Xoom Fee Calculator
How a Xoom transfer is priced: a fee that depends on the destination, delivery and how you pay, plus the margin in its exchange rate, priced from Xoom's own quotes.
Calculate Transfer Fees
Calculate your Xoom transfer cost from Xoom's own quotes
You Send
Recipient Gets
* Xoom's fee and rate markup from its own quotes at the amounts we collected, on today's mid-market rate; between those amounts a fee is shown only where it is known. Real cost varies by corridor, amount, delivery and payment method, and promotions — check the provider for a live quote.
Also worth checking: WiseWise says it converts at the mid-market rate and shows its whole cost as one fee. Compare what your recipient gets before you send.
See Wise’s rateXoom, a PayPal service since 2015, sends money to over 160 countries with fast delivery - many bank deposits, mobile-wallet transfers and cash pickups arrive within minutes. But the cost of a Xoom transfer is not a single flat fee: it depends on three things - where you're sending, how the money is delivered, and how you pay for it.
You can pay with PayPal USD (PYUSD), a bank account, your PayPal balance, or a debit or credit card, and Xoom sets a separate fee for each, which on some routes is nothing at all. If you pay by credit card, your card issuer may also charge a cash-advance fee.
On top of any fee, Xoom builds a margin into the exchange rate. This markup is not shown as a separate line - it's baked into the rate you're offered - and on a larger transfer it can cost more than the fee itself. That's why the only fair way to compare Xoom with Wise, Remitly or your bank is to look at how much your recipient actually receives in their currency.
The calculator above prices from Xoom's own quotes at the amounts we collected; between those amounts it shows a fee only where it is known. Xoom always shows the final fee and rate before you confirm, so check it before you send.
How Xoom Fees Are Calculated
Xoom's cost has two separate parts. The first is the transfer fee, which varies with the destination country, the delivery method (bank deposit, cash pickup, mobile wallet, UPI), and how you fund the transfer, since each funding method carries its own fee. The second is the margin Xoom builds into the exchange rate, which applies to every transfer regardless of the fee.
Xoom Fee Factors:
- Funding Method: PayPal USD (PYUSD), bank account, PayPal balance, debit card and credit card each carry their own fee
- Destination Country: The fee differs from country to country, and on some routes with the amount you send
- Delivery Method: Bank deposit, UPI, mobile wallet and cash pickup can each be priced differently
- Exchange-Rate Margin: A markup is built into the rate on every transfer
- Card Cash Advance: A credit card may trigger an extra cash-advance fee from your bank
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, Xoom focuses on transfers to Latin America, Asia, and Europe; compare what your recipient receives on your route.
Xoom vs Competitors:
Xoom Strengths:
- • PayPal integration and security
- • Fast transfers (minutes to hours)
- • 160+ countries supported
- • Multiple delivery options
Considerations:
- • Price varies a lot by corridor
- • Exchange rate markups vary
- • Fees vary by funding method
Tips to Save on Xoom Fees
Smart Payment Choices:
- • Compare the fee for each funding method
- • Use PayPal balance when available
- • Watch for card cash-advance fees
- • Compare delivery methods on your route
Maximize Savings:
- • Send larger amounts less frequently
- • Set rate alerts for favorable rates
Pro Tips:
- Compare funding: Each way of paying carries its own fee; pick each one in the calculator to see it on your route
- Compare the total: Check what your recipient receives, since the rate margin is part of the price
- PayPal integration: Keep funds in PayPal balance to avoid delays
Frequently Asked Questions
How much does Xoom charge to send money?
It depends on three things: the destination, how the money is delivered, and how you pay. Each way of paying (PayPal USD (PYUSD), a bank account, your PayPal balance, a debit card or a credit card) carries its own fee, which can be nothing on some routes, and your card issuer may add a cash-advance fee to a credit card payment. Separately, Xoom builds a margin into the exchange rate, which can be the bigger cost. Xoom shows the exact fee and rate before you confirm.
What exchange rate does Xoom use?
Xoom does not use the mid-market rate that you see on Google. It starts from the market rate and adds a margin, which varies by country and is built into the rate you are offered rather than shown as a separate line. On a larger transfer this margin can cost more than the fee, so the right way to compare Xoom with another service is to look at how many pesos, rupees or euros your recipient actually receives, not just the fee.
Is it cheaper to pay Xoom by bank account or by card?
It depends on the route and the amount: Xoom sets a separate fee for each way of paying, and on some routes two methods carry the same fee. Pick each funding method in the calculator above to see its fee on your route before you send. A credit card payment may also be treated by your card company as a cash advance, with its own fee and interest, which is not part of Xoom's price.
Does Xoom offer a better rate on a first transfer?
Xoom may run an introductory offer for a first transfer. We can't verify those offers, and our figures are Xoom's standing price: what every later transfer costs.
What is PayPal USD (PYUSD) and how does it work on Xoom?
PYUSD is PayPal's US dollar stablecoin, and Xoom accepts it as a way to fund a transfer, with its own fee like every other funding method. You still pay the exchange-rate margin when your dollars are converted to the destination currency. It is a convenient option if you already hold PYUSD in your PayPal account; pick it in the calculator above to see its fee on your route.
Is Xoom owned by PayPal?
Yes, Xoom has been a PayPal service since 2015. You can fund transfers from your PayPal balance, PayPal USD (PYUSD), a linked bank account, or a debit or credit card, and the service runs on PayPal's security and fraud-monitoring infrastructure. It is a separate product from sending money on PayPal itself, focused on fast international transfers to over 160 countries.
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 and mobile wallet transfers are often instant. Some destinations may take 1 to 3 business days depending on local banking systems and the delivery method you choose.
Is Xoom safe and secure?
Yes, Xoom is backed by PayPal's security infrastructure. It 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.
Last Updated: Pricing collected October 9, 2026. The calculator prices from Xoom's own quotes. Cost varies by corridor, amount, delivery and payment method, so check Xoom for the live quote before you send.
Related Guides
Complete Fee Comparison Guide
Learn how to compare fees across different money transfer services and find the best deals.
Best Money Transfer Apps of 2026
The best apps for sending money abroad, matched to the job — live costs on major routes, best for cash pickup, best for the real exchange rate, and which to use for your transfer.
ACH vs Wire Transfer
ACH vs wire transfer in 2026 — free and slow vs fast with a bank fee, reversible vs final, US-only vs worldwide. When to use each.
International Money Transfer Guide
Complete guide to sending money abroad safely. Learn about services, safety tips, regulations, and how to avoid scams.