Fixed fee
A flat fee of about $4.99 applies per transfer for most funding methods.
Xoom calculator
Xoom fees calculator
Xoom, owned by PayPal, bundles bank deposits, cash pickup and home delivery into one app — but the pricing is on the expensive side.
Send money with Xoom — compare against 14 services
Live mid-market ratesEnter the details below and tick the services you want — the ranking refreshes on its own.
About the figures: exchange rates are mid-market rates pulled from free public APIs and refreshed about every 30 minutes. Fees and margins come from each provider's published pricing and are comparison estimates — always confirm the live price with the provider before you send.
Fee breakdown
How Xoom charges you
Every Xoom transfer has four cost components. Here is exactly what each one means.
Percentage fee
Credit-card funding adds a percentage surcharge of roughly 3.49% on top of the fixed fee.
Exchange rate offered
Xoom sets its own exchange rate at the moment you start the transaction.
Markup vs mid-market
The rate carries a 2.5%–3.5% margin over mid-market, making Xoom one of the pricier options.
Why people choose Xoom
- Tied to PayPal accounts
- Multiple payout options
- Trusted brand
What to watch out for
- High exchange-rate markup
- Card surcharge stacks up
FAQ
Xoom fees — common questions
How much does Xoom charge to send money?
Xoom charges a fixed fee of 4.99 plus 0% of the amount on bank-funded transfers (figures from our editable fee config). Debit and credit-card funding are priced in the calculator above.
Does Xoom add an exchange-rate markup?
Yes. Xoom applies a markup of 2.5% on bank transfers, 3% on debit cards and 3.5% on credit cards over the mid-market rate. The calculator shows both the offered rate and the difference from mid-market in your send currency.
How long do Xoom transfers take?
Minutes to 1–3 business days. Delivery also depends on the destination country, the payout method and when you start the transfer.
What payment methods can I use with Xoom?
The calculator compares bank transfer, debit card and credit card funding. Card payments almost always cost more, which is why the ranking can change when you switch methods.
How is the total cost of a transfer calculated?
Total cost combines two things: the fees charged by the provider (fixed fee + percentage fee) and the exchange-rate markup over the mid-market rate. The calculator adds both and expresses the result in the send currency, then shows exactly how much the recipient receives.
What is the mid-market rate?
The mid-market rate (also called the interbank rate) is the midpoint between the buy and sell prices of two currencies on the global market. It is the rate you see on Google or Reuters before any bank or provider adds a margin.
Compare Xoom with other providers
See how Xoom stacks up against Wise, Revolut, Western Union and the rest — or open another calculator below.
Wise fees calculator
True mid-market rate with one transparent, upfront fee.
Open calculator →Remitly fees calculator
Fixed transfer fees with express delivery in minutes.
Open calculator →Western Union fees calculator
Huge global agent network for cash pickup and delivery.
Open calculator →MoneyGram fees calculator
Competitive cash pickup with frequent online fee discounts.
Open calculator →OFX fees calculator
No transfer fees — costs are baked into a tight exchange margin.
Open calculator →Revolut fees calculator
App-based transfers at interbank rates on weekdays.
Open calculator →