Xoom Money Transfer Review- Transfer Money From US and Canada 2019

5 stars based on 16880 reviews

Send Money To Rate
USD MXN $ 18.49
USD INR ₹ 68.27
USD NGN ₦ 350.01

Xoom Money Transfer Review by Exchange Rate IQ

Overall rating
8 /10

Xoom is a leading money transfer service provider which tends to send money from the United States and Canada to over 130 countries. But here the questions arise that can you trust it? Are its services safe? How much it charges as fees and what exchange rate it offers? To answer all your queries, experts of ERIQ have conducted research on the company and provide an unbiased independent review on Xoom.

Xoom, an electronic fund transfer and the money remittance company is a member of the PayPal family. It allows customers to send money, pay bills and also airtime top-up from USA and Canada to over 130 countries. With headquarters in San Francisco, CA, Xoom Corporation was acquired by PayPal in 2015. Some of the benefits of using Xoom money transfer services are:

  • All-time Customer Assistance
  • 100% Refund
  • Affordable Exchange Rates and Transfer Fee
  • Cash Pick-Up Facility

Review of Xoom Money Transfer :

Launched in the year 2001, Xoom offers fund transfer services from the US and Canada to more than 130 countries. Powered by PayPal, Xoom can help people to pay bills internationally or send money to friends and family. It is a leading service provider that makes sending money across Europe, South America, Central America and Asia easy and hassle-free.

One can send the money through a bank account, debit card or credit card and the recipient will get the money within a few minutes. It also offers the cash pick-up facilities across the world, so recipients will get the money as soon as payment made by the user. Customers can also use Xoom to pay electricity, telephone, gas, and more bills in selected foreign countries.

One can send a maximum amount up to USD $10,000 through a single transaction. It also offers 24-hours, 30 days and 180 days limits according to the Xoom account’s level. One can increase the level by providing more personal details such as government provided identification, proof of income and proof of residence. Recipient countries, as well as partners, also have a bearing limit.

Xoom customer services are available 24*7 on its toll-free number. It has been working more to provide hassle-free transaction as well as high security so that one can use Xoom money transfer services worry-free.

Pricing : How much does Xoom Money Transfer cost?

7 /10

Xoom Money Transfer Fee

The transaction fee in Xoom totally depends on the destination country as well as the payment method used by the customer. If one sends $200 from the USA and Canada to the following countries using various modes, then the fee will be:

Xoom Transfer Fees

Destination Country Transaction Method Fee
United Kingdom Bank Account $4.99
Debit/Credit Card $4.99
Australia Bank Account $4.99
Debit/Credit Card $10.99
India Bank Account $2.99
Debit/Credit Card $4.99
Columbia Bank Account $4.99
Debit/Credit Card $4.99
Jamaica Bank Account $7.99
Debit/Credit Card $12.99

One can also check the Xoom transfer fee here.

Xoom Money Transfer Rates

The company offers rates above the mid-market exchange rate, as it makes money from the transfer fee charged by the users.

Any other fee

The company claims that credit card transfers may attract more fees because of providing advance money. So one should know from the credit card company if they charge any such fee or not.

So, on the pricing basis, Exchange Rate IQ gives 7 out of 10 to Xoom as many companies even offer real-time prices with low transfer fee.

Transparency: Does Xoom Money Transfer have any hidden fees?

7 /10

Xoom Money Transfer Hidden Fee

The company makes money while doing a foreign exchange, so there are chances of hidden fee. So before transferring the funds with Xoom Corporation, one should know how much fee it will be going to take.

Xoom Money Transfer Tracking Details:

The company provides tracking details to customers at every stage through SMS and email. One can also track the transfers on their dashboards by logging in.

While many of the companies do not charge any hidden fee, Xoom charges it to make money, therefore we rate it 7 out of 10 in the transparency head.

Transfer Speed: How long does it take to send money through Xoom Money Transfer?

9/10

Xoom money transfer service offers faster turnaround compare to many banks. In many cases, the recipient will get the access to money transferred within minutes. However, this process time also depends on the mode of payment, destination country and transfer method.

Sometimes, it takes more time to transfer funds as recipient bank requires additional information. The company also takes more time on the public holidays, bank specific working hours as well as wrong recipient details.

Once you finalise your transfer, Xoom will provide you the clear picture of how long the process will take. Therefore, on an overall basis, we rate 9 out of 10 to the transfer speed of Xoom.

Coverage: How many Countries & Currencies does Xoom Money Transfer support?

