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

This company is the worst

Review published ago

This company is the worst. When I first started using them I thought they were great but then they canceled my transaction and closed my account! And they will not give me the reason as to why they closed it. I have tried to contact them and work with them to resolve the issue but they will not tell me what I need to do. Only that according to their policy they can't tell me. Horrible company.

by Steve

This company is the worst

Review published ago

This company is the worst. When I first started using them I thought they were great but then they canceled my transaction and closed my account! And they will not give me the reason as to why they closed it. I have tried to contact them and work with them to resolve the issue but they will not tell me what I need to do. Only that according to their policy they can't tell me. Horrible company.

by Steve

These folks are WORTHLESS

Review published ago

These folks are WORTHLESS! I've never heard of Xoom, but they are apparently contracted by PayPal for out of country financial dealings. Xoom allowed 4 fraudulent money transfers from my CHECKING ACCOUNT to go to some shitbags in the Dominican Rep. I have tried numerous times to call them and all I get is "we are too busy. Try your call later." I've filed a complaint online and have yet to hear anything. These folks should be shut down!

by Kent Lee

These folks are WORTHLESS

Review published ago

These folks are WORTHLESS! I've never heard of Xoom, but they are apparently contracted by PayPal for out of country financial dealings. Xoom allowed 4 fraudulent money transfers from my CHECKING ACCOUNT to go to some shitbags in the Dominican Rep. I have tried numerous times to call them and all I get is "we are too busy. Try your call later." I've filed a complaint online and have yet to hear anything. These folks should be shut down!

by Kent Lee

AVOID! AVOID! AVOID! They do not help!

Review published ago

I transferred money to a person on facebook market place as they didn't have a PayPal account. They took my money and never posted my item. Xoom are USELESS and they keep sending repeated messages saying my email address isn't linked to the account. I can clearly see the transaction on my account and I have supplied the transaction number. I cannot get through on the phone either as they say 'no one is here to assist you' and then you get cut off. I have no hope that they will resolve this for me and I am frustrated beyond belief. I will be pursuing this refund through my bank now. Don't use them... ever!!!

by LINDSAY OAKLEY

AVOID! AVOID! AVOID! They do not help!

Review published ago

I transferred money to a person on facebook market place as they didn't have a PayPal account. They took my money and never posted my item. Xoom are USELESS and they keep sending repeated messages saying my email address isn't linked to the account. I can clearly see the transaction on my account and I have supplied the transaction number. I cannot get through on the phone either as they say 'no one is here to assist you' and then you get cut off. I have no hope that they will resolve this for me and I am frustrated beyond belief. I will be pursuing this refund through my bank now. Don't use them... ever!!!

by LINDSAY OAKLEY

Xoom customer service is non-existant!

Review published ago

Xoom customer service is non-existant! Two failed transfers in one day. Both confirmed, both said money was ready for pick-up, money not available when my friends got there. Tried to ring customer service only to get the message "no one is available" and for the line to be disconnected! Back to Western Union for me.

by Tony Davies

Xoom customer service is non-existant!

Review published ago

Xoom customer service is non-existant! Two failed transfers in one day. Both confirmed, both said money was ready for pick-up, money not available when my friends got there. Tried to ring customer service only to get the message "no one is available" and for the line to be disconnected! Back to Western Union for me.

by Tony Davies

Stupidly I asked my friends in the U.S…

Review published ago

Stupidly I asked my friends in the U.S to send me money through this Xoom service before reading the reviews. I did this because Paypal makes it difficult for third world country users to withdraw their funds to their bank accounts. My friend said she is seeing where the funds have been withdrawn from her account but up to now I have no idea where those funds are as they have not reached my bank account. It's been more than 3 business days and they can't even answer a simple question as to where the funds are or how long it will take for the transaction to go through. I'm very worried at this point of reading the reviews now that I'm seeing where the money is not instant, fast or easy as promised.

by Ycj164 Jacqueline young

Unfair treatment vs Black

Review published ago

making salient the flawed and racially discriminatory practices of financial services at specific Xoom department of compliance and verification , doing unfair decision against Black,When Black consumers’ accounts exhibited signs of heavy activity, the department of compliance closed the accounts instead of conducting investigations as legally required, department of compliance they have a green light to do everything that they want , everything is legal in the name of security ,they are above any rule or law.

