Remitly Vs Xoom: Which Platform Is Best For You? (2024)

Remitly Vs Xoom? Sending money to friends and family across borders has become easier than ever with the help of online money transfer services. Remitly and Xoom are two of the most popular options for these transactions. 

With these platforms, you can securely send money to family and friends in different countries without the hassle of traditional methods like bank transfers. These services aim to make international money transfers affordable and accessible. 

In this detailed comparison of Remitly Vs Xoom, we’ll explore the features of both services to help you decide which one is best for you.

Also take a look at Remitly vs Wise.

Remitly Vs Xoom: Overview

Remitly: Remitly is a digital platform that provides international money transfer services, offering a secure and quick way to send money across different countries. 

The company is known for its transparency, affordable rates, and reliable delivery. With Remitly, you can quickly and securely transfer money to your loved ones abroad without going to a physical location.

Xoom: Xoom, owned by PayPal, offers fast money transfer services across many countries. With Xoom, users can send money, pay bills, and reload mobile phones internationally. 

The service works like an online platform that lets you transfer money quickly and securely. Xoom aims to make the process simple and efficient, allowing users to send funds with ease.

Supported CountriesOver 170Over 140
Payment MethodsDebit card, credit card, bank transferDebit card, credit card, bank transfer, PayPal balance
Delivery MethodsBank deposit, mobile wallet, cash pickup, home delivery (varies by country)Bank deposit, mobile wallet, cash pickup, home delivery (varies by country)
FeesCertain transfers can be low or no fees depending on amount, destination, and delivery method.Fees common, complex structure, varies by amount, destination, and delivery method
Exchange RatesGenerally competitiveMay not be the most competitive
Processing TimeVaries, generally faster options availableVaries, slower options possible
Ease of UseUser-friendly app and websiteUser-friendly app and website
Additional FeaturesPromotions, referral bonusesBill pay, currency exchange tools

Remitly Vs Xoom: Fees & Costs

Remitly: Remitly generally provides two types of transfers – Economy and Express. In economy transfers, the fees are lower, but the delivery time is slower, while in express transfers, the fees are higher, but the delivery time is faster.

Depending on the transfer type and payment method, Remitly’s exchange rates may vary.

Xoom: Xoom charges a transaction fee based on the payment method and destination country. Additionally, Xoom includes a currency conversion fee, which is a margin added above the mid-market exchange rate.

Suggested: Remitly Review.

Remitly vs Xoom: Features & Functionality

Remitly: Remitly offers multiple delivery options, such as bank deposits, cash pickups, and home delivery in some areas. Remitly also provides status updates through text messages or email to keep you informed about your transaction. 

They prioritize security to keep your transactions safe and secure. Additionally, it offers a tracking feature so you can track your money transfer and see where your money is in the process.

Xoom: The Xoom money transfer service has a unique feature called “Bill Pay.” With this feature, you can easily pay utility bills in different countries. Xoom is known for its fast transfers, which allow recipients to receive funds within minutes. 

Moreover, the service provides various delivery options, such as bank deposits, cash pickups, and mobile airtime reloads, giving recipients the flexibility to choose the delivery method that suits them best.

Suggested: WorldRemit vs Remitly.

Remitly Vs Xoom: Speed Of Transfer

Remitly: Remitly offers two options for sending money: Express and Economy. The Express option is the fastest, allowing the recipient to receive the money within minutes. It’s an excellent choice for emergencies when you need to send money quickly. 

On the other hand, the Economy option is more cost-effective but may take a few business days to reach the recipient, depending on the destination country.

Xoom:  Xoom focuses on fast money transfers. They provide options for instant or fast transfers depending on the recipient’s location. Xoom also offers instant or same-day transfers to certain countries if you’re using a debit or credit card, but these options come with higher fees. 

However, if you transfer money through a bank, it may take one to several business days.

Read this: WorldRemit vs Wise.

Remitly Vs Xoom: Safety & Security

Remitly: Remitly is a safe and secure online money transfer service. The company uses advanced technology to protect your financial and personal information. 

It also maintains high-security standards, including 256-bit SSL encryption and a dedicated fraud team, and follows multiple international regulations.

Xoom: Xoom takes safety and security seriously to protect your money transfers. The platform protects your financial information with advanced encryption technology, making it highly secure during transfer. 

Additionally, Xoom has robust security measures, which include 24/7 transaction monitoring, encryption, and fraud protection to detect and prevent illegal activities.

Also know about Zelle vs PayPal.

Remitly Vs Xoom: Ease Of Use

Remitly: The Remitly user interface is easy to use and offers clear instructions for sending money. They have a user-friendly mobile app and have received good reviews from customers.

Xoom: Xoom makes international money transfers easy and hassle-free. A user-friendly interface ensures an easy process from beginning to end. In addition to its web application, it has a mobile app that works with iOS and Android devices. 

Also read: Wise vs Payoneer.

Remitly Vs Xoom: Pros & Cons



  • Multiple delivery options.
  • Economical transfer options.
  • Transparent pricing.


  • Limited availability in some countries.
  • Slower transfer times with economical option.



  • Bill payment and mobile reload features.
  • Part of the PayPal network.
  • Fast transfers using card payment.


  • Higher fees for instant transfers.
  • Exchange rate markups.


When selecting an international money transfer service, it is essential to consider your specific requirements. Remitly is a service that provides pricing transparency and a range of delivery options. 

On the other hand, Xoom stands out with features like mobile reloading and bill pay. Depending on your transfer needs, you may choose one over the other based on the value and convenience they offer. Both services are secure and provide fast transfer speeds.

We hope that in this article you have got a lot of information about Remitly Vs Xoom.

Read also: Wise vs PayPal.


How much is the fee for Xoom?

The fees for Xoom vary depending on the amount of money being sent, the destination country, and the payment method. There may also be fees associated with currency exchange.

Is Remitly good or not?

Remitly is generally considered a reliable and reputable money transfer service. However, the suitability of Remitly or any other service depends on the needs and preferences of the individual.

Do you need a bank account to use Xoom?

Xoom typically requires a bank account or a debit/credit card to fund your money transfers.

Can I use my credit card for Xoom?

Yes, you can use a credit card to fund your Xoom money transfers. Xoom allows users to link their credit cards as a payment method when initiating money transfers.