Xoom Money Transfer Reviews

by Dee9974

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!!

by Manujessgia

I’ve used XOOM for years, dozens of transactions without a glitch. Even started using to get money for myself when I travel to Mexico. I LOVED this service until my last trip to Mexico this past December.
I sent some funds to my cousin - a little over $1K. Went with her to the location I selected only to be told it could take at least 4 hours. We could not wait that long. I had just take. For granted that all my previous transactions were ready in minutes. So I cancelled it and went somewhere else. Same thing so i cancelled and gave up.
Then I receive a call from a gentleman in India wanting to verify the transactions I had cancelled. After providing my life history (for my own protection as he put it) he then asked me why I sent the funds. I said for personal reasons. He needed to know the personal reason - I was as appalled and told him it was none of HIS business.
Tried to access XOOM again, went through the usual verification process to determine my identity. After answering about 15 questions the lady- from India again - asked me to send her copies of my bank statement.
That was IT. I’ll never use XOOM again. NEVER.

by Cebucojessajoy

I been sending money using Xoom since 2015 and so far I don’t encounter any problem but today. Yesterday 27th of September 2019 I sent Money for my brother back in the Philippines because my sister in law died the same day but I got an email stating that it is on hold and it can’t process in the same day and it want me to send documents for them to let the transaction go through. I sent 7 documents right after I received the email. So I called the representative and she told me me the reason why they can’t process the transaction due to I exceeded the 500 euro limit in a week and she told me to provide bank statement and I did. Still can’t go through just because they don’t know. I called back today the 28th because I checked my Xoom account it’s still on track and my brother needed it so bad. But the person I talked to today has the same words with the 1st and 2nd representative I talk to yesterday. They can’t be sure if my transaction will go through or not. So frustrating, now that I needed it. They give me this problems. And when I say thank you to the guy I talked to today, I heard him laugh at me like it was a joke to say thank you for the help.

by Honest848

I transferred money to one of my accounts into another one of my accounts using XOOM. However, the transaction was incorrect. Xoom withdrew from the wrong account leaving me overdrawn. It took a very long time to reach them about this. They never answered the phone. However, when I finally did reach them by phone they were rude, they kept speaking over me, and blaming me entirely for this wrong transaction. They did not help me at all. Also, there was a huge language barrier and I feel they used this fact to continuously speak over me and be rude to me. I even tried to reach PayPal about this because but they were apart of the transaction and they said they could not help me at all and to contact xoom. One employee said the funds came from a separate account, then the supervisor I spoke to said it came from the same account which I did not set it up to do, though the supervisor still assumed and insisted that I did and said, "you knew what you were doing. You received your funds, there is nothing more to do." They do not take responsibility for anything and I would like them reprimanded for this.

by AA0036374936

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.

by Shaju S

Switching to Remitly: Couple of weeks back, I had been getting better rates on higher dollar amounts on Xoom ($10, $400, $1000, $2900 had different rates). Since yesterday, the rate is fixed for any dollar amount (where did my better rates go). When I called in customer care, the guy wasted my 40 minutes explaining how global exchange rates work, how rates wont change with dollar amount, etc. I asked him to check my transaction history to see the rate difference I received earlier for a $10 and $1000 transaction. He said he was surprised by this unusual phenomenon (he was not aware of such thing until I told him - you need better training) and said dollar rate is fixed based on locked-in rate (and then he went about explaining locked-in rate). He went back into explaining me how global exchange rates work. For 40 minutes, I did not receive my answer. Annoyed, I hung up saying I am not getting a proper explanation for an issue, I am being lectured on global rates (when that is clearly irrelevant to the current issue), and I am not getting the old incentives I used to get on rates for higher dollar amounts. Why should I stick around with Xoom?

by CBS Viewers

Before heading to my country of birth for the holidays (after living in the States for 30+ years and serving in the US military), I decided to send my family $500 so I could have money there to spend in the country’s currency. So I downloaded and set up the account information and started the transaction. After a few days of waiting, I decided to call Xoom to find out how long the transfer is supposed to take. The initial person I spoke with wouldn’t respond to my question so she forwarded me to another department and the man I then spoke with started asking me a multitude of questions, some of which I thought were outside of the scope of my transaction. I answered them all anyway but he still wouldn’t tell me how long before the transaction would be complete. Instead he said I’d be getting an email asking me some questions (more questions?!) and I would need to submit a picture ID with my responses. So I told him to just cancel the transaction because I had already answered all his questions. As I later said to my husband, “If I can be trusted with a TS security clearance in the military, I think I’m trustworthy enough to send myself $500 to spend in another country.” No thanks Xoom.

by Cacaroto_170481

Let’s start with the obvious, xoom came to offer cheaper cost while transferring money internationally. While is true they cost a bit less, I would say I have wasted way more (through wasting my time) in an attempt to save few bucks by using their service, unfortunately so far unsuccessfully and I will not try anymore - not worth it.