8/10

One can send the funds from the US and Canada to over 130 countries around the world. One can also pay the utility bill in 9 countries currently which includes Colombia, Costa Rica, Dominican Republic, El Salvador, Honduras, Mexico, Guatemala, Nicaragua, Panama, and Vietnam. Some of the countries where you can send the funds through Xoom Money are:

Countries Supported by Xoom

India Italy Argentina Bangladesh Finland
France Hong Kong Kenya Pakistan Malta
Spain Singapore UK Sri Lanka Peru and more

The company has yet to cover many parts of Asia, Africa and Europe which will make it one of top money remittance service provider in the world. As we can see, one can only transfer USD and CAD to other countries in their currencies, so company still has vast opportunity to grow to provide its services worldwide.

Hence, on its coverage area, we rate it 8 out of 10. So, if you also want to use the services of Xoom money transfer login here.

Xoom Money Transfer Transfer Process

Send Money Online with Xoom, a Paypal Service

  1. Go to the Xoom, a PayPal Service website.

  2. Select the country to which you want to send the funds at “Select a Country”.

  3. Enter the amount you want to send.

  4. Select the payout method, i.e., bank account or cash pick-up.

  5. Select the mode of payment, bank account, debit card or credit card.

  6. Sign up if you are a new user.

  7. Enter all the personal details and an official government ID.

  8. Enter the details of recipient.

  9. Click on “Continue to Review”.

  10. Complete transaction and track it on your dashboard.

Send money with Xoom Money Transfer

Send money to Nigeria with Xoom

If you are looking for sending money to Nigeria than Xoom offer you to send it through multiple options. You can send money using the cash pickup services, so the recipient will pick money at First Bank, Ecobank, Skye Bank, etc. All the recipient need is a valid ID proof and transaction number.

Other than this, you can also make instant bank deposits in GT Bank, First Bank of Nigeria, Zenith Bank etc. you can deposit this cash using your bank account, debit card or credit card.

Can Xoom send money to Dubai?

Sending money to the United Arab Emirates is one of the easiest platforms with Xoom, as it offers bank transfers as well as cash pickups in Dubai. You need to select where you want the money to be paid out and decide if you want to pay with your bank account, debit card, or credit card. The company also offers instant cash pick up at IME-Ria locations. All the recipient needs to show is a valid ID and the Xoom transaction number.

Send money to Bangladesh with Xoom Money Transfer

Xoom Money Transfer offers bank deposit as well as cash pickup services in Bangladesh. If you want fast bank deposits, you can send money to Social Islami Bank Limited accounts in seconds or can deposit money in the account of Sonali Bank within 2 hours when sending between 10:00 AM – 3:00 PM BDT (Sunday – Thursday).

The company also provides instant cash pickups at 6,100 locations in partner with Social Islami Bank Limited and Prabhu agent. Other than this, if you have no emergency, you can make a 2-day deposit in BRAC bank, Standard Chartered Bank, Agrani Bank, etc.

User experience of Xoom Money Transfer

8/10

Xoom is highly user-oriented website. It provides the exchange rate as soon as you select the country where you want to send funds. It is also providing FAQs under help section to provide the user convenience answers. It is also providing exchange fee calculator, where you can select the country and mode of payment to know how much amount will be received by the recipient.

One can contact the company at its toll free number 24*7 and also send them mail.

Xoom money transfer contact number

(877) 815-1531 (within the U.S. and Canada)

+1 (415) 395-4225 (outside the U.S. and Canada)

Xoom money transfer email:

One can directly send the mail to company from their website. You can also send the mail from here.

As we see the payment convenience in Xoom, one can send money through bank account, debit and credit card. It also provides airtime top up for the family and friends. It also offers cash pick-up facility for the recipients. The company is also providing its mobile apps, which you can download here:

  1. Xoom Money Transfer Android App
  2. Xoom Money Transfer iOS App

Xoom Referral:

One can also earn Amazon egifts by referring the services of Xoom Money Transfer to their friends. The company will provide a unique link which you can send to your friends. When they complete their first transaction, you will get Amazon egift card of value USD20.

Some of the positive and negative aspects of the company are:

Positive:

  • Excellent delivery options.
  • Available in various languages including English, Spanish, Portuguese, Vietnamese, Korean and Simplified Chinese
  • Fast transfers to many countries

Negative:

  • Available only for the customers living in USA and Canada
  • Exchange rate is not transparent
  • Total cost will be higher comparing to many other competitors

So keeping all the factors in mind, on an overall user experience basis, Exchange Rate IQ experts rate Xoom 8 out of 10.

Security : Is Xoom Money Transfer Safe?

10/10

Protection is the foremost priority of Xoom. With more than 1 million clients, Xoom has a proven track record when it comes to keeping your info secure.

