Xoom

Spec sheet

What it does

Xoom lets customers send money, pay international bills, and reload prepaid phones for family and friends.Read 9 Oct 2026 · xoom.com

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.Read 9 Oct 2026 · xoom.com

Mobile apps

Xoom offers an app for sending money and tracking transactions, with download links for Google Play and the App Store.Read 9 Oct 2026 · xoom.com

Security

Xoom says its website uses 128-bit encryption and that stored information is protected physically and electronically behind a firewall.Read 9 Oct 2026 · xoom.com

Support

Xoom says customer support is available by phone and email every day.Read 9 Oct 2026 · xoom.com

Founded

2001Read 28 Sep 2026 · xoom.com

Bill payment

Xoom lets customers pay electricity, internet, and other home bills abroad for family and friends.Read 9 Oct 2026 · xoom.com

Coverage

Xoom says it helps people send money to family and friends in over 150 countries.Read 9 Oct 2026 · xoom.com

Exchange-rate model

markupRead 20 Sep 2026 · xoom.com

Fee-free funding

Xoom says it does not charge transfer fees for transactions funded using PayPal USD (PYUSD).Read 9 Oct 2026 · help.xoom.com

Fees and exchange rates

Transaction fees vary by transaction type, destination, payment method, transaction amount, payout currency, and reload carrier, and an applicable exchange rate is disclosed before authorization.Read 9 Oct 2026 · xoom.com

Fraud monitoring

Xoom says its security measures include data encryption and 24/7 fraud monitoring.Read 9 Oct 2026 · xoom.com

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.Read 9 Oct 2026 · xoom.com

Mobile platforms

bothRead 20 Sep 2026 · xoom.com

Mobile reload

Xoom supports purchases of prepaid mobile telephone plan credits through third parties.Read 9 Oct 2026 · xoom.com

Mobile reload coverage

Xoom offers mobile reloads to over 90 countries.Read 9 Oct 2026 · xoom.com

Mobile reloads

Xoom says mobile reloads can typically be delivered in minutes, though timing may vary with the mobile carrier and network conditions.Read 9 Oct 2026 · xoom.com

Payment methods

Depending on availability, customers may pay using a credit card, debit card, bank account, or PayPal balance.Read 9 Oct 2026 · xoom.com

Payout options

Available money delivery options include bank transfer, cash pickup, debit card transfer, home delivery, and mobile wallets.Read 9 Oct 2026 · xoom.com

Pricing disclosure

Xoom says it shows the exact fee and recipient amount before a transfer is authorized; fees and limitations apply.Read 9 Oct 2026 · xoom.com

Refund guarantee

Xoom says it guarantees the recipient will receive the money or it will refund the transaction in full.Read 9 Oct 2026 · xoom.com

Regulation

Xoom states that it is a PayPal service and that PayPal, Inc. is a licensed money transfer provider regulated by federal and various U.S. state governments and agencies.Read 9 Oct 2026 · xoom.com

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.Read 9 Oct 2026 · help.xoom.com

Service

Xoom is a PayPal service for sending money, reloading prepaid mobile plans, and paying bills.Read 9 Oct 2026 · xoom.com

Supported sender locations

Xoom says senders can use the service from the United States, Canada, the United Kingdom, most EEA countries, and Australia; reload and bill pay are unavailable to Australian senders.Read 9 Oct 2026 · help.xoom.com

Transfer options

Xoom supports transfers to bank accounts, debit cards, mobile wallets, and cash pickup, with home delivery listed among its delivery options.Read 9 Oct 2026 · xoom.com

Transfer speed

instantRead 20 Sep 2026 · xoom.com

Transfer tracking

YesRead 20 Sep 2026 · xoom.com

Unauthorized transactions

Xoom says it will cover the full amount of an unauthorized transaction if someone uses a Xoom account without permission.Read 9 Oct 2026 · xoom.com

Upfront fee display

YesRead 20 Sep 2026 · xoom.com

Where Specifiction places it

• Money Transfer Apps#52 of 817.8
• Peer-to-Peer Payment Apps#24 of 247.1