Xoom, a PayPal service, is a digital money transfer provider based in San Francisco, CA. Xoom offers a convenient way to send money, reload pre-paid mobile phones, and pay bills for family and friends around the world in a fast, secure, and cost-effective way, using your mobile phone, tablet or desktop computer. Using Xoom, customers can send money to over 60 countries, including Mexico, India, the Philippines, and throughout Europe, Asia, and Africa.

Since 2001, Xoom has been a leading force in transforming the remittance industry. Xoom was one of the first companies to spearhead the move from brick-and-mortar remittance services to a digital experience; then came the platform shift from desktop to mobile channels. Whether it’s expanding its country footprint to serve more recipient countries, directly partnering with local banks and utility companies, or innovating new product features, Xoom has been steadfast in its commitment to making international remittances easier, more secure, and more affordable for people.

* May not be available for all transactions. Transaction amounts depend on various factors, including but not limited to approval by the Xoom proprietary anti-fraud verification system, disbursement method, recipient country, and partner processing limits.

** Speed of service subject to processing systems availability, good funds availability, IMPS transaction sending limits, and approval by Xoom’s and Indian banking partners’ verification systems. May not be available for all transactions. Instant deposits to India are processed through Xoom’s partnership with Punjab National Bank and/or HDFC Bank.  Xoom does not partner with any other bank for instant deposits.

*** For transactions submitted during bank processing hours in India Monday to Friday 9 a.m. – 5 p.m. and Saturday 9 a.m. - 11 a.m. IST. Speed of service subject to bank processing hours in India, processing systems availability, good funds availability and approval by each of Xoom and Indian banking partner’s verification system. May not be available for all transactions.

FEATURES ((Currently showing rates for USA to IND change)

Today's Rate
$ Amount
₹ Exchange Rate
$0 - $50
$0 - $999999
$51 - $1999
$2000 - $9999
$10000 - $50000
Exchange Rate Type
Transfer Fee
Bank Account
$ Amount
Up to $500
$501 - $999
$1000 - $50000
Fees may be more when paying with a Debit Card or Credit Card
Transfer Time
Bank Deposit
Instant to 2 Hours
Cash Pickup
Instant to 2 Hours
Transfer Type
  • Credit Card/Debit Card
  • ACH Transfer
Daily Transfer Limit
Customer Service Info
Company Headquarter
San Francisco, California
Company Type
Remittance Providers
Mobile App
Company Established
Text Update (SMS)
Email Updates
Provider's FAQs
Referral Program
Key Feature
  • Only Xoom gives you the perfect combo of fast bank deposits and amazingly better exchange rates.
  • Send up to $50,000 per transaction.
Document Requirements


Posted on June 19, 2024 12:00 pm

Absolutely awful. Don't know how it shows up as 4 stars when all the reviews show one or two stars. Everyone seems to have the same issue as me. One transfer works fine, but after that it is blocked and they refuse to talk to you about it. No reason why is given, no way to unblock your account, they say to validate by sending documents like passport and then say they cannot verify even though you send legitimate papers for everything they ask for. Not worth the headache or the hassle. Stay away if you value your peace of mind!

Posted on May 25, 2024 11:47 am

If I could give 0 stars I would. I've been a big user of PayPal for years, but I just tried Xoom. Right from the get-go they asked me to call them to verify my identity. I did. They asked me to upload a form of identification. I did. They told me they couldn't verify it. I called them again. They said they couldn't verify the documents and that my transaction was cancelled. And then they hung up on me. They then sent me an email saying that, if I wanted to make a transfer, I would have to get them to verify my account and told me to call them again. I did. They again said they couldn't verify my account and said bye and went to hang up on me again and I said wait why can't you verify my account? They said they couldn't tell me because I wasn't verified. And they kept reading off a script. Just repeating that they couldn't verify me and that my transaction was cancelled. And I asked how would I ever be able to send money if they can't verify me and they basically told me that I would never be verified and I would never be able to use their service, but would not tell me why, even though I've been using PayPal for years and they have my identification. So, why did they ask me for all that info if they weren't going to verify me? Did they just do that to steal my info? I'm not sure, but it's very suspicious. 0 stars. Do not recommend.

Posted on January 31, 2024 01:11 am

As their shitty parent paypal, this company will pretend they will do the job but after 1 day they will come back and ask all personal documents. This is a scam. If you need documents, ask in the beginning. Total shitty disrespectful company, keep away unless you have to. I am just trying to get my money back.

Posted on January 19, 2024 06:57 am

I have used xoom fairly regularly over the last seven years. Generally, it was working very well. Three months ago I transferred $2200 from the US to the UK and the money never arrived. I’ve provided every documentation that xoom has requested… And they still can’t find the money. I’m now being forced to take legal action. Once you give them everything they ask for… And they still can’t find the money… All you hear is crickets.

Joe saladi
Posted on November 16, 2023 04:23 pm

Paolo the rudest most unprofessional representative I dealt with in 6 Plus decades on earth. Horrible service 1 hour on the phone promises promises never lets the transaction go through and disconnects me with no explanation. Rude and disgraceful. With a million other ways to send money I will never use these horrible people or their disgraceful Representatives again. They should start by firing him.. This idiot refused to give us a supervisor when requested numerous times. He is a Disgrace.

Posted on May 05, 2023 12:29 pm

I tried to use Xoom. I REALLY tried. I made about 20 hours of calls to their customer service and verification department. Basically it just does not work. Most infuriating customer service personal on earth.

Posted on February 18, 2023 08:42 am

Tried to send $100 to a friend in Ghana. First was notified by Xoom that the money had reached my friend's bank. The next day I was notified that the transaction had been cancelled, with no reason given. Upon calling the customer service line I was told that "our bank partner gave no reason for cancelling the transaction." My friend badly needed the money immediately, and now we're up a creek. Was it because it was Africa? But technically Xoom sends money to Africa. It was a small amount of money, so there should'nt be a $ limit. I'm absolutely disgusted with Xoom. Don't promise what you won't deliver.

Posted on December 08, 2022 08:44 am

Transaction done a week ago, still money isn't received in target account. Multiple calls to customer care, emails to customer care. Nothing happens. When you are in an emergency to send money, never use their services. I am quitting Xoom today.

Mariamma John
Posted on April 28, 2022 10:43 am

I tried to send money to india from my bank account,after everything done I received email that my transaction canceled.I called customer service to know why transaction canceled the lady ROCHELLE asked me too much questions about the verification which is why am I sending the money and she want to know where I am currently locating when I send money,and if I am sharing anyone my family about the transaction ???????????? I don’t understand why she is asking this bullshit questions.It’s my money ,my account it’s none of their business asking these questions.The lady ROCHELLE is too much she ate my head.I never recommend anyone to use Xoom.

Posted on July 15, 2021 05:14 pm

They blocked my account after 8 years for no particular reason. I used a new bank account and they couldn't verify it. that's it and when I called them to ask why, they blocked my account.

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