Xoom Money Transfer

Name: Xoom Money Transfer
Rating: 4.81165 (1065637 reviews)

Finance

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Xoom Money Transfer

Finance

4.8

1.1M ratings

Age Rating

Seller

Xoom Corporation

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User Reviews for Xoom Money Transfer

This app/company is AWFUL

This company is profoundly dysfunctional. Transactional security is high touch - which can be a positive - but because customer service and verification is totally non responsive, completing transactions is impossible. After attempting to complete a relatively low dollar value transaction, I received an email a few DAYS later that the transaction had been canceled for “security reasons” - nothing more specific. The email instructed me to write to its “appeals” department to dispute the cancellation. I did so. TWO WEEKS later I had still received no response. I called their “customer service” - communication was extremely difficult. I was asked a host of redundant and inane questions. After 20 minutes I was told that everything was verified and that the transaction would go through. To my surprise, I received an email inviting me to attempt another transaction - in other words the company would not complete the original transaction on its original terms, but expected me to “try again.” I had just wasted TWO and a half weeks attempting to verify a transaction this company was not going to honor even after I had “successfully” verified it. This is obviously problematic when you are sending or receiving money internationally and have exposure to changes in exchange rate. My wife ultimately completed the transaction without incident on TransferWise. I hope PayPal can get it’s money back for this lemon.

AA0036374936, Jan 19, 2019

Transaction

I have been using Xoom for few yrs now, never had an issue between sending money, bank to bank transfer, xoom taking the money out of my account right after the transaction has been completed on my end & recipient/s picking the money up at their convenient time until this past couple months. I send money every week, or more depending on my family’s need. Until today when I notice that xoom had just took the money out of my acct today when the transaction had been completed on both mine & my family’s end 3 days ago, so I went back on my bank statements & come to realization that xoom is been taking days now to take money out of my acct, sad to say but yes it somewhat messes up my budget but not too terribly. I just don’t like the fact that I didn’t notice it before! I can’t no longer predict when the money is gonna be deducted in my acct as it varies everytime. I would love that to change back to the way it was but if not I would still love to keep using this app just need to know how many days exactly it’s gonna take before money is gonna be pull out of my acct.

Buang0402, Nov 23, 2020

Scary Business Practice

Used Xoom a couple of times successfully. I Had to reset my password and it warned me that if i forced a reset it would have to delete all my saved bank accounts. Good security practice which I’m fine with so i went ahead with it. Then when i was processing a transfer I entered my bank account and it returned an error stating that this account already existed.. I tried my debit card and received same message. but I thought that it deleted all my previously saved accounts? I didn’t get an option to use a saved account. Called customer service and the person very briefly told me that they could. It delete my accounts in the backend and there was no way for me to try to use them so there is nothing they can do and that the only option was for me to use another account. I explained that those were my only two accounts checking and debit and that I don’t have a different account to use. Normally people just have one checking account. His answer bluntly was “sorry there is nothing we can do”. He pretty much told me that I have to go do business with someone else. Needless to say I created an account with Remitfy and worked perfectly as advertised. cheaper fees also. Now I need to figure out how to get Xoom to delete my accounts from their systems. It’s scary to know that they keep everyone’s accounts in their databases permanently and their systems is so messed up that their customer service is telling people that they can’t erase them!!

Dee9974, Jul 14, 2018

Not easy or quick

The first time I sent money through the app it worked great. Money was available quick and there were no issues. I tried to send more money the next day and I get a phone call telling me that they need to verify some information from me. Okay that’s fine. I give them my email, phone number, full name of the recipient. Then they ask me why I’m sending the money? Why does it matter why I’m sending the money it’s my own money? Then they ask when I’m gonna send money next. I tell them I don’t know, I’m not sending it on a schedule, it’s money to help out a family member. The lady on the phone then tells me that I need to send in a valid ID and my bank statement to make sure I’m not “caught in a scam”. I told her I can’t send those in right now, I’m in Mexico. She tells me that if they don’t receive the documents within 48 hours the transaction will be canceled. I was sending the money because I needed it quick and this is not quick at all. The lady couldn’t help me in this situation in any way. They also cancelled any transaction my boyfriend and his sister (who have sent money through this app many times) tried to send to the same family member. Ridiculous.

