Xoom (PayPal) Review
PayPal's international money transfer service
Xoom is a PayPal subsidiary focused on international remittances, primarily for US customers. It integrates seamlessly with PayPal balances and supports bank deposit, cash pickup, and home delivery in select countries. Xoom is convenient for existing PayPal users but is generally more expensive than Wise or WorldRemit.
Key facts
- Typical fee: $4.99 – $8.99
- Exchange margin: ~2.5%–3.5% above mid-market
- Delivery time: Minutes – 3 business days
- Best for: PayPal users sending from the USA
- Min transfer: $10
- Max transfer: $10,000 per day
Pros
- Seamless PayPal integration
- Home delivery option in select countries
- Fast delivery for many popular corridors
- Reliable customer support
Cons
- Primarily designed for US senders
- Higher fees than Wise or WorldRemit
- Exchange rate margin not competitive
Popular corridors
FAQs
Is Xoom part of PayPal?
Yes. PayPal acquired Xoom in 2015. You can fund Xoom transfers from your PayPal balance, linked bank account, or debit/credit card.
Is Xoom cheaper than Wise?
No — Wise is almost always cheaper. Wise uses the mid-market rate while Xoom applies a 2.5–3.5% exchange rate margin. For large transfers, the difference can be significant.
Can non-US residents use Xoom?
Xoom is primarily designed for US residents. It is mainly useful if you have a US bank account or PayPal balance.
Does Xoom support cash pickup?
Yes. Xoom offers cash pickup through OXXO in Mexico, Cebuana in the Philippines, and Western Union locations in many countries.