Freedom251 › Money Transfer Apps
Xoom
by Xoom
What Xoom is
Xoom is a PayPal service for sending money, paying bills abroad, and reloading prepaid phones for family and friends. It is available on the web, Android, and iOS, and supports senders in the United States, Canada, the United Kingdom, most EEA countries, and Australia. Australian senders cannot use bill pay or mobile reloads. Depending on the destination, recipients can receive funds by bank transfer, debit card, mobile wallet, cash pickup, or home delivery. Xoom says it serves more than 150 countries, with mobile reloads available in more than 90. It can pay electricity, internet, and other home bills abroad. Fees vary by transaction details, and the exchange rate includes a currency conversion spread; funding with PayPal USD (PYUSD) has no Xoom transfer fee. Xoom displays the fee and recipient amount before authorization. It describes transfers as instant, while reload delivery may take minutes depending on carrier and network conditions.
Who it suits
Xoom is intended for people sending money, paying bills, or reloading phones for people they know personally, such as family and friends. Availability and service options depend on sender location and destination.
What it does well
- Available on web, Android, and iOS.
- Multiple recipient payout options, including cash pickup.
- Fee and recipient amount shown before authorization.
- Offers phone and email support every day.
- Says unauthorized account transactions are covered in full.
What to know first
- Australian senders cannot use bill pay or mobile reloads.
- Fees and exchange rates vary by transaction.
- Reloads have daily, weekly, and monthly limits.
- Transfer amounts may be limited.
Limits
Reload payment partners cap reloads to one phone number at 10 in one day, 15 in seven days, and 40 in 30 days. Xoom may limit transfer amounts, and bill pay and mobile reload are unavailable to Australian senders.
Getting started
- Visit xoom.com or download the Android or iOS app.
- Use the service from a supported sender location: the United States, Canada, the United Kingdom, most EEA countries, or Australia.
- Choose a money transfer, international bill payment, or prepaid mobile reload.
- Select an available payment method and delivery option for the transaction.
- Review the displayed fee and recipient amount before authorizing the transfer.
Verdict
Xoom combines international money transfers with bill payment and prepaid mobile reloads. Check availability, fees, exchange rates, and payout options for the specific sender and destination before authorizing a transaction.
Questions
What does Xoom do?
It lets customers send money, pay international bills, and reload prepaid phones for family and friends.
Where can senders use Xoom?
Xoom says senders can use it from the United States, Canada, the United Kingdom, most EEA countries, and Australia. Australian senders cannot use bill pay or mobile reloads.
How can recipients receive money?
Available options include bank transfer, cash pickup, debit card transfer, home delivery, and mobile wallets; availability depends on the destination.
How much does Xoom cost?
Fees vary by transaction type, payment method, currency, amount, destination, and receive currency. Xoom says it charges no transfer fee for transactions funded with PayPal USD (PYUSD), and its exchange rate includes a conversion spread.
Which platforms does Xoom support?
Xoom is available on the web, Android, and iOS.
What protections does Xoom describe?
Xoom says it uses encryption and 24/7 fraud monitoring. It says it covers the full amount of an unauthorized transaction and guarantees delivery or a full refund.
Facts from Xoom's own pages
- Bill payment
- Xoom lets customers pay electricity, internet, and other home bills abroad for family and friends. · xoom.com, 9 Oct 2026
- Coverage
- Xoom says it helps people send money to family and friends in over 150 countries. · xoom.com, 9 Oct 2026
- Exchange-rate model
- markup · xoom.com, 20 Sept 2026
- Fee-free funding
- Xoom says it does not charge transfer fees for transactions funded using PayPal USD (PYUSD). · help.xoom.com, 9 Oct 2026
- Fees and exchange rates
- Fees depend on the transaction type, payment method and currency, amount, destination, and receive currency; Xoom says its exchange rate includes a currency conversion spread. · help.xoom.com, 9 Oct 2026
- Upfront fee display
- Yes · xoom.com, 20 Sept 2026
- Founded
- 2001 · xoom.com, 28 Sept 2026
- Fraud monitoring
- Xoom says its security measures include data encryption and 24/7 fraud monitoring. · xoom.com, 9 Oct 2026
- Intended users
- Xoom recommends using its services to send money, reload phones, or pay bills for people you know personally, such as family and friends. · xoom.com, 9 Oct 2026
- Limits and intended use
- Xoom may limit transfer amounts, and its user agreement says the service is for personal reasons and only natural persons are eligible to send. · xoom.com, 9 Oct 2026
- Mobile apps
- Xoom offers an app for sending money and tracking transactions, with download links for Google Play and the App Store. · xoom.com, 9 Oct 2026
- Mobile platforms
- both · xoom.com, 20 Sept 2026
- Mobile reload
- Xoom supports purchases of prepaid mobile telephone plan credits through third parties. · xoom.com, 9 Oct 2026
- Mobile reload coverage
- Xoom offers mobile reloads to over 90 countries. · xoom.com, 9 Oct 2026
- Mobile reloads
- Xoom says mobile reloads can typically be delivered in minutes, though timing may vary with the mobile carrier and network conditions. · xoom.com, 9 Oct 2026
- Payment methods
- Depending on availability, customers may pay using a credit card, debit card, bank account, or PayPal balance. · xoom.com, 9 Oct 2026
- Payout options
- Available money delivery options include bank transfer, cash pickup, debit card transfer, home delivery, and mobile wallets. · xoom.com, 9 Oct 2026
- Pricing disclosure
- Xoom says it shows the exact fee and recipient amount before a transfer is authorized; fees and limitations apply. · xoom.com, 9 Oct 2026
- Refund guarantee
- Xoom says it guarantees the recipient will receive the money or it will refund the transaction in full. · xoom.com, 9 Oct 2026
- Regulation
- Xoom says it is a PayPal service and that money transmission is provided by PayPal, Inc. under its licenses, with federal and state oversight in the United States. · xoom.com, 9 Oct 2026
- Reload limits
- Xoom’s payment partners limit reloads to a single phone number to 10 in one day, 15 in seven days, and 40 in 30 days. · help.xoom.com, 9 Oct 2026
- Security
- Xoom says its website uses 128-bit encryption and that stored information is protected physically and electronically behind a firewall. · xoom.com, 9 Oct 2026
- Service
- Xoom is a PayPal service for sending money, reloading prepaid mobile plans, and paying bills. · xoom.com, 9 Oct 2026
- Support
- Xoom says customer support is available by phone and email every day. · xoom.com, 9 Oct 2026
Where Xoom stands on Freedom251
- Money Transfer Apps#72 of 81
- Peer-to-Peer Payment Apps#24 of 24