Comparison
Wise vs Xoom (PayPal): Fees, Rates & Speed Compared
Wise ahead on USD → NGN; Xoom (PayPal) nowhere.
Reviewed by Awais ImranOur methodology
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Wise
Won 1 of 1 routes here
4.3
Xoom (PayPal)
Won 0 of 1 routes here
4.6For this pair, define the destination product before comparing the quote. A Wise account transfer and a Xoom collection offer may both serve the same country while solving different recipient needs.
Live comparison: Wise vs Xoom (PayPal) across popular corridors
Recipient payout route by route, Wise against Xoom (PayPal), from collected quotes (not guaranteed).
| Corridor | Wise | Xoom (PayPal) | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹95,489.95 | — | N/A |
| GBP → EUR(£1,000) | €1,172.07 | — | N/A |
| USD → PHP($500) | ₱31,173.23 | — | N/A |
| USD → MXN($1,000) | MX$18,027.26 | — | N/A |
| GBP → PKR(£500) | ₨182,920.21 | — | N/A |
| USD → NGN($200) | ₦265,958.84 | ₦262,664.36 | Wise (+₦3294.48) |
Wise vs Xoom (PayPal): Feature comparison
| Feature | Wise | Xoom (PayPal) |
|---|---|---|
| Overall rating | 4.3/5 (Excellent) | 4.6/5 (Excellent) |
| Fee structure | Variable fee from 0.41% | From $0 to $4.99 |
| Exchange rate markup | 0% (mid-market rate) | 1% - 3% above mid-market |
| Transfer speed | Instant to 2 days | Minutes to 3 days |
| Supported countries | 80+ | 130+ |
| Supported currencies | 50+ | 50+ |
| Max transfer | $1,000,000 | $50,000 |
| Delivery methods | Bank Deposit, Wise Account | Bank Deposit, Cash Pickup, Mobile Reload |
| Regulators | FCA, FinCEN, ASIC | FinCEN |
Bank payment versus the destination options in Xoom
For an invoice payable into a bank, select that account as the endpoint in both services. If the family wants a Xoom pickup instead, treat the pickup as its own offer and verify the collection instructions. Do not award a cost winner to an account-only price that the intended recipient cannot use.