Xoom fees and exchange rates
- Fees vary by route, amount, funding method and payout option.
- Xoom's customer exchange rate includes a currency-conversion spread.
- Credit-card funding can trigger an issuer cash-advance fee.
- A zero transfer-fee route can still include a conversion cost.
Compare the fee and recipient amount shown for the exact transaction.
Xoom timing and safety
Xoom says most transfers are available within minutes, while some take several days. Funding, payout method, destination, verification and partner hours affect timing.
Xoom is a PayPal service operating under PayPal's money-transmission licences. Send only to a verified recipient because an authorised scam payment may be difficult to recover.