How to Send Money With Xoom: Globally and USA [ In 2024]

If You are an Xoom user and want to know How To Send Money With Xoom, then you are at the right place. To send money with Xoom, first open the Xoom app, select a payment method, enter the recipient details and payment information, and confirm the transaction.

Xoom is a PayPal service that allows you to send funds internationally with ease. Whether you’re supporting family members, assisting friends, or managing business transactions, Xoom provides a reliable and efficient platform for global money transfers. 

Here is everything you need to know about How To Send Money With Xoom.

See: What is Xoom and How Does it Work?

How to Send Money With Xoom in USA 

Sending for Cash Pickup

  • Enter Amount: Enter the amount you want to send.
  • Recipient Details: Provide your recipient’s name, address, and phone number.
  • Choose Location: Select a convenient cash pickup location, including Walmart and Ria.
  • Payment: Pay easily with your selected method.

Sending Bank Deposits

  • Specify Amount: Enter the amount to deposit.
  • Deposit Type: Choose between a Bank Deposit or a Debit Card Deposit.
  • Bank Selection: Pick any bank in the US, including Bank of America, Chase, Wells Fargo, or Citibank.
  • Recipient Details: Enter secure account or debit card details.
  • Payment: Complete the transaction using your selected payment method.

Sending to Visa or MasterCard Debit Cards

  • Enter Amount: Enter the send amount.
  • Deposit Type: Choose Debit Card Deposit.
  • Recipient Details: Enter your recipient’s debit card number and expiration date securely.
  • Payment: Complete the transaction using your selected method.

How to Send Money With Xoom Globally 

Sending money internationally with Xoom is a simple process. Follow these simple steps:

1. Go to Payments in the App

Open the Xoom app and navigate to the Payments section.

2. Choose Your Delivery Method

Select your desired delivery method, whether it’s cash pickup, bank deposit, or mobile wallet.

3. Follow the Prompts

Provide the amount, recipient details, and payment information as prompted by the app.

4. Confirm and Send

Confirm the transaction details and click send to transfer your money.

See: How to receive money from worldremit.

Xoom Money Transfer Fees

Fee for Debit Card Deposit

Paying withFee in USD
PayPal balance$3.75
Bank account$2.00
Debit card$4.00
Credit card†$4.00

Fee for Bank Deposit

Paying withFee in USD
PayPal balance$3.75
Bank account$2.00
Debit card$4.00
Credit card†$4.00

Fee for Cash Pickup

Paying withFee in USD
PayPal balance$5.99
Bank account$5.99
Debit card$5.99
Credit card†$5.99

Note: Your credit card company may charge a cash advance fee

Xoom Transaction Processing Time

Xoom money transfers are known for their impressive speed, with funds becoming available to the recipient in just a few minutes. 

However, it’s important to note that in some cases, the transfer process may take a few days. Xoom is committed to delivering your money promptly to its intended destination.

Factors Affecting Transfer Time 

Several factors play a role in affecting the processing time for Xoom transactions. These include:

Country of Destination: The speed of your transfer may be influenced by the recipient’s location.

Transfer Method: Whether you select bank deposit, cash pick up, or home delivery, the chosen transfer method can impact processing time.

Payment Method: The speed of your transaction may vary depending on whether you choose to pay with a debit card, bank account, or credit card.

Functionality of Xoom 

Sending Money with Ease

Xoom offers a convenient money transfer experience worldwide, allowing users to send funds to bank accounts, debit cards, or mobile wallets based on the recipient’s needs.

Multiple Options for Recipients

Xoom provides multiple payout options, allowing users to choose between pick-up or home delivery. This ensures that recipients can access their funds in the most suitable method.

International Bill Payments

One of the main features of Xoom is its ability to facilitate international bill payments, making it convenient for both money transfers and financial requirements.

Mobile Phone Reloads

Xoom users can easily recharge their prepaid mobile phones without needing physical vouchers or in-person transactions, providing a convenient solution, especially in regions where mobile phones serve as a primary communication tool.

See: Remitly Review.

Xoom Security and Privacy

Xoom ensures the security of your transactions:

  • Encryption and Fraud Monitoring: Your financial information is secure 24/7.
  • Money-Back Guarantee: Xoom guarantees a full refund if your transaction doesn’t reach the desired account.

Additional Tips

Compare Fees: Discover Xoom’s fee structure, which may vary by destination and transfer amount.

Security Measures: Xoom prioritizes the security of financial information. Please take a moment to inform yourself of the security measures implemented by Xoom to ensure a safe transaction.

Explore Alternatives: Although Xoom is a reliable option, it’s worth exploring other money transfer alternatives that may be more cost-effective and efficient for your needs.

See: To Instant Money Transfer apps.


Xoom simplifies the process of sending money globally, providing users with a user-friendly platform. With clear steps, transparent fees, and diverse funding options, Xoom, supported by PayPal, ensures a trusted and secure experience. 

Whether supporting family or participating in international transactions, Xoom stands out for its simplicity, cost-effectiveness, and real-time tracking capabilities, making it a trusted choice for global money transfers.

We hope that this content about How to Send Money With Xoom is very helpful to you.

See: Xoom Money Transfer Review.


How much does Xoom charge to send money?

The charge for transactions up to $999 is $5.99, and the charge for transactions over $999 is $9.99.

Does Xoom use your PayPal balance?

Xoom will only show you your PayPal balance if you have sufficient balance in the desired currency to cover the full amount of the transaction

What is the difference between PayPal and Xoom?

Xoom specializes in international money transfers, while PayPal offers a wide range of online payment services.