Emmmmma98, Dec 23, 2017

Slow and poor service

I used Xoom as what I thought would be an easier solution to an international wire transfer. I didn’t so much mind the inconvenience and extra expense of breaking the amount into separate transactions because of the transaction limits, but the non-sensical way they process transactions is tedious and frustrating. All 4 of my transactions came from the same verified account and went to the same person’s account. I started this process over a week ago. Xoom deducted the amounts for 2 of the transactions immediately and completed one of them within a couple of days. I had to produce a whole bunch of documentation to get my sending limits raised (which I don’t mind the extra security) but now they are delaying 2 transactions while they verify the recipient ( the same one that they have already completed a transaction for) and another one while they verify funds (again, from an account they have already debited several times and completed a transaction). Their so-called status updates give little to no information and no estimate of when the transaction might be completed. Contacting customer service nets you a canned email response after several days. Using Xoom was a mistake.

islandgirl1123, Oct 21, 2021

The service is having processing problems.

I have been using the app to send money to Ecuador and I never had a problem until this year. The money transfer was sent and on the app said available for pick up, but when my sister when to pick up the money the bank said there is a problem with the xoom system. I called customer service and they stated the problem is with the bank’s system. I told this info to my sister and she went to the bank to see if the money is available which was not and the bank told my sister not to use xoom because they’ve been a lot of problems with their system lately. I called back xoom customer service and they advised me xoom has been having this problem since December 2018 in Ecuador for the money transfers then I asked why there is no a note on the app or an email advising they have problems in Ecuador, so the clients can be aware not to use the app for now. Unfortunately, customer service was not able to address this issue saying they don’t know how long it will take to fix the issue in this country. I’m closing my account because there is no answer to my request and I’ll be looking for another option to send money.

israeleonardo, Feb 18, 2019

Horrible, clueless, and waste of time

I’ve used XOOM quite often for business purposes to send payments to a manufacturer overseas. The app would hiccup here and there, but I only used the app to send to one person. Each time I sent a payment, they questioned the purpose. They then blocked my payment without ANY notification. I called customer service only to get a representative not located in the US. They explained that I’ve exceeded my “sending limit” and would need to send them documentation to “increase my sending limit to level 3” they asked for Source of income, a bill with my name and address...I provided both BANK STATEMENT AND UTILITY BILL connected to my business which is registered LEGALLY, provided EIN number, proof of business, and was still told it “wasn’t acceptable” they then asked for my tax documentation from a previous year. I provided that as well and was STILL DECLINED sending money with no explanation. This company is a joke and I hope PayPal cuts ties with them.

Itsmemarioandluigi, Apr 21, 2021

Horrible, clueless, and waste of time

NERDSClothing, Apr 21, 2021

Good to send a few hundreds... not for 1K up..

It’s only worth it if you want or need to send small amount of money overseas. With that I haven’t had any issues sending up to 1K. After that gets trick and a pain .... not worth the hassle. If you need to send 5K or 10K you must submit ID, passport, pay stubs , bank account statement and answer a questionary about why you’re sending, to whom, relationship to person etc.... all that for an approval or denied request with an automated response. It’s very very useless to try to convince their clueless rep. that 5K or 10K you’ll be sending once in a lifetime it’s nowhere close to be considered money laundering. All they will say it’s read their computer screen with the same reply you got ou reply by email the same nonsense that unfortunately they could not approve you and bla, bla, bla. I gave up on them and now I use TransferWise. It’s easier and you can send 1, 5 or 10K at once without the hassle XOOM makes you go through it. XOOM somewhat fools you making you believe you are only paying 4.99 p/transaction when in reality they offer you a much lower currency exchange than TransferWise.

