Xoom review

Xoom is PayPal's international transfer service, and its main advantage is that you can pay with PayPal, a bank account or a card without setting up a new account somewhere else. The Mexico page lists $0 Xoom transfer fees on eligible transactions, and the service delivers to bank accounts and debit cards, mobile wallets, India's UPI and Brazil's PIX, cash pickup and home delivery, and phone reloads. Xoom says its transfers are not subject to the 1% US remittance tax introduced by the One Big Beautiful Bill Act. The fee is only part of the cost: Xoom states plainly that in addition to transaction fees it makes money when it changes your send currency, so a $0 fee does not mean a free transfer. Check the recipient amount against Wise or Remitly for the same corridor. For PayPal users who value one login and many payout types, it is a convenient choice.

Who it is for

PayPal users sending to Mexico and other wallet-heavy corridors

Price

$0 Xoom transfer fees on eligible transactions to Mexico; Xoom also earns on currency conversion, as listed in November 2026.

$0 Xoom transfer fees on eligible transactions
Quoted from the vendor pricing page on November 12, 2026.

Key features

• $0 Xoom transfer fees on eligible transactions to Mexico
• Pay with PayPal, a bank account, or a credit or debit card
• Delivery to bank accounts, debit cards, mobile wallets, UPI and PIX
• Cash pickup and delivery, plus mobile phone reloads and bill pay
• Xoom says its transfers are not subject to the new 1% US remittance tax

Strengths and weaknesses

• Strength: Funding straight from a PayPal balance or linked account
• Strength: Exact fee and recipient amount shown before you send
• Strength: Xoom has operated since 2001 as part of PayPal
• Weakness: Xoom states that it makes money when it converts your currency, so the rate carries a margin
• Weakness: The $0 fee applies only to eligible transactions
• Weakness: Credit card funding can add card issuer cash advance costs

Key facts

• Mexico fee: $0 on eligible transactions
• Payment methods: PayPal, bank account, credit or debit card
• Payouts: Bank, debit card, wallets, UPI, PIX, cash
• Owner: PayPal

Where it ranks

Xoom is No. 7 in our Best Money Transfer Services verdict.