Xoom review

Xoom is the natural choice if you already use PayPal, because it is a PayPal service and you can sign in with your PayPal account. It covers bank deposits and debit cards, mobile wallets including UPI and PIX, cash pickup and cash delivery, and it can also reload phones and pay bills in other countries. Before you hit send, Xoom shows the exact fee and the amount your recipient will get, and it says funds arrive by the date on your receipt and frequently within minutes. On the Mexico page it advertises $0 Xoom transfer fees on eligible transactions. Read the small print, though: Xoom states that in addition to transaction fees it makes money when it changes your dollars into another currency, so a zero fee does not mean zero cost. Compare the amount received against Wise or Remitly on your route. Fees, service availability and limits vary by country and payment method.

Who it is for

PayPal users who want to send from a familiar account to banks, wallets or cash pickup abroad.

Price

$0 Xoom transfer fee on eligible transactions to Mexico; Xoom also earns on currency exchange.

$0 Xoom transfer fees on eligible transactions
Quoted from the vendor pricing page on November 10, 2026.

Key features

• Send to bank accounts, debit cards, mobile wallets, UPI and PIX
• Cash pickup and cash delivery
• Reload mobile phones and pay bills abroad
• Shows the exact fee and amount received before you send
• Log in with an existing PayPal account

Strengths and weaknesses

• Strength: Part of PayPal, so existing PayPal customers can start quickly
• Strength: Funds are frequently delivered within minutes, by the date on your receipt
• Strength: Data encryption and 24/7 fraud monitoring
• Weakness: Xoom makes money on the currency exchange as well as fees
• Weakness: Fees and availability vary by country and features selected
• Weakness: Individual and aggregate transaction limits apply

Key facts

• Owner: PayPal
• Operating since: 2001
• Delivery: By the receipt date, frequently within minutes
• Receive options: Bank, debit card, mobile wallet, UPI, PIX, cash
• Extras: Phone reloads and bill pay

Where it ranks

Xoom is No. 4 in our Best Money Transfer Services verdict.