Xoom

Paid#10 of 81 in Money Transfer AppsPeer-to-Peer Payment AppsMobile Payment Apps

Xoom: A broad personal transfer service with bills, reloads, tracking and upfront pricing. Ranked #10 of 81 in Money Transfer Apps by our editors (8.3/10); pricing: Paid; best for transfers plus bills and mobile reloads.

8.3/10★★★★☆Editor score

Visit Xoom

Xoom8.3 Visit Xoom

At a glance

• Editor score
  8.3 / 10
• Pricing
  Paid
• Best for
  Transfers plus bills and mobile reloads
• Transfer speed
  Instant
• Founded
  2001
• Facts checked
  20 Sep 2026

• Where it wins

  • Supports bank, debit-card, wallet, cash pickup and home delivery
  • Adds international bill payments and prepaid mobile reloads
  • Shows fees, exchange rates and transfer status upfront

• Where it doesn't

  • Uses a markup exchange rate
  • No free plan
  • Fees and delivery options vary by destination and transaction details

Our verdict on Xoom

Xoom is a PayPal service for sending money internationally to friends and family. It is designed for personal transfers rather than business payments, with delivery to bank accounts, debit cards and mobile wallets, plus cash pickup and home delivery in supported destinations. The service is available on the web, iOS and Android, and also supports international bill payments and prepaid mobile-phone reloads. Its recipient options make it suitable for senders whose recipients use different ways to receive money.

Xoom’s breadth is its main strength. A single service covers bank, card, wallet and cash delivery, while bill payments and mobile reloads extend it beyond a basic transfer app. Transfer status tracking helps senders follow a transaction, and the service provides upfront fee and exchange-rate disclosure. PayPal integration also gives Xoom a clear connection to the PayPal ecosystem. Delivery speed is listed as instant, although the available method and timing depend on the destination, payment method and transaction details.

Pricing requires attention before each transfer. According to the published pricing information, fees vary by destination, payment method, amount, payout currency and delivery method rather than following one universal rate. Xoom also uses a markup exchange rate, and its paid model does not include a free plan. Choose Xoom if you need several recipient methods together with bill payments, mobile reloads and tracking. Consider an alternative if avoiding exchange-rate markups or finding a free-plan option matters more than having a wide range of delivery choices.

Your product? Our editors can test Xoom in depth and publish a review, labelled as paid · from $149/mo →

Xoom pricing

Xoom fact sheet

Xoom integrations

Xoom lists 1 integrations on its own site.

• PayPal

Alternatives to Xoom

• WiseA transparent option for international transfers across web and mobile.9.4
• TransferGoA flexible transfer service with a free multicurrency wallet and upfront pricing.9.2
• Xe Money TransferA broad international transfer service with transparent quotes, tracking, and multiple delivery methods.9.0

See all Xoom alternatives →

Featured on iTechGuides

Xoom is listed in our Money Transfer Apps directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Last updated 7 Oct 2026 · How we research and update