by ali

I availed of this service recently

Review published ago

I availed of this service recently, transferring £5k from PayPal. despite being verified in PayPal I had to undergo further identification checks with XOOM - they don't say this at all. What they fail to tell you is this. They are in Pacific Time zone 9-5. there is no support outside of these hours at all. Paypal = Global company, Xoom a PayPal company is not.. They also only have a limited number of countries for telephone numbers so you may have to call the US or one of the few they have. They say 2 hours.. well once you are verified and the bank accepts maybe, mine has still not cleared despite advising it was done yesterday evening. from my side the transaction is closed but the recipient is still clearing.. Had I been wanted all of these things I would have had less worry. If they had 24/7 support it would also be better, a web chat response or even a message on their phone system, informing support times. "I think I got there are no agents to take you call". When I did ring them I as put on hold and transferred, at no time was I offered a call back or an indication of how long I would have to wait. All the above issues would be easily fixed but because they are there, I can only give 3 stars.

by Anthony Stott

I sent a payment to croatia back in…

Review published ago

I sent a payment to croatia back in September for £750 The recipient didn't receive it and has provided proof from there bank which i have forwarded to xoom and i still get same response transaction was successful our end so case is closed! Im £750 short and cant get in touch via phone at all. DO NOT USE AT ALL!!!!!!!!

by Nikki Brewer

Nein Danke

Review published ago

Nein Danke, für Überweisung von 600€ fallen durch üngünstigen Umrechnungskurs plus Gebühren Gesamtkosten von ca. 30€ an. Meine Hausbank nimmt bei korrekten Umrechnungskurs 12,50€

by Siggi Müller

Xoom is waardeloos

Review published ago

Xoom onderdeel van Paypal maar je aan je Paypal gekoppelde Amex kaart wordt niet geaccepteerd. Waardeloos.

by Ruut

Me retienen el dinero después de q…

Review published ago

Me retienen el dinero después de q PayPal m lo retuviera 21 días Me piden documentación x un mensaje, xo al entrar a la app no m dicen nada o q documentos enviar. El menú de ayuda no carga. No puedo contactar. No tengo dinero. Increíble la basura de servicio q dan. Decian q el dinero llegaba en 3 horas, ahora ya ni siquiera sé si llegará. Ahora a pasar hambre la familia. Hdp

by Román León

Xoom - Avoid like plague.

Review published ago

More of the same story here: as an expat used PayPal's service via Xoom to transfer money to my mother back home. The first two transfers went through fine, but the third one (same sum) Xoom suddenly found "suspicious". Xoom demanded some additional documents like bank statements, payslips, proof of address etc. which I have provided in good faith that this will resolve it. It didn't. The third transfer was canceled nonetheless. Fine. So I just use another service (use google wise-ly wink wink) and my Mum received it in 10 minutes. End of story? It just begins.. Because Xoom charged PayPal but 4 days after the cancellation still haven't reimbursed the money, PayPal charged my linked bank account so suddenly I am in thousands of overdraft! In PayPal web UI the transfer was stuck in "Refund Pending" while Xoom was outright lying in my face that they see no problem in their system and the money was already sent back so buzz off. After 3 more days, a few shouty phone calls with the useless customer service and some never answered emails I felt lucky to even have my money back.. Based on similar stories I found on the internet starting from 2014 this unethical practice to hold back clients' money as long as possible (refund took 6 work days instead of the promised 4) is business as usual at Xoom and it hasn't changed even after PayPal bought them, you can find countless stories like mine, so they know what they are doing. And PayPal knows too, and they are fine with it, so I treat them in this story as absolutely complicit. Avoid like plague.

by Ms R.Babus

Katastrophaler Service

Review published ago

Katastrophaler Service. Zahlung wurde aus fadenscheinigen Gründen nicht ausgeführt und keiner informiert. Rate dringend von der Nutzung ab!

by Jürgen

Don't use Xoom. Very disappointing.

