Revolut vs Xoom (PayPal): Fees, Rates & Speed Compared
Revolut ahead on GBP → EUR, GBP → PKR; Xoom (PayPal) on USD → INR, USD → PHP.
Revolut
Won 2 of 4 routes here
4.7
Xoom (PayPal)
Won 2 of 4 routes here
4.6An existing Revolut customer may already hold the currency they want to send. Xoom presents a separate remittance checkout. Comparing the exchange rate alone misses whether another conversion or funding step is necessary to reach that checkout.
Live comparison: Revolut vs Xoom (PayPal) across popular corridors
Recipient payout route by route, Revolut against Xoom (PayPal), from collected quotes (not guaranteed).
| Corridor | Revolut | Xoom (PayPal) | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹96,279.98 | ₹96,347.40 | Xoom (PayPal) (+₹67.42) |
| GBP → EUR(£1,000) | €1,154.92 | €1,138.24 | Revolut (+€16.68) |
| USD → PHP($500) | ₱31,192.62 | ₱31,474.20 | Xoom (PayPal) (+₱281.58) |
| USD → MXN($1,000) | MX$18,298.18 | — | N/A |
| GBP → PKR(£500) | ₨182,067.84 | ₨179,035.62 | Revolut (+₨3032.22) |
| USD → NGN($200) | — | ₦263,955.31 | N/A |
Revolut vs Xoom (PayPal): Feature comparison
| Feature | Revolut | Xoom (PayPal) |
|---|---|---|
| Overall rating | 4.7/5 (Excellent) | 4.6/5 (Excellent) |
| Fee structure | Free up to £1,000/month, then 0.5% | From $0 to $4.99 |
| Exchange rate markup | 0% weekdays, 0.5-1% weekends | 1% - 3% above mid-market |
| Transfer speed | Instant to 3 days | Minutes to 3 days |
| Supported countries | 150+ | 130+ |
| Supported currencies | 36+ | 50+ |
| Max transfer | No limit | $50,000 |
| Delivery methods | Bank Deposit, Revolut Account | Bank Deposit, Cash Pickup, Mobile Reload |
| Regulators | FCA, ECB, FinCEN | FinCEN |
Account balance or a separate remittance?
Write down the starting balance currency and the currency of the final debit. If the money has already been converted, compare the remaining transfer cost. If a new conversion is required, include it once. For collection rather than a bank credit, check the destination options in each service before selecting a rate.