Comparison
Western Union vs Xoom (PayPal): Fees, Rates & Speed Compared
Western Union ahead on USD → NGN; Xoom (PayPal) nowhere.
Reviewed by Awais ImranOur methodology
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Western Union
Won 1 of 1 routes here
4.3
Xoom (PayPal)
Won 0 of 1 routes here
4.6Xoom is a digital PayPal service; Western Union also offers an in-person sending channel. Someone holding physical cash has a different starting point from someone funding online. Select that starting point before treating the two prices as interchangeable.
Live comparison: Western Union vs Xoom (PayPal) across popular corridors
Recipient payout route by route, Western Union against Xoom (PayPal), from collected quotes (not guaranteed).
| Corridor | Western Union | Xoom (PayPal) | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹95,809.98 | — | N/A |
| GBP → EUR(£1,000) | €1,153.64 | — | N/A |
| USD → PHP($500) | ₱30,279.22 | — | N/A |
| USD → MXN($1,000) | MX$17,950.31 | — | N/A |
| GBP → PKR(£500) | ₨182,165.16 | — | N/A |
| USD → NGN($200) | ₦267,899.55 | ₦262,662.36 | Western Union (+₦5237.19) |
Western Union vs Xoom (PayPal): Feature comparison
| Feature | Western Union | Xoom (PayPal) |
|---|---|---|
| Overall rating | 4.3/5 (Excellent) | 4.6/5 (Excellent) |
| Fee structure | From $0 to $10+ depending on method | From $0 to $4.99 |
| Exchange rate markup | 1% - 4% above mid-market | 1% - 3% above mid-market |
| Transfer speed | Minutes to 5 days | Minutes to 3 days |
| Supported countries | 200+ | 130+ |
| Supported currencies | 130+ | 50+ |
| Max transfer | $50,000 | $50,000 |
| Delivery methods | Bank Deposit, Cash Pickup, Mobile Wallet | Bank Deposit, Cash Pickup, Mobile Reload |
| Regulators | FinCEN, FCA, Various | FinCEN |
The sender’s funding method can decide this pair
For an online-funded transfer, obtain a Xoom quote and a Western Union online quote using the same receiving method. If paying at a Western Union counter instead, request that counter’s total price. Do not carry an app price into an agent visit and assume it applies.