Xoom (PayPal) vs TapTap Send: Fees, Rates & Speed Compared
Xoom (PayPal)
4.7Xoom, a PayPal service, offers fast international money transfers with options for bank deposit, cash pickup, and mobile reload in 130+ countries.
TapTap Send
4.7TapTap Send is a mobile-first money transfer app with zero or minimal fees, a ~0.7% exchange rate markup, and 95% of transfers delivered in under 3 minutes across 80+ countries.
Xoom (PayPal) and TapTap Send are both popular choices for international money transfers, but they take different approaches. Xoom (PayPal), founded in 2001 and headquartered in San Francisco, USA, is best known for cash pickup and global coverage. TapTap Send, operating since 2018 from London, UK, focuses on remittances and mobile money. This comparison uses real transfer data collected from both providers across 6 popular corridors to show you exactly which one offers better value for your specific needs. Our data shows the difference can be significant — on a £500 GBP → PKR transfer, TapTap Send delivers ₨5898.36 more to the recipient.
In this comparison
Live comparison: Xoom (PayPal) vs TapTap Send across popular corridors
The table below shows how much the recipient receives when sending through Xoom (PayPal) vs TapTap Send on 6 popular corridors. Data is refreshed every 6 hours from provider APIs and websites.
| Corridor | Xoom (PayPal) | TapTap Send | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹96,083.38 | ₹96,814.05 | TapTap Send (+₹730.67) |
| GBP → EUR(£1,000) | €1,113.34 | €1,151.06 | TapTap Send (+€37.72) |
| USD → PHP($500) | ₱31,483.55 | ₱30,648.88 | Xoom (PayPal) (+₱834.67) |
| USD → MXN($1,000) | MX$17,475.20 | MX$17,150.65 | Xoom (PayPal) (+MX$324.55) |
| GBP → PKR(£500) | ₨182,849.11 | ₨188,747.47 | TapTap Send (+₨5898.36) |
| USD → NGN($200) | ₦268,654.53 | ₦269,998.22 | TapTap Send (+₦1343.69) |
Amounts shown are what the recipient receives. Based on current scraped data, updated every 6 hours.
Key differences between Xoom (PayPal) and TapTap Send
Xoom (PayPal) vs TapTap Send: Feature comparison
| Feature | Xoom (PayPal) | TapTap Send |
|---|---|---|
| Overall rating | 4.7/5 (Excellent) | 4.7/5 (Excellent) |
| Fee structure | From $0 to $4.99 | $0 on most corridors; small fee on select corridors |
| Exchange rate markup | 1% - 3% above mid-market | ~0.7% above mid-market |
| Transfer speed | Minutes to 3 days | Under 3 minutes (95% of transfers) |
| Supported countries | 130+ | 80+ |
| Supported currencies | 50+ | 65+ |
| Max transfer | $50,000 | $10,000 |
| Payment methods | Bank Transfer, Debit Card, Credit Card | Debit Card, Bank Transfer, Google Pay, Apple Pay, UPI |
| Delivery methods | Bank Deposit, Cash Pickup, Mobile Reload | Bank Deposit, Mobile Money |
| Regulators | FinCEN | FCA, FinCEN |
| Founded | 2001 | 2018 |
Pros and cons
Xoom (PayPal)
Pros
- Fast delivery to many countries
- Cash pickup widely available
- Mobile reload option
- Backed by PayPal
- No fees on some corridors
Cons
- Exchange rate includes markup
- Limited to personal transfers
- Not available in all countries for sending
TapTap Send
Pros
- Zero or minimal fees on most corridors
- ~0.7% exchange rate markup — among the lowest available
- 95% of transfers delivered in under 3 minutes
- 80+ countries and 65+ currencies covered
- Highest Trustpilot rating in money transfer (4.7 from 32,000+ reviews)
- Accepts debit card, bank transfer, Google Pay, Apple Pay, UPI
Cons
- No cash pickup option
- Mobile app only — no full web transfer experience
- Multi-currency account limited to UK and EU users
When to choose Xoom (PayPal) vs TapTap Send
Choose Xoom (PayPal) if:
- You want the real mid-market exchange rate with no hidden markup
- You're sending large amounts (Xoom (PayPal) supports up to $50,000)
- Your recipient needs cash pickup instead of bank deposit
- You need wider country coverage (130+ vs 80+ countries)
- You want zero transfer fees (From $0 to $4.99)
Choose TapTap Send if:
- You want the real mid-market exchange rate with no hidden markup
- You want to send to a mobile money wallet (M-Pesa, GCash, etc.)
