Remitly vs Xoom Comparison

Remitly, established in 2011, has carved a niche for itself as a reliable remittance service, focusing on providing immigrants with an affordable and convenient way to send money back home. With its user-friendly platform, Remitly facilitates transfers to over 65 countries, emphasizing speed and security.

On the other hand, Xoom, a PayPal service since 2015, broadens the horizon with its extensive reach of 79 currencies across numerous countries. Xoom distinguishes itself by integrating seamlessly with PayPal, offering users a versatile platform for not only money transfers but also bill payments and mobile phone top-ups.

Both companies have garnered acclaim for their services, but they cater to slightly different user needs and preferences.


Company NameRemitlyXoom
Remitly ReviewXoom Review
Customer rating4.1/54.0/5
# Rating Customers34,68120,107
Top 3 Pros
  • Fast transfers
  • Wide network for cash pickup
  • Transparent fees
  • PayPal integration
  • Fast transfers
  • Wide reach
Top 3 Cons
  • Limited to smaller transfers
  • KYC can delay transfers
  • No dedicated dealer
  • Higher fees on some routes
  • Exchange rate markup
  • Limited sending options from certain countries


Company NameRemitlyXoom
Office locationsUSA, Nicaragua, PhilippinesUSA
# Currencies6579


Company NameRemitlyXoom
HTTPS SecuredYesYes
Segregated Customer AccountsYesYes

Limits and Fees

Company NameRemitlyXoom
Min transfer$1$10
Max transfer$30,000Varies by country
Fixed feesVaries by routeVaries by route
See rates before you log in?YesYes

Customer Support

Company NameRemitlyXoom
Dedicated DealerNoNo
Live ChatYesNo

Ways to Transfer

Company NameRemitlyXoom
Online SystemYesYes
Online AppYesYes
Multi-Currency AccountNoNo
Cash PickupYesYes
Card Top-UpNoYes

Additional Functions

Company NameRemitlyXoom
Mass paymentsNoNo
Cash chequesNoNo
Multi-Currency Debit CardNoNo


On MoneyTransferComparison, Remitly has received a higher editorial score. The advantages of Remitly over Xoom are these:

  • Remitly offers more competitive fees and exchange rates, making it generally cheaper for the same transfer amounts.
  • Remitly provides a wider variety of delivery options, including cash pickup and mobile money, catering to a broader range of needs.
  • Remitly has a higher customer satisfaction rate, indicating a better overall user experience.

Remitly is better for individuals looking for cost-effective transfers, especially for remittances to countries like India, Mexico, and the Philippines, where it often offers the best rates and fastest delivery options for cash pickups.

Xoom, on the other hand, is better for users who prioritize convenience and are already integrated into the PayPal ecosystem. It’s particularly useful for those who wish to send money using their PayPal balance or need to make transfers to countries where PayPal is a dominant payment method. Additionally, Xoom’s ability to top up mobile phones directly can be a unique advantage for certain users.