Xoom by PayPal is one of the most popular money transfer apps, with thousands of money pickup locations and bank partners worldwide. This quick guide will help you navigate through the app in case you are not familiar with its mechanics.

What is Xoom PayPal?

Xoom is a cross-border money transfer system acquired by PayPal in November 2015. Since the acquisition, the service has expanded both the list of remittance destinations and the payment methods accepted. Besides, in January 2023, Xoom launched a new cross-border money transfer product, Debit Card Deposit, enabling its customers in the U.S. to send money directly to their friends and family’s eligible Visa debit cards in dozens of countries.

Xoom PayPal benefits

The money transfer app has a lot of handy features. It is not simply a P2P payment service enabling deposits to a bank account, credit/debit card deposits, pickup at partner locations, and cash delivery to your recipient’s home. Xoom also offers bill payment and mobile airtime top-ups. This may facilitate the lives of many families depending on remittances as they can spare time and money needed to receive the transfer and use it to pay bills.

Besides, this service has a wide reach being owned by PayPal. Namely, over 160 countries are now available as a destination for remittances.

The transactions are fast too. Most transfers take place within minutes.

Is Xoom PayPal safe?

Sending money requires a trusted institution to handle it. While the Xoom logo may seem unfamiliar to many people, when customers read the smaller inscription “a PayPal service,” they immediately know they’re dealing with the global fintech brand with an established reputation in the sector.

As a member of the PayPal family, the app uses the same strong authentication and verification methods as its parent company. Besides, Xoom has a proprietary anti-fraud verification system. Its anti-fraud policies and procedures comply with the Bank Secrecy Act, the USA Patriot Act, and other applicable U.S. laws and regulations.

If your Xoom password might have been compromised and you suspect that your account was accessed without your knowledge or consent, you can report it to the firm’s dedicated e-mail: [email protected].

How to transfer money with Xoom

To send a money transfer, you can use both the Xoom app or the dedicated website.

To send money via the Xoom app:

1. Log in to your account and tap ‘Send money’;
2. Select the destination country;
3. Choose the delivery option (cash pick-up, transfer to a debit card, etc). The list will differ depending on the destination;
4. Enter the recipient’s bank account or mobile wallet information if applicable, or else choose a pickup location;
5. Fill in your contact’s personal information required for receiving money;
6. Complete your profile, in case it’s your first Xoom transaction ever, to automate money transfers in the future;
7. Choose your preferred payment method;
8. Review your information to make sure money is going to the right destination;
9. Slide to ‘Send’.

Sending money on a web browser is similar. To initiate the process, go to the ‘My Account’ section and click ‘Send money’. Then, you’ll be guided through the very same procedure as described above.

How can I fund money transfers with my PayPal account?

The variants of payment methods you can use for your money transfer differ from location to location. Since Xoom is a PayPal service, one of the most popular payment means is actually using a PayPal account. Here’s how to use this method.

1. Log in to your PayPal account:
   1. Go to the Log in page.
   2. Click on ‘Use PayPal to Log In’.
   3. Enter your PayPal credentials.
2. Eligible bank accounts, credit cards, or debit cards stored in your PayPal account will appear as payment options on Xoom. If you wish to use them, select the required option from the list of payment methods. Please mind that Xoom will process those payments within your Xoom account and not your PayPal account.
3. If you don’t see a bank account or card stored in your PayPal account, go to your ‘PayPal Wallet’ tab to manage your payment methods.
4. PayPal may restrict access to a payment method due to the amount you try to pay. For example, your PayPal balance will appear as a payment option only if you have enough money there to pay for your Xoom transaction in full, including fees. Besides, the available balance must be in the same currency you’re sending. If not, the option may not appear on a payment method list.
5. Furthermore, payment methods stored in your PayPal account may not appear if your PayPal account and your Xoom account were created in different countries.