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 $10,000 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 INR change )

Today's Rate
$ Amount
₹ Exchange Rate
$0 - $999
$1000 - $1999
$2000 - $10000
Exchange Rate Type
Transfer Fee
Bank Account
$ Amount
₹ Fee
Up to $500
$501 - $999
$1000 - $10000
Fees may be more when paying with a Debit Card or Credit Card
Transfer Time
Bank Deposit
Up to 4 Hours
Cash Pickup
Up to 1 Hour
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 $10,000 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, Xoom.com 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 31, 2017, 11:34 pm

I am 59 years old. Have never been so frazzled in my life. Asked to sign up for money transfers. Was asked to send bank statement. Sent copy of online statement. Not accepted as 'unclear' Re sent. Not accepted. Need copy of paper statement. Re sent. Need identification. Sent. Not accepted. Picture totally clear but not accepted. Re Sent. Not accepted. Why do you people waste my time. Just say No and move on. Horrible to work with and after all the frustration - Nothing !

Posted on June 22, 2016, 02:33 am

excellent customer service - fastest transfer . Rates are a tad lower

Posted on March 02, 2016, 09:18 am

Xoom is awesome, you send money from here, you instantly receive in your account. At the max they takes hardly an hour to send the money. I like them, Only thing which they can improve upon is their exchange rates, other companies are offering way more than them,

Posted on February 15, 2016, 06:17 am

Very fast, reliable and decent rate. All you want

Posted on January 25, 2016, 08:12 am

Simply Amazing!! Instant money transfer even with bank account transfer too. No time taken for additional -verification. Highly recommended.Also u will get your referral gift cards within a blink of your eye. :)

Posted on January 20, 2016, 02:30 pm

I had a very good experience , excellent one and it was very good. Customer support were very friendly too.

Posted on January 05, 2016, 08:56 pm

Excellent..on time

Posted on December 17, 2015, 12:53 pm

Awesome money transfer website, very user friendly. Highly secure, very fast

Posted on December 11, 2015, 06:34 pm

Xoom is simple and sexy. We all know there exchange rates are low but there service is gr8. If u need peace of mind go with them. Faster service (at least in my case multiple times). There notification system is awesome I get status updates on my email and as sms, I have used almost every money transfer service I feel these guys are gr8 and they take good commission for the hardwork they do. I usually do my transfers late night US time , I go to bed with peace of mind I know my money will reach safely :-) thank u guys

Posted on October 17, 2015, 12:04 pm

One of the best services I have used. Very smooth and easy to use. Customer support is very good. When requested, they increased my limits within a day and I was able to send money on time. Its super fast, when compared to others like WU, etc. First transaction takes 3-4 hours, but transaction after that were in few minutes. Although their transfer rate is not as great as others like Transferwise, but the service is very fast, Reliable, easy to use. And the best part, you do not provide any important documents like SSN (transferwise asks for this). Cheers!!