the process.

2 days ago
by Rashed Hossen

5 stars

I can trust on xoom more than a bank.

I can trust on xoom more than a bank.

2 days ago
by Mukundan Desikan

5 stars

Fast money transfer

Fast money transfer , easy to use website and a great customer service

2 days ago
by Sarad KC

5 stars

Great service

Great service

2 days ago
by Danny Chiu

5 stars

Fast and reliable!

Fast to transfer money to friends and relatives aboard!

5 days ago
by Vudata Raja Rao

5 stars


Awesome ! The recipient got the money deposited in their account in few seconds..

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
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

Find the best provider for your next transfer

The cost of sending money depends on the amount of money sent, the countries you're sending between, and the type of transfer. Make sure to compare before each of your transfers as costs also vary through time.

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