Built in Canada
BUILT IN CANADA
Review Xoom's exchange rates, fees, transfer speed, payout options, safety features, customer support, strengths, and limitations before sending money internationally.
A practical snapshot of who this provider may suit, how transfers may work, and what to verify before sending money.
Existing PayPal users who prioritize speed and convenience over cost, especially when sending for cash pickup.
Very Fast. Many transactions are completed in minutes; bank deposits may take 1-3 days depending on the country.
High. Fees vary significantly based on payment method and destination, and rates always include a substantial markup.
Very High. Xoom is a service of PayPal, Inc., one of the world's largest and most regulated digital payment companies.
As the dedicated international money transfer service owned by PayPal, Xoom leverages the immense reach and infrastructure of its parent company. Its primary appeal lies in speed and convenience, particularly for existing PayPal users who can log in with their current credentials and fund transfers instantly. Users frequently praise the wide variety of payout options, which include bank deposits, cash pickups at major networks, and even home cash delivery in certain countries. However, this convenience often carries a high price tag; feedback consistently highlights high transaction fees and significant exchange rate markups. Furthermore, many users report frustration with Xoom's highly sensitive security protocols, which can sometimes lead to abrupt transaction cancellations without clear explanations.
RateBuddy reviews providers using factors such as pricing transparency, exchange-rate value, transfer speed, usability, payout flexibility, safety information, and customer support. Actual rates, fees, limits, and delivery times can vary by route and transfer details.
The exact screens and requirements may vary, but the process generally follows these steps.
Step 1: Log In & Select Destination. Log in using your PayPal credentials or create a specific Xoom account. Select the country you are sending money to and enter the amount.
Step 2: Choose Delivery & Recipient. Select how the recipient should get the money (e.g., Bank Deposit, Cash Pickup). Enter their required details (name, address, bank info, or pickup location).
Step 3: Fund & Send. Choose how to pay. Using a bank account is usually cheaper than using a credit or debit card. Review the total cost and the guaranteed exchange rate, then slide to send.
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Understand how Xoom is rated on RateBuddy, how often we update their rates, and what to check before you send your first transfer.
Our goal is to give you a clean, unbiased picture of how Xoom performs for your route — including cost, speed, and customer experience.
Banks and old-school cash transfer brands are familiar, but they’re not always cheap or transparent. For this route, RateBuddy compares Xoom against those options on:
When you see Xoom near the top of the table, it usually means they beat typical bank/cash-brand pricing on at least one of these dimensions — often more.
The RateBuddy rating is a quick “at-a-glance” score that summarizes how this provider performs on this route, based on:
It’s not financial advice, but a way to help you quickly spot strong all-round options before you dive into the detailed breakdowns on this page.
On this page, we may show selected external ratings (for example, from platforms like Google or Trustpilot) to give you a sense of real customer experience with Xoom.
Think of RateBuddy as your comparison lens, and external review sites as your deep dive into day-to-day user experiences.
Some providers may choose to work with RateBuddy on sponsored placements or special offers. When that happens, we clearly label them as “Sponsored”.
Our promise: you always see the real fees and rates, whether a provider is sponsored or not. You stay in control.
For this corridor, we aim to keep Xoom’s rates as fresh as possible using a mix of:
Exchange rates move all day, so minor differences can still happen. For large transfers, always confirm the final rate and fee on Xoom’s own site/app before you confirm.
Small differences can appear for a few reasons:
If you see a large or unexpected difference, consider taking a screenshot and contacting both the provider’s support and RateBuddy so we can investigate.
A quick 1-minute checklist can make your first transfer much smoother:
Once you’ve done one successful transfer with Xoom, you’ll know what to expect — and you can use RateBuddy to ensure they stay competitive over time.
A deeper look at Xoom on your specific route — beyond the basic comparison table.
Stop losing money to bad exchange rates. Use our mobile-friendly tool to find the highest payout instantly.