- You need a multi-currency account to hold and convert balances
- You want zero transfer fees ($0 on most corridors; small fee on select corridors)
Verdict: Xoom (PayPal) or TapTap Send?
Cost winner: TapTap Send
TapTap Send wins on cost in 4 of 6 corridors we tested. For example, on USD → INR ($1,000), the recipient gets ₹730.67 more with TapTap Send. TapTap Send achieves this through transparent pricing with the real mid-market exchange rate.
Speed: Similar delivery times
Both providers offer similar transfer speeds. Xoom (PayPal) typically delivers in Minutes to 3 days, while TapTap Send takes Under 3 minutes (95% of transfers). The actual speed depends on the corridor and delivery method.
Wider coverage: Xoom (PayPal)
Xoom (PayPal) has broader coverage with 130+ countries and 50+ currencies. Xoom (PayPal) also offers Bank Deposit, Cash Pickup, Mobile Reload.
Bottom line
Overall, TapTap Send edges ahead for most users thanks to transparent pricing with the real mid-market exchange rate. That said, Xoom (PayPal) is the better pick if you need cash pickup and global coverage.
Frequently asked questions
Is Xoom (PayPal) or TapTap Send cheaper for international transfers?
Based on our data, TapTap Send is generally cheaper across most corridors. TapTap Send charges $0 on most corridors; small fee on select corridors with a ~0.7% above mid-market exchange rate markup, while Xoom (PayPal) charges From $0 to $4.99 with a 1% - 3% above mid-market markup. For example, on a $1,000 USD → INR transfer, TapTap Send delivers ₹730.67 more. However, costs vary by corridor, so always compare for your specific route.
Which is faster, Xoom (PayPal) or TapTap Send?
Xoom (PayPal) typically completes transfers in Minutes to 3 days, while TapTap Send takes Under 3 minutes (95% of transfers). Actual speed depends on the corridor, payment method, and delivery option you choose. Bank transfers tend to be slower than card-funded transfers, and bank deposits are generally faster than cash pickups.
Are Xoom (PayPal) and TapTap Send safe to use?
Yes, both are regulated money transfer services. Xoom (PayPal) is regulated by FinCEN and has a 4.7/5 Trustpilot rating. TapTap Send is regulated by FCA, FinCEN with a 4.7/5 Trustpilot rating. Both companies are required to safeguard customer funds under their respective regulatory frameworks.
What are the transfer limits for Xoom (PayPal) vs TapTap Send?
Xoom (PayPal) has a maximum transfer of $50,000 (minimum $1), while TapTap Send allows up to $10,000 (minimum $10). Limits may vary by corridor, account verification level, and payment method. New accounts typically start with lower limits that increase over time.
Can I get cash pickup with Xoom (PayPal) or TapTap Send?
Xoom (PayPal) offers Bank Deposit, Cash Pickup, Mobile Reload. TapTap Send offers Bank Deposit, Mobile Money. Xoom (PayPal) supports cash pickup, which is useful when recipients don't have a bank account.
Should I use Xoom (PayPal) or TapTap Send to send money internationally?
For most users, TapTap Send offers better overall value thanks to transparent pricing with the real mid-market exchange rate. However, Xoom (PayPal) is the better choice if you need cash pickup and global coverage. The best provider for you depends on your corridor, transfer size, and whether you need features like Mobile Reload.