The company maintains technical, physical and administrative security measures to provide high personal protection to the users’ information. Xoom Corporation is fully licensed and authorized as it uses 128-bit encryption to secure your funds, as well as its money-back guarantee provides extra peace of mind. It is more accountable to the public because:

  • Its parent company, PayPal, is a public traded company.
  • It provides high transparency by giving tracking details to users through mail and SMS.
  • Xoom received an A+ rating from the Better Business Bureau and is certified by TRUSTe, which ensures it is highly rated.

So, on the security basis, we rate Xoom 10 out of 10, as it is taking enough measures to keep people and their details secure.

Transfer Type And Modes

Pay In Options

Bank
Cash
Credit Card
Debit Card
Mobile Wallet

Pay Out Options

Bank
Cash
Home Delivery
Mobile Wallet

Service Mode

 Online

Exchange Rate Type

Fixed

Xoom Money Transfer FAQ's

What is the limit in Xoom?

With Xoom, you need to send minimum amount of USD $10 and maximum amount up to USD $10,000. You can increase your 30 day and 180 day limits by providing additional information to the company.

Discuss this question

Does Xoom Money Transfer offer business transfer?

No. You can only perform personal transfers to your family and friends through Xoom money transfer.

Discuss this question

Can I schedule money transfer in advance on Xoom?

Yes, you can schedule the money transfers in advance at Xoom as it allow future transfers for the recurring transactions.

Discuss this question

How to track Xoom money transfer?

The company will provide you the details of transaction via email and SMS, so you can know when the funds will reach to recipient.

Discuss this question

Alternatives to Xoom Money Transfer

Xoom Money Transfer User Reviews and Ratings

reviews powered by trustpilot

Mauvaise experience

Review published ago

J'ai voulu envoyer de l'argent en Tunisie. La procedure était simple au debut + frais minimes. Mais, finalement la transaction a été annulée. Pourtant, j'ai passé par une verification téléphonique et j'ai envoyé les justificatifs demandés. Le pire qu'ils t'envoient un email pour annuler la transaction sans expliquer les raisons. A éviter

by asma

Mauvaise experience

Review published ago

J'ai voulu envoyer de l'argent en Tunisie. La procedure était simple au debut + frais minimes. Mais, finalement la transaction a été annulée. Pourtant, j'ai passé par une verification téléphonique et j'ai envoyé les justificatifs demandés. Le pire qu'ils t'envoient un email pour annuler la transaction sans expliquer les raisons. A éviter

by asma

Xoom requires sending bank and…

Review published ago

Xoom requires sending bank and credentials on insecure email, where proper companies secure encrypted mailings. That many employees do not properly master the language makes me compare them to fraudsters, but apart from unreasonable documentation requirements and slow case processing, I do not suspect Xoom for fraud

by Carl Assenhøj

Xoom requires sending bank and…

Review published ago

Xoom requires sending bank and credentials on insecure email, where proper companies secure encrypted mailings. That many employees do not properly master the language makes me compare them to fraudsters, but apart from unreasonable documentation requirements and slow case processing, I do not suspect Xoom for fraud

by Carl Assenhøj

Xoom Unstable

Review published ago

Xoom Unstable For years I used Xoom to transfer money from myself to myself abroad. I had to stop because it became unstable and unreliable. I used to be able to received money from my bank in the United States to my bank In Peru on the same day. All of a sudden, it starts taking 5 days to arrive making the service not worth it anymore. Making the situation worse, when attempting to contact the customer service number provided, I was put through an excruciating gauntlet of torture speaking to foreign agents that provide no more information than what can be read off the website. It was extremely general and generic information. Of course, none of the information provided could answer my question or resolve my problem. I cant even login to my account anymore as it says it sends a code that never arrives to my cell. When the money came from a different person, with a different account, no issues were experienced until one day they asked for the social security number which was entered and they limited the transfer to $89. They also asked for a birthdate and indicated that the birthdate was wrong. I don’t know how much longer Xoom will be around with all of these problems, As well I have no doubt that with these strings of problems and practically no functional customer service, they are losing tons of money. One additional aggravation is that I gave them 5 stars on a rating and immediately following that, the quality dropped to zero. So for those considering Xoom, it may be good temporarily. But if you are a frequent user, things will eventually go to hell. Does anybody know of a reliable and reasonably priced USD to USD money transfer service that operates within 24 hours that exists?

