What is Xoom and How Does it Work

What is Xoom and how does it work? In today’s digital world, sending money across borders quickly and conveniently has become a necessity. 

Xoom, a PayPal service, is a standout in this realm, known for its fast and secure international money transfer. 

In this post, we will explore What is Xoom and How does it works, and how you can use its services to meet your needs.

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What is Xoom and how does it work

Xoom is an online service that enables customers to transfer money both domestically within the U.S. and internationally. 

Additionally, Xoom allows customers to pay bills in various countries and reload prepaid mobile phones.

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How does it work

Xoom collaborates with various companies worldwide to facilitate secure, affordable, and reliable international money transfers. 

To fund and pay for your money transfers, you have the option to use a bank account, a PayPal account, a debit card, or a credit card. 

The transaction fee you pay will depend on various factors, such as the currency exchange rate, destination country, the amount of money you’re transferring, and the funding source you choose.

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How to send money through Xoom

One of the main features of Xoom is sending money internationally. Here’s how to do it:

  1. Log in to your Xoom account.
  2. Click on the “Send Money” button.
  3. Choose your send country and the amount you want to send.
  4. Select your payment method. You can choose from a linked bank account, debit card, or credit card.
  5. Enter your recipient’s information. Depending on the country, you might need to enter additional details.
  6. Verify the details of your transaction, then click “Send Money.”

Although most Xoom money transfers are usually available within minutes, some may take several days due to the involvement of different financial intermediaries. 

A text message or email will inform you of the status of your money transfer. Alternatively, you can also check the progress of your money transfer on Xoom’s Track Transactions page.

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Xoom’s Transfer Fees

Xoom’s transaction fees vary based on the countries involved, funding source, payout currency, and transfer amount.

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 with Fee in USD
PayPal balance  5.99
Bank account  5.99
Debit card  5.99
Credit card  5.99

Which money transfer companies and banks do Xoom work with

Xoom collaborates with major banks and leading retailers across the globe to facilitate direct money transfers to bank accounts, sending money for pickup, and delivering money. 

Xoom has partnered with trusted banking institutions such as Interbank, Metrobank, Banco BHD, Bancolombia, Philippine National Bank, Bank of America, Banorte, BBVA Bancomer, BDO, BPI, Citibank, HSBC, Wells Fargo, and Victoria Mutual, among others.

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Difference between Xoom and PayPal

PayPal is great for sending money within the US and receiving payments from businesses. For international transfers, use PayPal’s subsidiary, Xoom, which has no transaction fees when using your PayPal account balance. 

Xoom is reliable and offers transfers within the US and internationally without requiring the recipient to have an Xoom account. 

However, Xoom does not offer business money transfers, which PayPal does.

Customer Support Options

Xoom provides robust customer support to ensure a smooth user experience. Various channels are available for contacting their support team:

  • Phone: Available 24/7 for immediate assistance.
  • Email: If you have any questions or concerns, you can send them an email.
  • FAQs: Xoom’s website has a comprehensive FAQ section that provides answers to many most commonly asked questions.

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Availability in Different Countries

Xoom provides its services in more than 130 countries across the globe, including India, Mexico, the Philippines, China, and several countries in Europe and Africa. However, the availability of specific services such as money transfers, bill payments, or mobile reloads may differ from country to country. To check if Xoom’s services are available in your desired country, you can visit their website.

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Advantages and Disadvantages of Xoom

Advantages of Xoom:

  • Competitive pricing for international transfers.
  • Robust security measures, including 128-bit data security encryption.
  • Certification from third-party privacy organizations.
  • Money-back guarantee if the recipient does not receive the funds.

Disadvantages of Xoom:

  • Some users report extended processing times and additional verification steps.
  • Consumer complaints regarding fund holds and unrelated questions during transactions.

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Xoom is a digital money transfer service that is known for its fast transactions, user-friendly interface, and high level of security. 

Whether you need to send money to your loved ones living abroad, pay international bills, or recharge a foreign mobile number, Xoom is an excellent option to consider. 

Take advantage of our global money transfer service today by Xoom.

We hope that this article about What is Xoom and how does it work is very helpful to you.

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How much does Xoom charge to send money?

A transaction up to $999 costs $5.99, and a transaction above $999 costs $9.99.

How long does a Xoom transfer take?

Some transfers can take longer than others, but most are completed within minutes. 

What is the minimum amount to send through Xoom?

The minimum amount to send through Xoom is $10.

Does Walmart use Xoom?

Customers can now send money for pickup at any of Walmart’s 4,684 stores using Xoom’s website or mobile app.