I have tried to use the service 4 times and I always got the transfer cancelled. When I asked for a reason I always got the answer that I should check the beneficiary name, address or bank account number. I called customer service and overall experience was horrible - not a single person who can provide you with a clear reason why the transaction was rejected. Simply answers like: “Our partner has rejected the transaction, please verify the account with your bank and make another transaction”.. Totally useless and they never give you a proper answer from the recipient bank clearly stating whether is them rejecting the money or simply “Xoom partner” - who you can’t know who is because you can’t call them directly - doesn’t know what they are doing.

I wouldn’t recommend this solution to anybody.

by Emmmmma98

The first time I sent money through XoomMoneyTransfer 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 XoomMoneyTransfer many times) tried to send to the same family member. Ridiculous.

by Tin2tan

I tried couple of times to send money through this company and it’s such a hassle. I don’t recommend it. You already provided information of your bank account, you already called them to verify your information, confirm your email. Yet the phone rep asked me where am I when I made the transaction???? Asking me to send an identification??? Like what the heck??? My husband had XoomMoneyTransfer and he didn’t have to go through this. You have been in operation for years as a remittance company. You put me on hold only to ask me questions that is not relevant in using your service. Asking me why I need to send the money??? What is it to you??? Have you heard of privacy??? You have my name, birthday, bank account info, email, phone number??? Like seriously???? I don’t recommend this company at all. I guess I’d rather go back to the old way of remitting money. This is just unbelievable. The amount of inconvenience you’re putting customers through yet you promote what suppose to be a “convenient” experience. Asking me to send your company photo ID and such. I suggest focus on your purpose and not on asking people nonsense questions. I will not ever try to use this company nor recommend this company to anyone ever again. FIX YOUR PROCESS!

by Islandgirl1123

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.

by Israeleonardo

I have been using XoomMoneyTransfer to send money to Ecuador and I never had a problem until this year. The money transfer was sent and on XoomMoneyTransfer 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 XoomMoneyTransfer or an email advising they have problems in Ecuador, so the clients can be aware not to use XoomMoneyTransfer 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.

by Buang0402

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 XoomMoneyTransfer just need to know how many days exactly it’s gonna take before money is gonna be pull out of my acct.

by Kburnssr

I am the Vice President of the Kasimu Education Fund. I regularly send money to Malawi to support Mother Mary’s Children’s Center. Mother Mary’s Children’s Centers support 750 orphans in Malawi as well as high school and college students who are in dire need of assistance.
I have been locked out of MoneyGram without an explanation as to why. WesternUnion will not allow me to transfer money and has declined my request to be reinstated without an explanation. Small World cancelled 2 of transactions without an explanation. I have used my Citibusiness account, but Citibank charges me $15/month for my checking account and $27/international transaction and it takes at least 5 business days for the money to be available.
I like Xoom. It’s easy to set up, I don’t need to go to my credit union to get cash, I don’t need to go to the neatest WesternUnion office, the is available within minutes, I get a notification via text when the money is picked up, and I trust PayPal.
I’m hoping that Xoom will not cut me off for reason.

by Wwhyyyy

I had been in xoom for about 2 yrs when one of my friend recommended this website for easier online transaction however their transaction becomes terrible. It happened multiple times of delaying the transmittal. They took the money out on my bank and my family waited 3 business days to received the money that shows completed status. If i sent Thursday, the money taken at my bank Friday but my family received it next Tuesday. When i sent during business days it still the same 3 days to received the money. When i called customer service it is like a verbatim reasoning, the same excuses. I don’t like moving from another remitter as far as i could but this xoom is frustrating . It gives the customers a very low expectation to trust your money. They are not reliable. So stop your advertisement of fast transmittal transaction because customers been with you proved you lie.

by Itsmemarioandluigi

I’ve used XOOM quite often for business purposes to send payments to a manufacturer overseas. XoomMoneyTransfer would hiccup here and there, but I only used XoomMoneyTransfer 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.

by Psychson

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.

by Not Xoom's Money But Mine

While I like the service , I feel the exchange rate use the by zoom is unfair to its customers. First, Xoom charges a fee which is fine for the service provided. My issue is, the exchange rate use by Xoom is way below the current exchange rate between the US and Jamaica. Example, the exchange at the time of my transfer was $131+JAD to $1 US. Xoom gave me a rate of $122+JAD to $1US. That is a significant difference when you compare the rate western union and MoneyGram gave at the time $129+JAD to $1 US. While I understand Xoom have to make a profit, Xoom must be aware that consumers pay attention to their money. I like the ability to use Xoom deposit services but if I were transferring funds to an individual for pick up, Xoom would not be my first choice. I may in the future send funds to a person for deposit via another service. Xoom don’t have to match the other service providers, but be aware that your customers are paying attention.

by Tejasvs

I have been long term user of Xoom, but recently I made a large transaction to India on 17th Sept. Which was successful within 2 hours of initiating it. After 12 hours I checked with my recipient but the money wasn’t received by them.
I waited for 24 hours and I contacted Xoom customer service. They said they will investigate this case and get back to me, later they said they need bank statement of my recipient account. I provided the bank statement on 19th September.

