Xoom vs Ria Comparison

Xoom, acquired by PayPal in 2015, offers a digital platform for users to send money, reload mobile phones, and pay bills across 160 countries. It prides itself on convenience, speed, and its integration with PayPal.

Ria Money Transfer, established in 1987 and now a subsidiary of Euronet Worldwide, operates one of the largest money transfer networks globally, with services available in over 190 countries. Ria facilitates online transfers, mobile money transfers, and cash pickups, focusing on accessibility and competitive rates.

Both companies aim to simplify the process of sending money abroad, catering to a wide range of needs with their distinct features and extensive global reach.

Customers

Company NameXoom Money TransferRia Money Transfer
Logo
ria new logo
Xoom ReviewRia Review
Customer Rating4.0/54.2/5
# Rating Customers22,000+ on Trustpilot5,800+ on Trustpilot
Top 3 Pros
  • Fast transfers
  • Accepts low-value payments
  • Easy to navigate UI
  • Good prices
  • Worldwide reach
  • Good platform
Top 3 Cons
  • High fees for some services
  • Not suitable for high-value transfers
  • Complaints about KYC for smaller transfers
  • Slow arrival of funds
  • Unhelpful customer service
  • Verification issues

Availability

Company NameXoom Money TransferRia Money Transfer
Logo
ria new logo
Office LocationsUSAUSA, 447,000+ agents worldwide
# Currencies79100+

Security

Company NameXoom Money TransferRia Money Transfer
Logo
ria new logo
Regulated ByFinCEN, FCA, FINTRACFinCEN, FCA, FINTRAC, ASIC
HTTPS SecuredYesYes
Segregated Customer AccountsNoNo
2FAYesNo

Limits and Fees

Company NameXoom Money TransferRia Money Transfer
Logo
ria new logo
Min TransferNo minimumNo minimum
Max Transfer$10,000 daily$2,999 per day in US and Canada
Fixed FeesVaries by country and method$3 for transfers below $100, $5 above in the US
See Rates Before You Log In?YesYes

Customer Support

Company NameXoom Money TransferRia Money Transfer
Logo
ria new logo
Dedicated DealerNoNo
EmailYesYes
PhoneYesYes
Live ChatNoNo
24/7YesNo

Ways to Transfer

Company NameXoom Money TransferRia Money Transfer
Logo
ria new logo
Online SystemYesYes
Online AppYesYes
Multi-Currency AccountNoNo
Cash PickupYesYes
Card Top-UpYesNo

Additional Functions

Company NameXoom Money TransferRia Money Transfer
Logo
ria new logo
HedgingNoNo
Mass PaymentsNoNo
Cash ChequesNoNo
Multi-Currency Debit CardNoNo

Conclusion

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

  • A more user-friendly interface.
  • The ability to see rates before logging in.
  • A broader array of services like card top-ups and mobile reloads.

Xoom is better for users who value convenience in mobile app usage and those looking for a seamless integration with PayPal for easy login and payment options. It’s also suitable for smaller, frequent transfers given its user-friendly platform and quick transfer capabilities.

Ria is better for users who need a wide global reach with cash pickup options and those looking for competitive rates for remittances to developing countries. Its extensive network of agents and locations makes it a strong candidate for users needing to send money to places where banking infrastructure is limited or for recipients who prefer cash pickups.