Review published ago

I have been attempting to transfer funds from the US to Mexico. Every time I try the transfer on the Xoom website, they cancel the transfer. When I call them, I am assured everything is fine. Then they cancel again. This has been going on for 3 weeks. All my paperwork with them is in order.

by Hap

£302.49 out of pocket.

Review published ago

In June 2020, I transferred £300 from my Paypal account into my bank account, this transfer was successful. However, on checking my bank account, I found that Xoom had taken £302.49 out of my account. I can only assume that my account has been hacked. I have reported this to both Xoom and Paypal, Xoom have not even bothered to contact me !

by Michael Sadler

First try, never again

Review published ago

First time user for a transfer from a PayPal account to our own business bank account, both accounts in the same country. All verification processes at PayPal side done with no issues. Transfer to Xoom accounts in real time. However, Xoom holds the money on their own accounts claiming that another and moreover ongoing verification process is needed on their side. As a PayPal certificated and authorized company? This first and not last Xoom verification process through telephone was done correctly but not accepted by the call centre worker which highlighted her company policy knowledge in that call as very subterraneously. Proceeding the bureaucratically style of service she asking the same questions again and again without getting the same presented information mainly based on her lack of understanding. And, on top tried throughout the call to educating me giving her an email statement for her follow up. Pointing out that the call centre assistant has to follow EU rights if the call centres public phone number is based in the EU ended up in a derangement of knowledge and asking again about an email statement. By the way: Nothing is stated on their terms of use policies where I could terminate my Xoom account, which I will do. If you like to send money to foreign countries Xoom maybe your choice, if you have to deal with their customer support, good luck. Conclusion for me: First try, never again, I will use my PayPal future balances in PayPal only transactions from now on.

by JC

HSBC authorized a transfer to XOOM and…

Review published ago

HSBC authorized a transfer to XOOM and the money is no longer in my account. XOOM claim they did not receive it. Despite much communication XOOM keep promising to call me but they never do. Therefore It appears my money has been effectively stolen by XOOM. They refuse to give me details of their regulatory body. XOOM are a bunch of scammers.

by David J Brooks

Soy usuario de xoom funciona muy mal

Review published ago

Soy usuario de xoom siempre me funciono bien , hoy hice un segundo envio a Colombia a una persona que hace dos días ya había hecho otro. A los minutos de hacerla y que me hayan cobrado me llega un mensaje de que necesitan una prueba de dirección y se la envie en seguida , al ver que no hacían el envio llame a atención al cliente pidiendo que revisara mi cuenta ya que era urgente enviar el dinero ya que tenia una persona en la frontera Colombia sin dinero para volver a casa y sin comida . Todo esto le dio igual a atención al cliente y su contestación fue que esperara 24 horas . Como voy a esperar si la persona esta sola sin poder volver a casa ni comer ??? Les dije que me devuelvan el dinero y lo envio por otra empresa y ahí me dijeran que se me lo devolvían demora de 3 a 7 días . Al final pedí devolución y tuve que volver a enviar el dinero por otra compañía. Debido a la falta de atención al cliente no recomendo usar este servicio ya que en una urgencia te dejan tirado. Que hubiera pasado si no me hubieran prestado mis amigos dinero para hacer el segundo envio . Se hubiera quedado mi amigo en Colombia sin comer y sin poder volver a casa hasta que a xoom le diera la gana???

by Trias Asesores

I have just read the review- and I wish…

Review published ago

I have just read the review- and I wish I did this before making a transaction recently. This was my first time using their service and I totally agree with the feedback just below - it certainly takes more than 2 hours and I still have no idea when this will be resolved. I have sent an email to their customer service team and have not received any response/update. I will not use Xoom again.

by Lala

No money since friday 😡😡

Review published ago

I have used this service many times and hod no problems. Always transfer was completed in less than 2 hours. Until last friday. Money is still in the air. Customer service said that their partner bank is having issues, but than you need to put warning in your website that transfers will take longer. I wouldn’t have used it if i would have know. It is Monday midday and still no money. No update or anything. So pissed!!!!!

by yes thatsme
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Xoom Money Transfer Company & Contact Info

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Phone:- 00 1 415-395-4225
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