Xoom, A PayPal Service Reviews 

193,798
TrustScore 4.5 out of 5

4.6

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 89,195 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the service for being fast, reliable, and secure, making international money transfers hassle-free. Many people appreciate the ease of use and efficiency, with transactions often completed within minutes. Reviewers frequently highlight the excellent user experience, noting that payments are processed quickly and reliably. However, some customers noted concerns regarding pricing. People mentioned that exchange rates were sometimes considered too high, leading to less money received than expected. Additionally, some reviewers were not happy with transaction fees, feeling these were excessive given existing exchange rate profits.

What people talk about most

Service

Clients share positive opinions on service, consistently highlighting its speed, reliability, and convenience... See more

User experience

Customers had positive experiences with user experience, consistently praising the app's ease of use and the... See more

Payment

Reviewers highlight positive aspects of payment, frequently praising its speed and ease of use for various... See more

Price

Consumers find price to be ambiguous, with some reviewers praising reasonable fees and competitive rates,... See more

Response time

Customers consistently note positive experiences with response time, with some receiving money in just one... See more

Reviews shaping this summary

Rated 5 out of 5 stars

It's really great to be able to transfer money without hassles to individuals that are doing projects for me, it's fast and easy and they have different financial options to choose from. I've been usi... See more

Rated 5 out of 5 stars

I’ve been using Xoom for over 10 years, and I’ve never had a problem with any of my transactions. I send money to the Philippines every month—sometimes more than once a month—and every transfer has be... See more

Rated 5 out of 5 stars

I always use Xoom whenever I need to send money internationally. It’s safe, reliable, and the transfer is almost instant. I’ve never had an issue, and the speed gives me peace of mind every time.

Rated 5 out of 5 stars

Xoom has saved my life. Moved abroad 2 years ago with some financial obligations in my home country. Transfers are completed in less than 10 minutes with the best rate and costs.


Company details

  1. Money Transfer Service
  2. Financial Consultant

Written by the company

Trusted by millions. Fast, secure, and affordable money transfers — powered by PayPal, at the speed of Xoom. Send money to over 150 countries from the United States, Canada, Australia, Europe, and the UK with flexible and convenient options, including: Bank and debit card deposits; Mobile wallet transfers (UPI, PIX, Mercado Pago, GCash, and more); Cash pickup and home delivery; and, Mobile phone reloads. When sending money to friends and family, every cent counts. We’ll show you the exact fee and the amount they'll receive before you hit send. Fees and limitations apply. Our security measures, including data encryption and 24/7 fraud monitoring, help safeguard your transactions and keep your full financial info secure every step of the way. Count on our dedicated team. We have customer service centers across the globe with support in multiple languages. Since 2001, millions of customers have relied on Xoom to send money around the world. Popular delivery options Send money directly to major partners across key corridors: Mexico: OXXO, Elektra, BanCoppel, Mercado Pago, Spin by OXXO, BBVA, Banco Azteca, Banorte India: HDFC, PNB, Axis Bank, YES Bank, Muthoot Finance, Manappuram Finance Philippines: BDO, BPI, PNB, Cebuana Lhuillier, M. Lhuillier, GCash, Coins, PayMaya, GrabPay, and door-to-door delivery

Fast, secure, and affordable online money transfers

Written by the company

Send money to Mexico
Send money to the top cash pickup locations and banks throughout Mexico, such as Oxxo, Elektra and BanCoppel. Transfer money directly to Mercado Pago and Spin by OXXO mobile wallets. Make bank deposits to all major banks, including BBVA (Bancomer), Bancoppel, Banco Azteca and Banorte.
Send money to India
Make UPI and bank deposits to all major banks, including HDFC Bank, PNB, Axis Bank and YES Bank. Send money to the top cash pickup locations and banks throughout India, such as Muthoot Finance and Manappuram Finance.
Send money to the Philippines
Send money to the top cash pickup locations and banks throughout the Philippines, such as Cebuana Lhuillier and M. Lhuillier. Make bank deposits to all banks, including Banco de Oro (BDO), Bank of the Philippine Islands (BPI) and Philippines National Bank. Transfer money directly to mobile wallets, including Coins, U-mobile, GCash, PayMaya and GrabPay. You can even go for door to door delivery service right to your recipient's front door with Signed and Delivered (S&D). Deposit directly to a bank account in the Philippines by quickly entering your recipient’s debit card number. The money will be deposited into your recipient’s bank account – like a bank deposit. Funds are typically deposited in minutes. Available only to US senders who are sending to eligible debit cards. Fees, limits and other holds may apply.
Send money to Guatemala
Send money for cash pickup and bank deposit to the top pickup locations and major banks in Guatemala, including Banrural and Banco Industrial. Deposit directly to a bank account in Guatemala by quickly entering your recipient’s debit card number. The money will be deposited into your recipient’s bank account – like a bank deposit. Funds are typically deposited in minutes. Available only to US senders who are sending to eligible debit cards. Fees, limits and other holds may apply.
Send money to Europe
Fast, secure, and affordable online money transfers to Europe. Choose from a variety of flexible and convenient options for every transfer. Transfer to bank accounts and debit cards. Send cash for pickup. Reload mobile phones. You can send USD from the United States to bank accounts across Europe using Xoom. Supported countries include Germany, France, Italy, Spain, Portugal, Austria, and more. Simply enter your recipient’s bank details and we’ll deliver the money directly to their account.

Contact info

4.6

Excellent

TrustScore 4.5 out of 5

194K reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.6

All reviews

(193,798)

102,504 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

it was quick

it was quick, easy and secure... panicked when I saw that I did not have enough in bank account and within minutes, the transfer went thru!

23 July 2026
Rated 1 out of 5 stars

XoomPayment Marked as Completed, But Funds Never Received processed and sent my payment to…

I had a very disappointing experience with Xoom. I sent a transfer to my NayaPay debit card using the correct card details. Xoom marked the transaction as completed, but the funds were never credited to my account.

I was asked to provide my bank statement, which I submitted promptly. The statement clearly confirmed that the payment was not received. Despite providing the requested evidence, my issue remains unresolved.

What concerns me most is that the transaction was processed without ensuring it could be successfully completed. If my destination card was not supported or there was any issue with the transfer, the payment should have been rejected before being marked as completed.

I have repeatedly requested either the ARN (Acquirer Reference Number) so my bank can trace the payment or a refund back to my PayPal account if the transfer cannot be completed. Unfortunately, I have not received a satisfactory resolution.

I expected better communication, transparency, and customer support from a PayPal service. Based on my experience, I cannot recommend Xoom until this issue is resolved.

22 July 2026
Rated 5 out of 5 stars

Reliable

This is a reliable service. Have been using it over years. Money always arrived without delay.
The funds are now on your account in a matter of minutes.

22 July 2026
Rated 1 out of 5 stars

This is NOT a PayPal service. No security at all

You call yourself a PayPal service but do not make it clear you have NONE of PayPal’s security guarantees. This should be made VERY clear in your marketing and in the PayPal App. I will NOT be using Xoom again as I may as well send my money straight into the ether as it will be just as unprotected as using your “services”

21 July 2026
Rated 5 out of 5 stars

everything ok

everything ok - but perhaps it would be possible to add a space where you can write the reason für the money transfer! best regards

23 July 2026

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look