To take advantage of the Xoom app’s features, you must:
- Download the Xoom app from the App Store or Google Play
- Open the app and log in (or sign up for a new account)
- Select a destination country
- Choose whether you want to send money, pay bills or reload a prepaid mobile phone account
You must be at least 18 years old to use Xoom, and must have a PayPal account or sign up for a PayPal account. The login is a bit confusing, though, as you can sign into Xoom through PayPal or Xoom. However, the passwords for PayPal and Xoom are the same.
You can log into Xoom through PayPal or directly through Xoom.
Through Xoom, you can transfer money to someone’s bank account, debit card or digital wallet. You can also send money for the recipient to pick up at a Xoom-affiliated location, or have it delivered directly to where the recipient is. Xoom charges a fee for this service.
Xoom says a recipient will receive cash anywhere from a few minutes to a few days. How long it takes for money to reach a recipient depends on:
- Which country the money is going to
- Whether you select a bank deposit, cash pickup or home delivery for the recipient to get the money
- Whether you send the money via a bank account, debit card or credit card.
Fees depend on the amount of money being sent and where it’s being sent.
If, for instance, you’re sending $200 to someone in Mexico, the fee for sending pesos through a PayPal account or bank account to another bank account would be $2.99, while it would be $3.99 to send the amount to a debit or credit card. Regardless of the payment method, the fee for a cash pickup would be $3.99.
When you use a credit card to send money, the credit card issuer might charge a separate fee.
A Xoom money transfer can take anywhere from a few minutes to a few days, depending on:
- The country where your money is being sent
- Whether you choose bank deposit, cash pickup or home delivery
- Whether you choose to pay with a bank account, debit card or credit card
This shows the fee schedule for sending $200 to someone in Mexico as of June 14, 2022.
One of the features of Xoom is the ability to pay bills in other countries. Here’s the list of bills that can be paid: water, phone, electricity, internet, cable and bundled plans.
However, bills can be paid in just eight countries: Costa Rica, Dominican Republic, El Salvador, Guatemala, Honduras, Jamaica, Mexico and Nicaragua. Therefore, you can’t pay bills to U.S. companies, for instance.
To pay a bill, you’ll be asked to provide the account number and payment amount.
Bill payment through Xoom does come at a price, as a “low” fee is charged when you pay a bill.
In Mexico, you can pay bills to eight utility companies.
Reloading Mobile Phone Accounts
Xoom lets you reload mobile phone accounts in dozens of countries, including the U.S. This function is designed to let you put money into another person’s mobile phone account through a company called DT One.
To send money for a mobile phone account, you:
- Enter the phone number that’s being reloaded
- Pick an amount to pay
- Pay a fee
When you reload a mobile phone account, you’re asked for the phone number you’d like to reload and the amount of money.
If you repeat transactions on a regular basis, Xoom lets you store contacts to perform the same task again. For example, this might include sending money every month to your grandmother or reloading your prepaid mobile phone account.
Xoom allows you to use regular contacts by:
- Tapping contacts for a list of your recent contacts
- Tapping the kind of transaction you want to send again beneath a contact’s name
- Changing the amount or payment options if necessary
- Sliding to send
The Xoom app automatically sends transaction updates by text if you enable push notifications and tap the “get text updates” button after confirming a transaction. You also can check the status of any transactions any time by tapping “activity” and picking a transaction from the list.