by Anthony

Xoom Unstable

Review published ago

Xoom Unstable For years I used Xoom to transfer money from myself to myself abroad. I had to stop because it became unstable and unreliable. I used to be able to received money from my bank in the United States to my bank In Peru on the same day. All of a sudden, it starts taking 5 days to arrive making the service not worth it anymore. Making the situation worse, when attempting to contact the customer service number provided, I was put through an excruciating gauntlet of torture speaking to foreign agents that provide no more information than what can be read off the website. It was extremely general and generic information. Of course, none of the information provided could answer my question or resolve my problem. I cant even login to my account anymore as it says it sends a code that never arrives to my cell. When the money came from a different person, with a different account, no issues were experienced until one day they asked for the social security number which was entered and they limited the transfer to $89. They also asked for a birthdate and indicated that the birthdate was wrong. I don’t know how much longer Xoom will be around with all of these problems, As well I have no doubt that with these strings of problems and practically no functional customer service, they are losing tons of money. One additional aggravation is that I gave them 5 stars on a rating and immediately following that, the quality dropped to zero. So for those considering Xoom, it may be good temporarily. But if you are a frequent user, things will eventually go to hell. Does anybody know of a reliable and reasonably priced USD to USD money transfer service that operates within 24 hours that exists?

by Anthony

Transaction suspendue et delai de…

Review published ago

Transaction suspendue et delai de traitement trop long .

by Faction Sarazine

Transaction suspendue et delai de…

Review published ago

Transaction suspendue et delai de traitement trop long .

by Faction Sarazine

They are not what they advertise

Review published ago

They are not what they advertise. The estimated time of fund transfer is all wrong. I ordered a transfer expecting it to be in 4 hours, as given on their website. Then after initiating the transfer, it gave me 3 business days (after calling them up) and now when I call them on the 4th day they say another 3 days. Imagine if your transferred fund is for some mortgage payment or some kind of direct deposit?? you are defaulting!!! Writing this review to make people like me aware of such fund transfers wherein the service provider makes it look all attractive till the time you are not purchasing and once you do; welcome to the trap.

by amit Basak

A fuir

Review published ago

Impossible d'envoyer de l'argent. On me demande des justificatifs, puis une vérification téléphonique, et la transaction est quand même annulée! Les personnes en ligne répondent qu'elles ne sont pas habilitée à répondre... Nul, nul, nul

by Claire Tribondeau

FALSE ADVERTISING! TERRIBLE CUSTOMER SERVICE

Review published ago

DO NOT INSTALL THIS XOOM APP!! COMPLETE SCAM SERVICE Not only are their pickup locations not accurate, the staff at them (WALMART) have NO idea about the service let alone how to give you your money. Their support staff are some of the worst trained ESL disasters i have ever had the displeasure of working with. My refund, post my experience, is "in progress" whatever that means.. I received an email stating that my card would not be charged for the transaction but I have already seen that it was processed. I am expecting to never see my money again.

by Bolter

Endlich eine Lösung für internationales Paar!

Review published ago

Für uns als internationales Paar ist Xoom endlich ein großartiger Service zu guten Konditionen. Meine Frau ist Amerikanerin und hat Adresse und Bank in USA, jedoch leben wir in Deutschland. Ihre Bank erlaubt keine Überweisungen, daher können wir keine der vielen Anbieter nutzen wie Transferwise etc. Aber ehrlich gesagt hat Xoom auch einen besseren Kurs! So können wir endlich von Karte zu Karte Geld nach Deutschland überweisen und werden nun auch Worldremit nicht mehr nutzen. Hätte ich es früher kennengelernt, hätten wir es immer so gemacht und viel Geld gespart! Top!

by Timon

Terrible - Look Elsewhere

Review published ago

When I began using Xoom around 2 years ago it was excellent. Transfers went through almost immediately without any problems. However, in the last 6 months seemingly every one of my transfers gets delayed, often for days, and with absolutely no information regarding why those delays are occuring. I've sent them multiple forms of ID, clarified the relationship of the recipient (my wife), jumped through every hoop, but still: 3-5 days wait. Support is absolutely useless; quick to tell you how it won't happen again, how they're sorry, how they will look into it, but the result is always the same: zero actual help, zero follow up, zero support. Talking to other expats living in the same region as us, it seems I'm not alone in experiencing endless delays backed by no explanation. They are terrible, look elsewhere.

