A Comprehensive Guide to Sending Money with Xoom

Xoom, a PayPal service, is a digital remittance platform that enables users to send money, pay bills, and reload mobile phones internationally. The service is known for its speed, security, and ease of use. In this guide, we’ll walk you through the steps to send money using Xoom.

Creating a Xoom Account:

Before you can send money with Xoom, you need to create an account. Here’s how:

  1. Visit the Xoom website (www.xoom.com) or download the Xoom mobile app (available for iOS and Android).
  2. Click “Sign Up” or “Get Started.”
  3. Enter your email address and create a strong password.
  4. Provide your personal information (name, date of birth, address, and phone number).
  5. Review and accept the terms of service and privacy policy.
  6. Click “Create Account.”

Verifying Your Account:

To protect your account and comply with regulations, Xoom may require you to verify your identity. This process may involve submitting a photo of your government-issued ID, answering security questions, or providing additional documentation.

Setting Up a Recipient:

Before you can send money, you need to add a recipient. Here’s how:

  1.  Log in to your Xoom account.
  2. Go to “My Recipients” or “Recipients.”
  3. Click “Add Recipient” or “New Recipient.”
  4. Enter the recipient’s personal information (name, address, and phone number).
  5. Select the recipient’s bank (if sending to a bank account) or pick-up location (if sending for cash pick-up).
  6. Click “Save” or “Add Recipient.”

Initiating a Money Transfer:

Now that you’ve set up a recipient, you can send money. Follow these steps:

  1. Log in to your Xoom account.
  2. Click “Send Money” or “New Transaction.”
  3. Select the recipient, the country they are in, and the desired currency.
  4. Enter the amount you want to send.
  5. Choose a payment method (bank account, credit card, or debit card).
  6. Review the transfer details, including fees and exchange rate.
  7. Click “Continue” or “Send Money” to confirm the transaction.

Tracking Your Transfer:

To track your money transfer, follow these steps:

  1. Log in to your Xoom account.
  2. Go to “My Transactions” or “Transaction History.”
  3. Locate the transaction you want to track.
  4. View the transaction status (e.g., pending, in progress, completed).

Fees and Exchange Rates:

Xoom charges fees for money transfers, which vary depending on the destination country, amount, and payment method. Additionally, Xoom applies an exchange rate to your transaction. You can view the fees and exchange rate during the transfer process. Always review these details before confirming a transaction.

Troubleshooting and Support (continued):

a. Common Issues:

Here are some common issues users may face when using Xoom:

  1. Transfer delays: Occasionally, transfers may take longer than expected due to bank processing times, security checks, or incorrect recipient information.
  2. Canceled transactions: Xoom may cancel a transaction if it violates their terms of service, involves high-risk countries, or raises security concerns.
  3. Payment method issues: Your bank or card issuer may decline a transaction due to insufficient funds, expired cards, or security restrictions.

b. Resolving Issues:

To resolve issues with your Xoom account or transactions, follow these steps:

  1. Check your email for notifications or updates from Xoom, as they may provide information about the issue and how to resolve it.
  2. Review the “Help” or “Support” section of the Xoom website or app to find troubleshooting guides or answers to frequently asked questions.
  3. Contact Xoom’s customer support via phone, email, or chat for assistance. Provide relevant information, such as your transaction number and a description of the issue.

c. Security Tips:

To protect your account and transactions, follow these security tips:

  1.  Use a strong password, and enable two-factor authentication (2FA) if available.
  2. Never share your login credentials, security questions, or one-time passwords (OTPs) with anyone.
  3. Keep your device and browser up-to-date to ensure optimal security.
  4. Beware of phishing scams, and always verify the authenticity of emails and websites before providing personal information.

d. Refunds and Disputes:

If you need to request a refund or dispute a transaction, contact Xoom’s customer support. Provide the necessary information, such as the transaction number, date, and reason for the dispute. Xoom will investigate the issue and provide a resolution based on their policies and applicable regulations.


Sending money with Xoom is a convenient and secure way to support friends and family abroad. By following the steps outlined in this guide, you can easily create an account, set up recipients, and initiate money transfers. Always stay vigilant about security and reach out to Xoom’s customer support if you need help or encounter any issues.