Xoom (PayPal) review

Xoom, a PayPal service, offers fast international money transfers with options for bank deposit, cash pickup, and mobile reload in 130+ countries.

Our verdict on Xoom (PayPal)

Xoom is a strong choice for cash pickup and mobile reload transfers, especially to Latin America, the Philippines, and India. The PayPal backing gives it a level of trust and security that few competitors match. However, the exchange rate markup of 1–3% above mid-market is its biggest weakness and makes it significantly more expensive than <a href="/companies/wise">Wise</a> or <a href="/companies/ofx">OFX</a> for large bank-to-bank transfers. If your recipient needs cash pickup or mobile airtime top-up and you value PayPal's ecosystem, Xoom delivers. For large transfers where the exchange rate matters most, look at Wise or <a href="/companies/remitly">Remitly</a> instead.

How we tested Xoom (PayPal)

We tested 6 corridors through Xoom (USD→INR, USD→PHP, USD→MXN, USD→BRL, USD→PKR, USD→COL) between February and March 2026. Each transfer was tested using both bank transfer and debit card funding to verify fee differences. We checked cash pickup availability in Mexico, the Philippines, and India, and verified mobile reload functionality for the Philippines. Exchange rates were compared against the mid-market rate at the time of each transfer to measure the actual markup. Our automated scraping system also collects Xoom quotes every 6 hours across supported corridors to track fee and rate fluctuations.

Is Xoom (PayPal) the right choice?

Xoom is PayPal's remittance service: cash pickup, mobile reload and bank deposit across roughly 130 countries, funded from a PayPal balance, a bank account or a card, and settling in minutes on most routes. Its proposition is speed and the removal of friction for people who already hold a PayPal account — the identity checks are largely done, and funding is immediate. It is priced accordingly, and our coverage of it is thinner than for most providers on this page, which we would rather say than paper over.

What we measured over the last 91 days

Over the last 91 days Xoom was the most frequent winner on 2 of 72 comparable corridors (2.8%), on AUD→GBP, AUD→INR. When it was not first it trailed by 5.64% on average, so choosing it by default has a measurable cost. Its average all-in cost at $1,000 was 3.02%, but that figure rests on only 131 corridors, far fewer than the 248 behind Wise's, so treat it as indicative rather than as a like-for-like ranking.

Before you send with Xoom (PayPal)

Xoom prices cash pickup differently from bank deposit, and funding from a card costs more than funding from a bank account, so quote your exact combination. Because our measured coverage of Xoom is narrow, treat the figures above as indicative and get a live quote for your corridor and amount before relying on them.

The corridors it led: AUD→GBP, AUD→INR. That is not a pattern worth reading much into given how thin the sample is — 2 of 72 comparable corridors — but it is the whole list, and it tells you where to actually check a live quote rather than assume Xoom performs the same way on a US-originated transfer.

When to look past Xoom (PayPal)

• Wise: Mid-market exchange rates with 0% markup — significantly cheaper for bank-to-bank transfers
• Remitly: Similar cash pickup and mobile money options with generally better exchange rates
• Western Union: Largest cash pickup network globally (500,000+ locations) for the most remote destinations
• WorldRemit: More mobile money options (M-Pesa, GCash, bKash) for African and Asian corridors

Xoom (PayPal) features

Xoom (PayPal) transfer details

Published by Xoom (PayPal). Not measured by us; Xoom (PayPal)’s limits and methods vary by country.