by Jason M. Crawford

Big Waste of Time

Review published ago

I had a bad experience with Xoom. First, it took almost one week before they told me that I was unable to transfer funds from Canada to Peru (in U.S. dollars but from a Canadian bank account in Canadian dollars). Their error emailed messages were vague and had me waiting for days thinking it was just slow and under review. Second, the fact that their website allowed me to even try to send the funds, when their customer service rep actually knew that this was not possible, seems absurd. Poor website design. I cancelled my account and won't be using Xoom as a result. Overall, it took me multiple frustrated calls and being bounced around by people who I don't think knew what they were talking about, only to eventually be told that they couldn't answer my final question. That said, the last person after a long and painful call did commit to get someone to phone me back. And a real person with knowledge did call me back the next day and gave me clarity on what I was asking (about their retention of personal information after account closure....5 years in NA). Overall very disappointing. I recommend they have a more intelligent website that screens me out if I'm simply unable to be doing what appears to be possible. Big waste of time!

by JP Laplant

à éviter

Review published ago

Procédures trop lent ( 3 ou 4 jours pour recevoir de l'argent) par rapport aux autres compagnies Money gram , Western union et RIA ces derniers quand tu fais un envoie le destinataire reçoit son argent dans quelques minutes . En plus ils demandent des photo de passeport ou une carte d'identité et pourtant la transaction est faite à partir d'une carte visa qui nécessite mon mot de passe pour autoriser le transfert. En Conclusion à éviter tout simplement

by Omar Chabani

Not the best option for Jamaicans…

Review published ago

Not the best option for Jamaicans unless you are in no rush to receive money. Otherwise it's not so reliable. After my recipient submit the authorization form, two days and counting and he is still waiting to receive the money. Better sticking to Western Union or Moneygram. Those service are reliable and same day. This transaction I am referring to was commenced 7 days ago.There's nothing fast about this transaction. Standing in line would have been better. I will never use this service again.

by Kwame James

I have been trying to sned money abroad…

Review published ago

I have been trying to sned money abroad for over a week now. I have talked to customer service twice, each time I was assured I had submitted all the information needed. Just to get another email hours later asking for MORE information. They ask for personal and intrusive information and offer no help. This service was supposed to be fast and easy, it was ABSOLUTELY neither.

by Alecia McGee

Gracias Por Todo

Review published ago

Gracias Por Todo! El servicio es excelente, asi sigan!!

by ramon

Buena opcion

Review published ago

Es facil de hacerlo solo que las transacciones son canceladas por el departamento de verificacion

by vicente

Xoom company is claiming that they…

Review published ago

Xoom company is claiming that they transfer the money fast. Let me tell you how fast, i have sent money to my brother in Australia on May 17 ( I have already sent him 5 times on same address and same account number) since he have to pay University fee. After two weeks the money didn't credited in his account he have to pay late fee charges to the University since Xoom Company's partner are reviewing the transaction of same recipient who already received the money from same sender 4-5 times. I wasted my hours and hours just to confirm but every time same stupid story that partners are reviewing. They have absolutely pathetic in customer services. No escalation or Quality department who can follow up the complaints. I have cancelled the transaction on May 28th, Today is what June 4th i am still waiting on them to reimburse my money $1000.00. But the partners are still reviewing.

by jaffer

XOOM - Don't bother

Review published ago

Whoever gave this company 5 stars must be a Bot. Worst experience trying to send money. PayPal needs to scrap the whole thing. I've never felt so disrespected by a service like Xoom before in my life. Don't bother using them. We the legal, honest citizens of the world transactions and accounts get cancelled after asking you a million personal questions. Better off just sending Crypto like Ripple's XRP. MoneyGram knows XRP is better.

by Bobby D

Excelent to send top-up instantly

Review published ago

Excelent to send top-up instantly! Fast, secure & instant

by ariel gomez

Horrible Horrible Horrible

Review published ago

Horrible Horrible Horrible. As good as PayPal is, that’s how bad my experience with Zoom was. Logged in through PayPal, completed a transaction. Hours later, they send an email that I have to call. Then they want me to send them my drivers license or passport after they have all my banking and credit card info. Terrible customer service. Then they tell me they can keep my money for 3-5 days Iif I don’t send them my dL or passport. If I didn’t know they were affiliated with paypal, I would say it is a scam! Very dangerous!

by SOPHIA

J envoie un transfert de 130 euros à st…

Review published ago

J envoie un transfert de 130 euros à st domingue Le prestataire banco popular demande une Ouverture de compte pour récupérer L argent . Contact service client xoom Conseil d aller dans une autre agence. Pire il ne connaisse pas xoom. Plus de 3 appels au service client xoom Un mail est envoyé à banco popular. Malheureusement le week-end , la personne n a pu récupérer son transfert. Il a fallu que j envoi de l argent par les Agences de transfert habituel, illico Presto , la somme à été récupérée. Devant cette déconvenue, xoom Fait il des vérifications auprès de ces prestataires. Mauvaise image pour ce service.

by gertrude
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