Xoom Money Transfer Review- Transfer Money From US and Canada 2020

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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.

Xoom Money Transfer Exchange Rate

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

Una mierda

Review published ago

Una puta mierda, grande! Der letzte Mist der Welt! Vertrauenswürdig; Nein! .... en de functie, is gewoon een slechte grap! Service? Kenne ze niet! So before you use this,better you search for another better option!

by Jen Empress

Una mierda

Review published ago

Una puta mierda, grande! Der letzte Mist der Welt! Vertrauenswürdig; Nein! .... en de functie, is gewoon een slechte grap! Service? Kenne ze niet! So before you use this,better you search for another better option!

by Jen Empress

Terrible service

Review published ago

Very unprofessional company. I waited over 1 week for a simple transfer of money to Denmark, and then I was told that it was cancelled (due to a technical issue). And I was told it would take another 3-4 days for me to get the money back. I've never heard of a bank with a technical issue lasting more than a few hours - otherwise they would go out of business. I also waited an hour to get through on the phone to them. I asked them to simply delay the transfer until the technical issue was resolved, since that would surely be faster than waiting for my money to be transferred and then try again. For a company having transfers as their core business, they are completely unprofessional. Useless for international transfers.

by DiBru

Terrible service

Review published ago

Very unprofessional company. I waited over 1 week for a simple transfer of money to Denmark, and then I was told that it was cancelled (due to a technical issue). And I was told it would take another 3-4 days for me to get the money back. I've never heard of a bank with a technical issue lasting more than a few hours - otherwise they would go out of business. I also waited an hour to get through on the phone to them. I asked them to simply delay the transfer until the technical issue was resolved, since that would surely be faster than waiting for my money to be transferred and then try again. For a company having transfers as their core business, they are completely unprofessional. Useless for international transfers.

by DiBru

Terrible customer service

Review published ago

Terrible customer service. Transaction from British account to British account took 10 days, despite being advertised as two hours. Totally useless. Use any other service other than this one.

by Robert Howells

Terrible customer service

Review published ago

Terrible customer service. Transaction from British account to British account took 10 days, despite being advertised as two hours. Totally useless. Use any other service other than this one.

by Robert Howells

Xoom requested my bank account login details!

Review published ago

This morning I attempted a new Xoom transfer, and Xoom asked me for my bank account ID and password/login details to 'confirm' identity. This seems incredibly suspicious and inadvisable. I will not be providing my bank account login details to ANYBODY.

by anon

Xoom requested my bank account login details!

Review published ago

This morning I attempted a new Xoom transfer, and Xoom asked me for my bank account ID and password/login details to 'confirm' identity. This seems incredibly suspicious and inadvisable. I will not be providing my bank account login details to ANYBODY.

by anon

Awful customer service

Review published ago

I used to like xoom it’s easy ang quick to send money customer service is great.but I don’t know what happen within the last 2 months when u send money as usual it take longer the confirmation I thought it’s just because of covid that’s what they say but common it’s electronic and customer service SUCKS! U have to be pacific time Where all business works on eastern time.so I’m done

by Malou Way

Geldüberweisung

Review published ago

Hallo, das Geld das durch Xoom überwiesen sein sollte ist nicht zu finden. Meine Mails werden durch Kundenbetreuung nicht berücksichtigt und die Antworten bringen nichts um das Problem zu lösen. Ich bin damit nicht begeistert, dass mein Geld verschwunden ist. Viele Grüsse Marian

by marian kratschla

Xoom ...Arnaqueur ..

Review published ago

Paypal n'aurait jamais du travailler en partenariat avec Xoom .C'est une grosse arnaque. J'aurais du recevoir un virement de 100 Euros sur mon compte et ce depuis le 2/07/2020 , et a ce jour rien .Le contact client est nul et incompétent.

by André VINCENTELLI

How is Xoom still around

Review published ago

How is Xoom still around? This service is awful. Customer service is so sketchy. There have been so many complaints about customer service and money not being received in a timely manner or at all.

by Erika Domeika

Transfer cancelled - no real reason given or person available to resolve

Review published ago

I set up a transfer, followed all the steps, immediately responded to the automated emails for compliance with requested information. Two days went by with no update to the transfer, then I get another automated email saying the transfer is cancelled "due to not receiving compliance information". No phone # just useless website FAQs. Maybe there are no people in this company just computer algorithms incapable of reading and processing the requested material. It has been a complete waste of time.

by Customer 24601

Horrible

Review published ago

Horrible. Here's the email they sent after canceling my transaction. At 75 and a former school board member, I'm a security risk. Dear Gxxxx Txxxx, Thank you so much for contacting us regarding transaction XM4A5HZE. Unfortunately, we were unable to complete the necessary verification and the restrictions placed on your account will remain. We apologize for any inconvenience this has may have caused. If you have further questions, please reply to this email or contact us from 8am to 5pm PT, Monday-Saturday Thank you Xoom, Customer Verification Team

by George Truett

Honte à xoom

Review published ago

Honte à xoom. Je suis bloqué pour avoir envoyer régulièrement d'argent à ma famille. Xoom veut qu'ils crèvent la bas en me bloquant.

