Xoom Fee Calculator
Calculate your Xoom transfer fees instantly. See exact costs for fast international money transfers powered by PayPal with transparent pricing to 160+ countries.
Xoom Fee Calculator
Xoom Fee Structure:
- • Fixed fee: $4.99
- • Percentage fee: 0.5%
- • Minimum fee: $4.99
- • Maximum fee: $40.00
Xoom, a PayPal service since 2015, offers fast and reliable international money transfers to over 160 countries. Known for competitive fees and quick delivery times, Xoom combines PayPal's trusted security infrastructure with specialized remittance services. Whether you're sending money to family abroad, paying international bills, or conducting business transactions, Xoom provides multiple delivery options including bank deposits, cash pickups, and mobile wallet transfers.
What sets Xoom apart is its integration with PayPal, allowing users to fund transfers directly from their PayPal balance, linked bank accounts, or credit/debit cards. The service offers real-time tracking, transparent pricing, and fast delivery times - many transfers arrive within minutes.
Our Xoom fee calculator helps you estimate transfer costs before sending money. Calculate fees for any amount and currency to see exactly what you'll pay and what your recipient will receive.
How Xoom Fees Are Calculated
Xoom uses a transparent fee structure that varies based on the transfer amount, destination country, delivery method (bank deposit, cash pickup, mobile wallet), and payment method. Typical fees range from $4.99 to $40, with most transfers including a small fixed fee plus a percentage (usually 0.5-1%).
Xoom Fee Factors:
- Destination Country: Different countries have different fee structures
- Delivery Method: Bank deposits usually cheaper than cash pickup
- Payment Method: Bank account funding typically has lower fees
- Transfer Speed: Express delivery may cost more than standard
- Transfer Amount: Larger amounts may have better effective rates
Example Calculation:
Sending $1,000 USD to India (bank deposit):
- • Transfer amount: $1,000
- • Fixed fee: $4.99
- • Percentage fee (0.5%): $5.00
- • Total fee: $9.99
- • Amount converted: $990.01
- • Effective rate: 1.0%
Using the Xoom Fee Calculator
Our Xoom transfer calculator simulates the fee structure used by Xoom, providing accurate estimates for your international transfers. The calculator automatically applies appropriate fees based on your selected currency and shows you a complete breakdown of costs.
Calculator Features:
- Instant fee calculations
- Support for 50+ currencies
- Competitive exchange rates
- Clear cost breakdown
What You'll See:
- • Complete transfer cost breakdown
- • Fixed and percentage fee details
- • Current exchange rate applied
- • Final recipient amount
- • Effective transfer cost percentage
PayPal Integration Benefits
Being owned by PayPal gives Xoom unique advantages in the international money transfer market. The integration provides enhanced security, easier funding options, and streamlined user experience for the millions of PayPal users worldwide.
PayPal + Xoom Advantages:
Security & Trust:
- • PayPal's bank-level encryption
- • Advanced fraud protection
- • Purchase protection
- • 24/7 customer support
Convenience:
- • Fund from PayPal balance instantly
- • Use saved payment methods
- • Single login for both services
- • Seamless mobile app experience
Comparing Xoom with Other Options
Xoom occupies a sweet spot in the international transfer market - faster than traditional banks but more accessible than some digital-only services. With PayPal backing and competitive fees, Xoom offers excellent value, especially for transfers to Latin America, Asia, and Europe.
Xoom vs Competitors:
Xoom Strengths:
- • PayPal integration and security
- • Fast transfers (minutes to hours)
- • 160+ countries supported
- • Multiple delivery options
- • Competitive fees and rates
- • Regular promotional offers
Considerations:
- • May not be cheapest for all corridors
- • Exchange rate markups vary
- • Credit card funding has higher fees
- • Better for specific corridors
Tips to Save on Xoom Fees
Smart Payment Choices:
- • Fund from bank account (lowest fees)
- • Use PayPal balance when available
- • Avoid credit cards (highest fees)
- • Choose bank deposit over cash pickup
Maximize Savings:
- • Watch for promotional offers
- • Use referral codes for discounts
- • Send larger amounts less frequently
- • Set rate alerts for favorable rates
Pro Tips:
- New user bonus: Xoom frequently offers fee waivers for first-time users
- Regular sender rewards: Frequent users get special offers
- PayPal integration: Keep funds in PayPal balance to avoid delays
Frequently Asked Questions
How much does Xoom charge for international transfers?
Xoom charges typically range from $4.99 to $40 depending on transfer amount and destination. Most transfers include a small fixed fee plus a percentage (usually 0.5-1%). Bank deposits are often cheaper than cash pickups. First-time users frequently get promotional rates with reduced or waived fees.
Is Xoom owned by PayPal?
Yes, Xoom is owned by PayPal since 2015. This partnership provides enhanced security through PayPal's trusted infrastructure, broader global reach, and seamless integration with PayPal accounts. You can fund Xoom transfers directly from your PayPal balance, linked bank accounts, or debit/credit cards.
How fast are Xoom transfers?
Xoom transfers are typically very fast. Many bank deposits arrive within minutes to a few hours, while cash pickups can be ready in minutes. Mobile wallet transfers are often instant. Some destinations may take 1-3 business days depending on local banking systems.
Is Xoom safe and secure?
Yes, Xoom is very safe as it's backed by PayPal's security infrastructure. Xoom uses bank-level encryption, advanced fraud monitoring, and is regulated by financial authorities including FinCEN in the US. Your money and personal information are protected throughout the transfer process.
What countries does Xoom support?
Xoom supports transfers to over 160 countries worldwide. The service has particularly strong coverage in Latin America (Mexico, Colombia, Brazil), Asia (India, Philippines, China), and Europe (UK, France, Spain). You can check specific country availability on Xoom's website.