Remitly vs Xoom: Comparing Speed, Fees & Rates

Compare Remitly and Xoom (by PayPal) for international money transfers. Which offers better rates, lower fees, and faster delivery?

Is Remitly or Xoom better for sending money to India?

Remitly is generally better than Xoom for sending money to India, offering more competitive exchange rates and lower fees for most transfer amounts. Xoom (owned by PayPal) benefits from PayPal integration but typically has higher exchange rate markups than Remitly.

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Pros & Cons

Remitly

Pros

  • Better exchange rates
  • Express delivery in minutes
  • Promotional first-transfer rates
  • Excellent mobile app
  • 24/7 customer support

Cons

  • Promotional rates for new users only
  • Standard rates less competitive
  • 17 destination countries only

Xoom

Pros

  • PayPal integration
  • Cash pickup in 130+ countries
  • Reload prepaid phones
  • Bill payment in some countries
  • Backed by PayPal brand

Cons

  • Higher exchange rate markup
  • Higher fees on small transfers
  • Less competitive rates than dedicated services
  • Customer support can be slow

Our Verdict

Remitly wins on exchange rates and promotional offers for new customers. Xoom is convenient for existing PayPal users and offers good cash pickup options. For most NRI transfers to India, Remitly provides better overall value.

Frequently Asked Questions

Is Xoom owned by PayPal?
Yes, Xoom was acquired by PayPal in 2015 for $890 million. It operates as PayPal's international money transfer service. You can access Xoom through the PayPal app or xoom.com directly.
Which delivers money faster, Remitly or Xoom?
Both offer express delivery options. Remitly Express can deliver to Indian bank accounts within minutes. Xoom also offers same-day delivery for many corridors. For standard transfers, both take 1–3 business days.
Can I use PayPal balance to send money via Xoom?
Yes, you can fund Xoom transfers using your PayPal balance, linked bank account, or debit/credit card. This is one of Xoom's key advantages — seamless PayPal integration for existing users.

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Rates and provider data updated daily. Page last reviewed: March 2026.

Reviewed by Tarika Chandel

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