Looking to send funds abroad with the confidence of PayPal behind you? Xoom offers a streamlined platform, transparent pricing, and flexible delivery speeds—making it simple to move money internationally. In this review, we’ll cover how Xoom works, its fees, standout features, pros and cons, trust credentials, and customer support.
Why Xoom Stands Out
- Backed by PayPal – Leverage PayPal’s infrastructure and security for worry-free transfers.
- Fast Delivery Options – Choose instant, same-day, or 1–3 business days for bank deposits, cash pickup, or mobile wallet.
- Transparent, Competitive Fees – All fees and exchange-rate mark-ups are shown upfront before you send.
- Global Reach – Send money to 130+ countries, with multiple payout methods per market.
- Seamless Digital Experience – Intuitive website and mobile apps with real-time tracking and push notifications.
How Xoom Works
- Sign Up & Verify
- Log in with your PayPal account or create a new Xoom profile.
- Complete identity verification (ID upload and, if needed, selfie).
- Select Your Transfer
- Enter the amount, source and destination countries, and preferred payout method (bank deposit, cash pickup, or mobile wallet).
- Review & Pay
- Xoom displays all fees and the exchange rate before you confirm.
- Fund your transfer via PayPal balance, linked bank account, debit/credit card, or Apple Pay/Google Pay.
- Track & Receive
- Monitor progress in real time via the app or email updates. Your recipient receives a notification when funds are ready.
Transfer Fees & Exchange Rates
- Instant Bank Deposit: Fees from $4.99, rate markup ~1.5%–3% above mid-market.
- Cash Pickup: Fees from $5.99, rate markup ~2%–4%.
- Mobile Wallet: Fees from $3.99, rate markup ~1.5%–3%.
- No Surprises: Xoom clearly breaks down your total cost and the exact amount your recipient will receive before you send.
Key Features
- Flexible Speeds: Instant delivery in some corridors; same-day or 1–3 days in others.
- Multi-Platform Access: Send via web, iOS, or Android app.
- Rate Alerts: Set up notifications for favorable exchange rates.
- Batch Transfers (Business): Upload CSV for multiple payouts in one go.
- Auto-Repeat: Schedule recurring transfers to save time and automate support.
Pros & Cons
| Pros | Cons |
|---|---|
| ✓ PayPal Integration – Trusted backing | ✗ Higher Mark-ups – Fees and rates above pure-play services |
| ✓ Multiple Payout Methods | ✗ Variable Pricing – Corridor-dependent fees and mark-ups |
| ✓ Fast Delivery Options | ✗ Verification Delays – First transfer may require extra ID checks |
| ✓ Real-Time Tracking | ✗ No Cash-in Options – Fully digital funding only |
Transparency & Trust
As a PayPal service, Xoom adheres to rigorous compliance and security standards:
- Regulated Under PayPal’s global licences, including in the U.S. and EU.
- Data Security: PCI DSS compliance, SSL/TLS encryption, and multi-factor authentication.
- Audit Trails: Detailed transaction histories and email confirmations for every transfer.
Customer Service & User Reviews
- Trustpilot Score: 4.0/5 from 20,000+ reviews, with users praising speed but noting fee variability.
- Support Channels: 24/7 live chat, phone support (in major markets), and extensive online Help Center.
- Community Feedback: Customers appreciate PayPal integration and reliability, while some recommend comparing costs for large transfers.
Conclusion
For senders who value security, speed, and the convenience of a well-known brand, Xoom delivers a compelling solution. While fees and exchange-rate mark-ups can be higher than niche digital-only services, Xoom’s PayPal integration, flexible payout options, and real-time tracking make it a top choice for reliable, hassle-free remittances.
Ready to send with confidence? Try Xoom today!