After that I waited so that they can work on it, I contacted them on 21st to check the progress. They said they have asked for proof of delivery from their partner bank.
From then on have been calling them every day they have only one response “sorry for the inconvenience, but we are waiting for a response from our partner bank” .
I escalated this issue with the supervisor who promised me to personally handle this case and get a response in a day who never contacted me back.

Then on 26th September they started saying
“Their partner bank has not received the statement “ which I had sent on 19th to Xoom. It was their responsibility to communicate with their partner bank.

They have been playing with words and I am frustrated, their customer service is pathetic and extremely irresponsible. My recipient hasn’t received the money and Xoom is not even willing to refund it.

by Yellow-jam:4

The service and app seems pretty straight forward and I had no problems with that. However, for first time clients there maybe be some additional steps you will have to take for your transaction to be completed. Of course this was only known to me after calling customer service, about certain approval for deposit that I must get before a deposit can be made(for direct bank deposits). I completely understand this. Why I am upset and won’t be using this service after being recommended to it is, the customer representative called me after she told what to do to fix the delay I was experiencing and said don’t proceed, wait to be contacted by us and be further advised. That took another 3 days on top of the already 3 day wait. That ruined the Xoom experience. So just try make available the information to future customers that for some countries delays may be experienced if you don’t do this step first.

by Reliable Long Time Client

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.

by Kharve

Have used XoomMoneyTransfer many times during the approx 2 years I had it. Had no issues. However it was too good to be true. I recently transferred some money abroad and XoomMoneyTransfer told me everything is on track. The next day the same message and the 3rd day too. However the transfer had not taken place. Called up customer service and was told that compliance had some issues and she transferred the line to them. I was informed that they had kept the transfer on hold as I need to submit quite a few documents. If that was the case why the status on app mentioned it as on track? And why they did not ask for the documents earlier? The compliance team apparently sent me a email which was buried. On top of it I received another email from them mentioning that there was a technical snag and it has been rectified. Called up customer service and they said no - no they haven’t sent any email!

In nutshell I think they have lost the plot and I suggest using Remitly app which gives better rates and is hassle free.

by Cmercer34

I have been using Xoom to send money to my mother in the UK since 2014. I have always been highly satisfied with the quick hassle free service inexpensive service. Last night I transferred money so my mom could buy groceries for Christmas. I woke up this morning to find the money had been withdrawn from my checking account with no problem BUT was going to be delayed 1-4 business days to get to her bank due to the “normal processing time from the clearing house to Xoom”. When I questioned why this hadn’t taken place in the past and the money was immediately available I was told that Xoom prefunded the amount for me before. Had I known this I could have either sent the money last week OR used western crappy union. When I asked the guy what benefit Xoom was to me he couldn’t tell me. Guess after all this time (2014 to present) I am going to have to look for another secure expedited money service. And I’ll have to figure out a guaranteed way to get money Home so my mom has enough food for everybody on Christmas. Thanks for nothing Xoom. I’m completely frustrated and extraordinarily disappointed.

by Kngcobra406

Xoom has been great so far and I've been using it for the past year since April 2018. Xoom, It’s convenient i don't have to drive anywhere or waste my time in no stores or make a big line. Ive used WesternUnion before and is great for what it is, to send money with cash. As many millennials nowadays love the convenience in any company and I've used WesternUnion app and they charge super high fees when you use a debit card?? When it should be charge like cash. In the contrary Xoom is cheaper in fees when i used a debit card and bank account. I haven't had a single issue with Xoom I recommend to anyone looking for a better way to send money abroad. Ive even used the reload a phone option to loved ones overseas and it works perfectly. I wont be using any other company lets put it that way.

by Naveed74

I send first time money through Xoom first they hold money one week after one week I received email. I have to call them. When I called their was a un professional person on other side when he verified my address may he have problem to heir my house number. I repeat many times my house number but he said first time I gave him wrong house number so he is unavailable to gave me further information than I call again after my verification she said they are unable to complete transactions because receiver have no bank account in particular bank. When I was sending money through their app their was no any option to transfer money or cash received. So I have very bad experience. I think I will not used Xoom and I will tell everyone not to send money through xoom this company is very unprofessional and I have stressed out because this money I send urgent.