While you don’t necessarily need a PayPal account to use Xoom, you will need a Xoom account. Sign up is fast, and should take under five minutes. Once you’re logged in, simply follow these steps:
Click Send Money and fill out the amount you want to send, where you want to send it, how you want it delivered and how you want to pay.
Enter in your recipient’s information, including their name, address, email and phone number. Choose where it’s delivered or provide your recipient’s bank information.
Provide your payment information.
Review the transfer and confirm.