₹ 74.31


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.

Today, Xoom offers one of the fastest money transfer services to India. Payments can be funded by a U.S bank account in the, debit cards, and credit cards. The money is sent directly to the bank accounts of the recipients. Non-Resident Indians can directly transfer their money to the NRE (Non-Resident External) and the NRO (Non-Resident Ordinary) bank accounts in India.

What's Good About Xoom:

  • Only Xoom gives you the perfect combo of fast bank deposits and amazingly better exchange rates.
  • Send up to $50,000 per transaction.*
  • Instant bank deposits** to available to HDFC Bank, PNB, Axis Bank and Yes Bank. Not available for all transaction amounts.
  • We offer deposits within four hours to other bank accounts in India, when sent during Indian bank processing hours.*** Not available for all transaction amounts.

* 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
$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
1 (877) 815-1531 or 1 (415) 395-4225
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
Verified SSN required


If you read the online reviews of Xoom one word that comes up repeatedly is “quick.” Quick money transfer is what Xoom, a leading online global money transfer service provider is known for. Established in 2001 and based in San Francisco, provides money transfer service to a large number of countries that include India, Philippines, Australia, South Africa, Europe, and more than 30 countries in Latin America.

Since Xoom is a relatively new company in the field of remittance the question of financial security and liability may loom on the customer’s mind. There is no reason to worry because Xoom is backed by major financial giants like Fidelity Ventures, SVB Capital, New Enterprise Associates, and Sequoia Capital, and managing the whole money transfer service in India is Xoom’s main partner - Punjab National Bank.

Xoom's money transfer services offers fixed locked-in exchange rate. Xoom provides one of the fastest money transfer service to India in less than 4 hours if the transfer is made during the processing hours of Indian Banks. Coming to the various modes of sending money Xoom operates on a simple process. The basic requirement to send money through Xoom is that the recipient needs to have a bank account in India. You can send money from a US bank account, or via Debit and Credit cards, and the money can be sent to over 80 banks in India.

Paying with a bank account is cheaper than paying with a debit or credit card. Xoom also clarifies that it charges for the service of converting Dollar into Rupee and rounds the amount to the nearest rupee.

Checking the status of transfer is also easy through Xoom. Their new status tracking center called Status Trak helps you track the money transfer through regular updates via email, text, web, and mobile, and via round the clock phone support.

Xoom also provides certain incentives for its customers. Xoom offers a unique service that is literally available at the fingertips of the customers. It has free mobile app (Android and Apple) that enables the customers to send money in the most convenient manner from their mobile devices.

There is also no transfer fee charged for customers sending more than $1000 to India from their bank accounts. Xoom always maintains excellent ethical standards. Xoom as a company is wary of fraud and scams and draws a long list of warnings and hypothetical scenarios for its customers on their website. The company emphatically voices the agenda behind transferring money: The money should be transferred to only those people the sender knows and the money sent has to be used for legal and personal purpose only.

Xoom is a very modern company and provides transparency as far as rules, guidelines, fee structure, and money transfer process are concerned. Bottom line is that choices are limited for modes of transfer with Xoom, but if you want to send your money in a fast and secure manner, Xoom might be your answer.


Posted on July 30, 2020, 07:26 am


Posted on July 17, 2020, 08:37 am

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 personal 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.

Posted on July 07, 2020, 11:16 am

They offer you your first 3 remit free, but I got upset that they sent me the code weeks after I had send 4 remits, and did not honor offer when I contacted them. The need to be specific with their add saying that you need to wait for the CODE before you send first remittance. I switched companies, but later return because their exchange rate to Guatemala is 20 cents to the Quetzal better that WU. PRESENTLY, i am having trouble reaching them due to a cancellation. Sent email, and my calls ... nobody answers. I just tried to get their website to log in and request refund again, and site is not appearing. Totally puzzling at this time. I just sent 4 remits this week end, and all good.

Posted on May 11, 2020, 08:15 am

HI , Used Xoom service to send money to India for emergency purpose and money is still not credited to the receiving back account . Wrote 11 emails to customer care but never got appropriate response ....only saying its completed form our end. No one is looking in to it and giving any reasonable answer to trace the money . Feel like being cheated as they are not able to fulfill their commitment of transferring money in timely and safe manner. And customer care is horrible they even don't feel the pain of the customer. Hope Xoom Management will look into this matter and help to get money . Transaction ID is XX4X2AZY (Authorized on: May 7, 2020, 3:21 PM) Thanks Ankur

Posted on April 28, 2020, 08:50 am


Posted on April 28, 2020, 08:49 am

Worst service, they just deserve for "0" rating, waste of time and tensions

Posted on April 03, 2020, 11:57 am

though it is fast but at a low exchange rate compared to other providers which also deliver as fast as xoom so there is no reason why i have to continue with xoom

Meenakshi Kaul
Posted on March 17, 2020, 10:17 am

Worst customer service. My transaction was marked complete but I never received the money. After multiple emails and follow-ups I still don't have an Idea when I will get my money back. All I get from them that they are following up. It has been a very frustrating experience.

Posted on March 08, 2020, 08:01 am

I tried to use xoom to send $600 from my bank in the U.S. to Thailand. I was informed that my transfer was “pending.” When I called to find out why (I had previously sent money to India with no problem), I never got a reason. Instead, I was asked what I was going to use the money for! I told them it was irrelevant. Next, I was asked when I planned to return to the U.S. (I am a U.S. citizen living in Thailand). I told the “agent” that was also irrelevant. I was then asked to send a copy of my passport information page and my most recent bank statement! I refused, of course. Oh, and they canceled my transaction. I will never use Xoom again.

Posted on February 29, 2020, 09:27 am

Excellent Service by Xoom. My funds got disbursed and credited within 2 hours of initiation of first time transfer request. Very user friendly service, no KYC based on documents, as long as you've valid SSN, you should be good to go ahead. I tried Remit2India before going for XOOM because of their lower rate but Remit2India is worst in the market. Other remit service providers like InstaRem, Remitly provides better rate but there are lot of limitations on their end too. e.g. max amount to be sent using ACH mode, in a 24 hours etc. but XOOM doesn't has any such limitation. I think only thing which XOOM can improve on is if they can provide slightly higher rate then it will be an excellent benefit for their customers. I sincerely recommend XOOM based on my experience with them, if time is money for you and funds are needed urgently back home in your country then XOOM is the option you should go for. Please keep up the same standard of service XOOM.


Partner With CompareRemit

The world’s top remittance companies have chosen to work with CompareRemit and are already reaping the benefits. You can too. View Testimonials.
Put your brand in front of millions of active remittance users, ready to send money using your services.
Contact Us