Xoom Money Transfer Review: Is it Worth it [ In 2024 ]

Xoom Money Transfer Review? Xoom Money Transfer is a reliable and efficient way to send money to your loved ones around the world. You can use your phone or computer to send funds quickly and securely. 

Xoom offers various options, including bank deposits, cash pickups, and even cash delivery in some cases. The service also provides international mobile phone reload and bill pay features. Xoom guarantees the safety of your transaction, and if you have any issues, they have a 24/7 customer service team to assist you.

Here is everything you need to know about Xoom Money Transfer Review.

Also Read: Wise Vs Paypal.

Xoom Money Transfer Review?  

What is Xoom? 

Xoom is a money transfer service that operates internationally through a phone or computer. It is administered by PayPal and allows users to send money to over 70 countries.

Xoom offers various options like bank deposits, cash pickups, and cash delivery to simplify cross-border transactions. It also provides features such as international mobile phone reload and bill payment. 

With 24/7 customer service and a money-back guarantee, Xoom ensures a convenient and secure way to transfer money globally.

How Does Xoom Work?

Xoom simplifies the money transfer process, allowing users to send funds domestically and internationally with ease. Here’s a brief overview:

  1. Registration: Create an account on Xoom and download the mobile app.
  2. Funding: Fund your money transfers using a bank account, credit card, debit card, or PayPal balance.
  3. Transfer: Start the transfer through the app or website, with the option to track progress and receive status alerts.
  4. Delivery: Choose from multiple delivery options, such as bank transfer, debit card deposit, or cash pickup.

Read in detail about What is Xoom and How Does it Work.

Xoom Services Levels

  1. Level 1: Deposits or pickups up to $2,999 in 24 hours and $9,999 in 180 days.
  2. Level 2: Limits of $10,000 in 24 hours and $30,000 in 180 days.
  3. Level 3: Enables deposits up to $50,000 in 24 hours and $100,000 in 180 days.

Transfers typically take two to three business days, with the option to expedite depending on the payment type. Large transactions may require additional processing time.

Also Save you money With Tax Free Money Transfer USA to India.

How to Send Money From Xoom

There are four easy ways to send money from Xoom

1. Deposit to a Bank Account

Send money to almost any bank account worldwide securely and efficiently. Xoom’s global reach ensures that your funds reach their destination quickly and safely.

2. Send to Debit Cards

For recipients with Visa and Mastercard debit cards in eligible markets, Xoom allows you to send money directly to their cards. It’s a convenient way to ensure your loved ones have access to funds when they need it.

3. Send Cash for Pickup

Choose the option to send cash for pickup at thousands of partner locations globally. Your recipient can conveniently collect the funds, making it a flexible and accessible choice.

4. Have Cash Delivered

Choose the unique service of having cash delivered directly to your recipient’s door. Xoom goes the extra way to make sure your loved ones.

Also Read: Zelle Vs PayPal.

Xoom Money Transfer Review: Cost

Understanding Xoom’s fees is crucial. Costs vary based on the amount, payment type, delivery method, and destination. 

For example, sending $200 to Mexico incurs a $2.99 fee using PayPal or a bank account, while cash pickup costs $3.99. Take the time to learn the fee structure before transferring money.

See: Remitly Review.

Xoom Money Transfer Review: Customer support

Xoom provides free customer support through phone or email. You can speak with customer support experts in English, Spanish, or Filipino between 9 a.m. to 9 p.m. every day if you are calling from the U.S. or Canada. Also, 24/7 email support is available in English or Spanish.

See: Remitly Vs Wise.

Xoom Money Transfer Review: Ease of Use

Xoom is a platform that is compatible with both iOS and Android devices. It is user-friendly, but the sign-up process might be slightly confusing, depending on whether users have an existing PayPal account. However, the instructions provided are generally clear and easy to understand.

Additionally, the fee structure can be complex, with various charts detailing the array of fees for different transactions. Information regarding transaction limits based on location and transaction type can also be complicated.

See: Best Alternatives to Zelle.

Xoom Money Transfer Review: Pros and Cons


  • Lower fees for PayPal customers.
  • Easy-to-use online and app service.
  • Money-back guarantee.
  • Live customer support.
  • Flexible deposit, cash pickup, or delivery options.


  • Fees can be on the higher side.
  • Exchange rates may include a markup.
  • Daily, monthly, and six-month limits.
  • Not all services are available in every country.


Xoom provides a dependable and simple solution for transferring money internationally. 

It offers a range of services that cater to different needs, such as sending money to family, paying bills, or reloading mobile phones.

To make an informed decision, you should review the advantages and disadvantages of using Xoom and read user reviews.

See: Best Alternatives to Wise.


Is Xoom safe and legit?

Xoom is safe for international money transfers as long as you take standard security measures.

Does Xoom charge a fee?

On Xoom, the fees charged depend on the type of transaction, payment method, currency used, and transaction amount.

Is Xoom and PayPal same?

Xoom, a PayPal service, lets you send money to loved ones worldwide.