psychson, May 22, 2018

If you need a trustworthy service DONT use Xoom

Their service used to be good. Not anymore. If you need a trustworthy and quick way to send money, don’t use Xoom. I’ve been using for a while and in the couple of months it has been just an frustrating experience with a customer service that’s sounds like they are trained to give you a few words excuses and normally they are: “I’m sorry for the inconvenience but there’s nothing we can do”. They have been delaying the delivery of the money. Not sure why but I sent some money to my sister and nephews last Christmas for food and gifts as they live in another poor country and it took 4 days until she was able to get the money. Needless to say they got after Christmas, but the money was out of my account. It was very stressful and the customer service didn’t gave me an straight answer or why it was taking so long. Now here I am again. Second time, 24 hours later after I sent, waiting for a transfer that is already out of my account but not on the destination on time again. I gave them a second chance. I’m done with Xoom. Unfortunately.

reliable long time client, Dec 31, 2018

Description

Xoom is the fast, safe, and reliable way to send money to friends and family abroad. We have you covered with: 24/7 transaction protection and fraud monitoring. Because we're a PayPal service, your transactions and financial info are secured by PayPal's trusted technology Competitive and transparent rates for you, and no transaction fees for your contacts Easy access to your PayPal wallet, so you can use your PayPal payment methods on Xoom Upfront delivery times and real-time tracking updates, so you know when your money will be delivered Multiple ways to send, including bank deposits, cash pickup, and mobile wallet transfers Quickly reload mobile phones.

Just log in to Xoom, enter your contact’s number, and pay in seconds Send money directly to friends and family – they don’t need a PayPal or Xoom account Mexico Send money to all major banks including BBVA Bancomer, BanCoppel, Banorte, and Banamex. Money is typically available same day*. Your contacts can pick up cash from over 41,000 trusted locations like OXXO and Elektra. Money is typically available in minutes*. Reload minutes to Telcel, ATT&T, and others The Philippines Send money to over 35 banks including Banco de Oro and Bank of the Philippine Islands. Your contacts can pick up cash from over 12,000 reliable locations like Cebuana Lhuillier and M. Lhuillier. Money is typically available in minutes* when you send to banks or for cash pickup India Send money to all banks in India including State Bank of India, ICICI, HDFC Bank, and Axis Bank. Send via UPI ID or with your contact’s bank info. Your contacts can pick up cash from over 100,000 convenient locations like Muthoot Finance and Manappuram Finance. Money is typically ready in minutes* when you send to banks or for cash pickup Dominican Republic Send money to all major banks including BanReservas, Banco BHD, and Banco Popular. Money is typically available next business day*. Your contacts can pick up cash from over 500 trusted locations like Caribe Express and Banco BHD León. Money is typically available in minutes*. You can even send money to someone’s doorstep via Caribe Express or Remesas Dominicanas Colombia Send money to all major banks including Bancolombia and Davivienda. Your contacts can pick up cash from over 2500 locations like SuperGiros and Bancolombia. You can even send money to friends and family who live in the United States! Send money to your contact’s bank account, or their Visa or MasterCard debit card. Your contacts can pick up cash from over 5,000 locations like Ria. Money is typically ready in minutes* when you send to banks or for cash pickup You can also send to: Albania, Algeria, Argentina, Armenia, Australia, Austria, Bahrain, Bangladesh, Belarus, Belgium, Belize, Benin, Bhutan, Bolivia, Botswana, Brazil, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cayman Islands, Chile, China, Comoros, Congo, Costa Rica, Croatia, Cyprus, Czech Republic, DR Congo, Denmark, Djibouti, Ecuador, Egypt, El Salvador, Eritrea, Estonia, Ethiopia, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hong Kong, Hungary, Indonesia, Ireland, Israel, Italy, Ivory Coast, Jamaica, Japan, Jordan, Kenya, Kuwait, Kyrgyzstan, Latvia, Liberia, Lithuania, Luxembourg, Macedonia, Madagascar, Malawi, Malaysia, Mali, Malta, Moldova, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, Norway, Oman, Pakistan, Panama, Paraguay, Peru, Poland, Portugal, Puerto Rico, Qatar, Romania, Russia, Rwanda, Samoa, Saudi Arabia, Senegal, Serbia, Sierra Leone, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sri Lanka, Suriname, Swaziland, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Togo, Tonga, Tunisia, Uganda, Ukraine, UAE, UK, Uruguay, Vietnam, Zambia, Zimbabwe *Transfers subject to review and may be delayed or stopped if an issue is identified