Xoom vs TransferGo Comparison

Xoom, a PayPal service, has established itself as a versatile platform enabling users to send money, pay bills, and reload mobile phones across 160 countries. It’s known for its ease of use, integration with PayPal, and a wide range of delivery options including bank transfers and cash pickup.

On the other hand, TransferGo caters predominantly to the European market, offering rapid, cost-effective bank transfer services across over 60 currencies. With a focus on speed and affordability, TransferGo has garnered a high customer approval rating, emphasizing same-day transfers at competitive rates.

Both companies have carved their niches by prioritizing customer satisfaction, security, and convenience, making them reliable choices for international money transfers.


Company NameXoomTransferGo
transfergo new logo
Xoom ReviewTransferGo Review
Customer Rating4.0/54.8/5
# Rating Customers22,000+ on Trustpilot22,500+ on Trustpilot
Top 3 Pros
  • Fast transfers from the USA
  • Accepts low-value payments and mobile top-ups
  • Easy to navigate UI
  • Fast transfer option (as little as 30 minutes)
  • Sends more money home vs. competition
  • Reliable service
Top 3 Cons
  • High fees for some services
  • Not suitable for high-value transfers
  • Complaints about KYC for smaller transfers
  • Transfers can take longer than promised
  • Debit card fees
  • Personal information requirements


Company NameXoomTransferGo
transfergo new logo
Office LocationsUSAUK, Lithuania, Germany, Poland, Turkey
# Currencies7960+


Company NameXoomTransferGo
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Regulated ByFinCEN, FCA, FINTRACFinancial Conduct Authority (UK), Bank of Lithuania (Europe)
HTTPS SecuredYesYes
Segregated Customer AccountsNoNo

Limits and Fees

Company NameXoomTransferGo
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Min TransferNo minimumNo minimum
Max TransferUp to $100,000 with documentationNo maximum, verification required for large amounts
Fixed FeesVaries by country and methodΒ£0 – Β£2.99 depending on speed
See Rates Before You Log In?YesYes

Customer Support

Company NameXoomTransferGo
transfergo new logo
Dedicated DealerNoNo
Live ChatNoNo

Ways to Transfer

Company NameXoomTransferGo
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Online SystemYesYes
Online AppYesYes
Multi-Currency AccountNoNo
Cash PickupYesNo
Card Top-UpYesNo

Additional Functions

Company NameXoomTransferGo
transfergo new logo
Mass PaymentsNoYes (for business clients)
Cash ChequesNoNo
Multi-Currency Debit CardNoNo


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

  • TransferGo offers faster transfer options, with the possibility of transferring money as quickly as within 30 minutes.
  • It has a higher customer approval rating on Trustpilot, indicating a higher level of satisfaction among its users.
  • TransferGo provides more competitive fees for its services, with options for free next-day delivery and low-cost same-day delivery.

Xoom is better for users who need versatile delivery options, including cash pickup and card top-up services, making it suitable for recipients in countries where banking infrastructure may be limited or for those who prefer cash transactions.

TransferGo is better for users looking for fast, cost-effective bank transfers within Europe, and for those who prioritize speed and cost over delivery methods. Its service is particularly advantageous for European migrants sending money back home, offering a strong combination of speed, low fees, and a high level of customer satisfaction.