Xoom review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
Xoom focuses on international money transfers to bank accounts, debit cards, mobile wallets and cash pickup points. It suits people who support friends and family abroad and value flexible payout routes with clear transfer details and app based tracking.
Key facts
Money transfer
- Transfer fee
- 0.23% average for Send Money to India (bank deposit, paid from bank account); range from no fee to $8.89; fees vary by destination, payout method and payment method↗
- Payout methods
- Bank, Cash-pickup, Wallet, Card↗
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Sends money to bank accounts and debit cards for direct transfers.
- Supports mobile wallets and instant payment routes for wider payout choice.
- Offers cash pickup and delivery for recipients without bank access.
- Provides an app that lets you send money and follow transactions.
Cons
- Centres transfers on friends and family sends rather than wider account services.
- Requires use of online or app channels to arrange every transfer.
Ready to try Xoom?
Who it suits
- People sending money to family abroad
- Senders who want bank, wallet and cash payout choice
Who should look elsewhere
- People seeking domestic savings or current accounts
How Xoom compares
Where Xoom is available
- Available
- Australia, Canada, United Kingdom, United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Xoom do?+
Xoom provides international money transfers through online channels and a mobile app. Customers can send funds to bank accounts, debit cards, mobile wallets and cash points. The app also lets senders follow each transaction from a phone.
How do recipients receive money through Xoom?+
Recipients can receive money into bank accounts and debit cards or into mobile wallets and instant payment routes. Xoom also provides cash for pickup and delivery through thousands of locations. The choice helps when recipients prefer different ways to collect funds.
Who is Xoom for?+
Xoom suits people who support friends and family living in another country. Its mix of bank, card, wallet and cash routes helps when recipients use different ways to receive funds. App based sending and tracking also suits people who manage transfers by phone.
How long has Xoom been operating?+
Xoom has operated as an international transfer service since 2001. Millions of customers have relied on it to send money around the world. Its service focuses on personal transfers that help people stay connected across borders.
Where is Xoom based?+
Xoom is based in United States. (Source, checked September 26, 2026)
When was Xoom founded?+
Xoom was founded in 2001. (Source, checked September 26, 2026)
How can I contact Xoom support?+
Xoom offers support through Help-centre. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Xoom_(money_transfer_service) checked September 26, 2026
Backs: Headquarters, Legal entity
“Headquarters San Francisco, California, U.S.”
- xoom.com checked September 26, 2026
Backs: Founded, Payout methods, Support channels
“Since 2001, millions of customers have trusted Xoom to send money around the world”
- xoom.com/legal/past-policy-updates checked September 26, 2026
Backs: Transfer fee
“Transaction Fees to India when sending in USD ... INR Bank Account Bank Account ... Avg. Updated Fee (as of 4/20/2026) 0.23% ... Range of Updated Fees No Fee - $8.89”
Compiled from 3 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit, Deposit protection.
Related by the facts
Xoom
Sending money abroad with flexible payout options