by David Ozge

Waardeloos

Review published ago

Waardeloos zelfs aanmelden geeft al een fout op de site aan dus zeker niet verder mee gaan

by Johan Delill

This is a complete scam

Review published ago

This is a complete scam, I dont even know how PayPal have but their name on it. I was quoted 2 hours to move £460 from UK to UK banks (both in my name) and now they are saying they need 10days to for a compliance check of some BS. I have requested a refund to original card which they will not do. Fuming.

by Alex Rawlinson

Please stay away from them there is no…

Review published ago

Please stay away from them there is no service no human touch disgusting.. Pathetic compliance..

by Sangeeta Ch

Do not use them

Review published ago

!!! Do not use them !!! I did money transfer to but property in India, Xoom customer care executive told money will reach max 2/3 days as its a big amount as money has to deduct from my bank. Its been 5 days now when money has been deducted but transfer is pending. I am very stressful and called 20+ times their customer care, every time I got different message and ETA from them... Its really really a bad service .....

by Code Review

False advertisement and possible fraud.

Review published ago

This website lures you in with the promise that the money will be with most banks (including mine) within two hours. When you then authorise it, you're told it'll take days and they ask for ID. I wanted to transfer £49 of PayPal credit to a bank account. They charged me a £1.99 fee. I check the bank account and £50.99 is pending to leave the account...the account that should be receiving the £49 from PayPal, not losing it. Why the hell would a PayPal to bank transfer require you to reserve the entire amount from the recipients end? Until it drops off, I now have no available funds, thanks Xoom. First and last time using your shoddy service.

by BastetofBubastis

Not reliable.

Review published ago

Wouldn’t recommend. They withdrew money from my account 6 days ago and have processed nothing.

by Bev Burns

Geld von PayPal mit Xoom Überwiesen auf…

Review published ago

Geld von PayPal mit Xoom Überwiesen auf mein Konto,wurde zurück gebucht. Rückbuchung auf mein PayPal konto nicht möglich. Wo ist mein Geld? Moderner Diestahl. Kein Stern leider nicht möglich, wer Haftet jetzt.

by Gottfried Mevissen

Horrible Customer Service

Review published ago

Apparently this company is supposed to need proof of identity before processing transactions. Yet somehow, someone managed to use my old Paypal credentials (I was under the impression that the account was deactivated) to open a fraudulent Xoom account, and process a fraudulent transaction, with a fraudulent debit card opened under my name. I reset my Palpay credentials and gained control of this Xoom account immediately and have been dealing with this mess since the 3rd of June. I have sent them an official affidavit, and two written requests to resolve this issue, and provide confirmation of all this in writing, along with proof of ID, officially filed reports, etc. They said that I would not be held responsible for the transaction via email and phone but I have not received an official letter stating so. Also, not only is the Xoom account still open, but the fraudulent transaction is still listed on this account. Worst of all, they refuse to provide the name of the issuing financial institution for this mystery debit card opened under my name so I can file a dispute with them. They claim that I need to have local law enforcement submit a subpoena to them despite the fact that I am not asking for any person or proprietary information. There is also the fact that according to section 609(e) of the Fair Credit Reporting Act, 15 U.S.C. § 1681g(e), I am entitled to be provided with copies of business records relating to the fraudulent account and transaction no later than 30 days after the receipt of the request and that the law directs them to provide me these documents at no charge, and without requiring a subpoena. After I pointed out this last fact to them on June 26, I was informed that they would advise one of the members of their fraud team to contact me to assist me further. I have still not heard back from them via phone, email, or postal mail. Xoom has until the 30th to specifically provide me with the information regarding this mystery debit card and other records and documents connected to this fraudulent transaction. In the meanwhile, I have a mystery checking/debit account with my name floating around out there and the perpetrators are doing who knows what with it. Their handling of the situation so far does not give me a lot of hope... If anyone else is having issues similar to this I advise you to file consumer complaints with your state's Attorney General and the FTC if you live in the States. We consumers need to put pressure on this company to get their act together and not act so glibly about our identities being compromised.

by Daria

Überweisung mit XOOM kam nicht beim Kunden an !

Review published ago

Am 3. Juni habe ich mit XOOM / Paypal einen Rechnungsbetrag überwiesen. Der Betrag wurde durch Paypal sofort belastet, ist aber beim Empfänger nicht angekommen ! Paypal hat auf entsprechende Anfrage noch nicht geantwortet. XOOM schickt einen vorfabrizierten Formbrief in miserablem deutsch. Nun suchen wir das Geld und hoffen, es irgendwo zu finden ! XOOM ? NEIN DANKE !

by Hans-Henning von Grote
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Xoom Money Transfer Company & Contact Info

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Phone:- 00 1 415-395-4225
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