Xoom
Xoom lets customers send money, pay bills abroad, and reload prepaid phones for family and friends.
What Xoom is
Xoom lets customers send money, pay bills abroad, and reload prepaid phones for family and friends. It is available on the web, Android, and iOS, and supports senders in the United States, Canada, the United Kingdom, most EEA countries, and Australia. Australian senders cannot use bill pay or mobile reloads. Depending on destination, recipients can receive money by bank transfer, debit card, mobile wallet, cash pickup, or home delivery. Xoom says it serves over 150 countries, while mobile reloads are offered in over 90. It can also pay electricity, internet, and other household bills abroad. Payment methods vary by sender location and may include bank accounts, debit or credit cards, and eligible PayPal-linked funds. Xoom shows the fee and recipient amount before authorization. Fees vary by transaction details, and the exchange rate includes a currency conversion spread; transfers funded with PayPal USD (PYUSD) have no Xoom transfer fee. Xoom describes transfers as instant; mobile reloads typically arrive within minutes, subject to carrier and network conditions. The app supports sending money and tracking transactions. Xoom says customer support is available by phone and email every day.
Good
- Offers several recipient payout methods.
- Shows fees and recipient amount before authorization.
- Supports transfer tracking in its mobile app.
- PYUSD-funded transactions have no Xoom transfer fee.
- Provides phone and email support every day.
Watch out
- Australian senders cannot use bill pay or mobile reloads.
- Fees and exchange rates vary by transaction.
- Reload limits apply to a single phone number.
- Transfer amounts may be limited.
Who it suits
Xoom is intended for people sending money, paying bills, or reloading phones for family and friends in supported locations. Its personal-use terms say only natural persons are eligible to send.
Verdict
Xoom combines money transfers with international bill payments and prepaid mobile reloads. Check sender eligibility, destination options, and transaction costs before authorizing a transfer.
The facts
Each one read from Xoom's own pages, with the date it was checked.
What it does
- Bill payment
- Xoom lets customers pay electricity, internet, and other home bills abroad for family and friends.checked 9 Oct 2026
- Coverage
- Xoom says it helps people send money to family and friends in over 150 countries.checked 9 Oct 2026
- Exchange-rate model
- markupchecked 20 Sep 2026
- Fees and exchange rates
- Fees depend on the transaction type, payment method and currency, amount, destination, and receive currency; Xoom says its exchange rate includes a currency conversion spread.checked 9 Oct 2026
- Fraud monitoring
- Xoom says its security measures include data encryption and 24/7 fraud monitoring.checked 9 Oct 2026
- Intended users
- Xoom recommends using its services to send money, reload phones, or pay bills for people you know personally, such as family and friends.checked 9 Oct 2026
- Limits and intended use
- Xoom may limit transfer amounts, and its user agreement says the service is for personal reasons and only natural persons are eligible to send.checked 9 Oct 2026
- Mobile reload
- Xoom supports purchases of prepaid mobile telephone plan credits through third parties.checked 9 Oct 2026
- Mobile reload coverage
- Xoom offers mobile reloads to over 90 countries.checked 9 Oct 2026
- Mobile reloads
- Xoom says mobile reloads can typically be delivered in minutes, though timing may vary with the mobile carrier and network conditions.checked 9 Oct 2026
- Payment methods
- Depending on availability, customers may pay using a credit card, debit card, bank account, or PayPal balance.checked 9 Oct 2026
- Payout options
- Available money delivery options include bank transfer, cash pickup, debit card transfer, home delivery, and mobile wallets.checked 9 Oct 2026
- Pricing disclosure
- Xoom says it shows the exact fee and recipient amount before a transfer is authorized; fees and limitations apply.checked 9 Oct 2026
- Refund guarantee
- Xoom says it guarantees the recipient will receive the money or it will refund the transaction in full.checked 9 Oct 2026
- Regulation
- Xoom says it is a PayPal service and that money transmission is provided by PayPal, Inc. under its licenses, with federal and state oversight in the United States.checked 9 Oct 2026
- Reload limits
- Xoom’s payment partners limit reloads to a single phone number to 10 in one day, 15 in seven days, and 40 in 30 days.checked 9 Oct 2026
- Security
- Xoom says its website uses 128-bit encryption and that stored information is protected physically and electronically behind a firewall.checked 9 Oct 2026
- Service
- Xoom is a PayPal service for sending money, reloading prepaid mobile plans, and paying bills.checked 9 Oct 2026
- Support
- Xoom says customer support is available by phone and email every day.checked 9 Oct 2026
- Supported sender locations
- Xoom says senders can use the service from the United States, Canada, the United Kingdom, most EEA countries, and Australia; reload and bill pay are unavailable to Australian senders.checked 9 Oct 2026
Money
- Fee-free funding
- Xoom says it does not charge transfer fees for transactions funded using PayPal USD (PYUSD).checked 9 Oct 2026
The company
- Founded
- 2001checked 28 Sep 2026
Where it runs
- Mobile apps
- Xoom offers an app for sending money and tracking transactions, with download links for Google Play and the App Store.checked 9 Oct 2026
- Mobile platforms
- bothchecked 20 Sep 2026
Alternatives to Xoom
- 1
Send App
Free planAndroidiOSWebAPI8.5$5 one-time - 2
Satispay
Free planAndroidiOSWebAPI8.5From €39.99 a year - 3
Mercado Pago
Free planAndroidiOSWebAPI8.4$1.49 one-time - 4
Wise
Free planAndroidiOSWeb8.2Free plan - 5
Remitly
Free planAndroidiOS8.2$2.99 one-time - 6
Panda Remit
Free planAndroidiOSWeb8.2Free plan