PayPal vs Xoom
Choose Xoom for better overall user satisfaction and service reliability.
While both PayPal and Xoom offer free-to-download apps for money transfers, Xoom edges out with a slightly higher lifetime rating and more positive feedback regarding ease of use and service reliability. PayPal users frequently report issues with customer service and app functionality, while Xoom users appreciate its convenience despite some recent complaints about rising costs.
Head to head
you prefer a wider range of features and are comfortable navigating potential issues with customer service.
you want a more reliable and user-friendly experience for international money transfers.
Evidence note: While both apps have their strengths, PayPal's recent negative reviews skew the perception of its reliability and support, while Xoom's complaints are more about rising costs and occasional service issues.
Frequently asked
Which app is better for sending money internationally?
What reviewers actually said
Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.
- [R15] PayPal Lacks full functionality: The app lacks the functionality of the website. I can’t use the app to recover a chat with customer service. Must use the website. I have one huge beef that’s with PayPal rather than the app: For “security” PayPal randomly automatically unlinks bank accounts from a PayPal account without notice if the bank account was initially connected a long time ago. This is done by t
- [R18] PayPal One thing: App is great! Finally got invoice options to send via mobile…. But we’re missing the discount option. I have discounts I apply for services and I would like to apply them. Please include in next update?
- [R66] Xoom Confusing: I went through the process to send money but I don’t know if it went through
- [R78] Xoom Deleting an recipient: You cannot edit a recipient or remove them which I find very frustrating, otherwise it is easy to work with.
- [R6] PayPal Issues since last update: Never had a problem with this app until the latest update. Now I’m rarely able to move money around and it takes forever to get my Cash back points. The app won’t let my husband and I send money to each other and I still have points pending from almost a month ago. I hope this gets fixed soon 😕
- [R12] PayPal app: since last week i loved my pay pal now everytime i go to open my app it will not open i’ve done everything. I close the account like the account of my Facebook off my phone reinstall it shut my phone off to Noeville PayPal. I cannot get into anymore so I don’t like them.
- [R87] Xoom Can’t login: Unable to login on the app on my iPhone or Android…but I can login on my laptop, how convenient, I get to carry my laptop around with me to use the app. Fix it or remove it from the store.
- [R7] PayPal Digital company but no online support: Every time I have some issue I have to call as the chatbot and agents from support don’t solve anything. Only in the USA a digital company for online payments still living in the phone age.
- [R56] PayPal Worst experience: The customer service is so pathetic, they promise something any they don’t keep their promises, it happened with me 3 times. Very disappointed with PayPal customer service.
- [R67] Xoom Worst service ever: I used Xoom for many years it was a good service but now past three transactions they hold and make it delay I called customer care they always lying and rude after one customer support said problem for their partner but I contacted the partner abroad they said we didn't received anything pure lie Xoom is Sucks now
- [R103] Xoom AVOID!!: XOOM’s service is completely unacceptable. They advertise fast transfers and make it sound like your money will arrive in 30 minutes, but in reality, transfers can take days. This has not been a one-time issue either. I have been dealing with delayed transfers for months, and more than 20 of my transfers have arrived late. What makes this even worse is the complete lack of accountability
- [R60] PayPal Hidden currency conversion charges: The app is a scam. It will show your charges in one currency and charge in another using a very terrible conversion rate.
- [R24] PayPal It’s good: PayPal is great but sometimes they put my money on hold which is very annoying. I get it’s for security purposes but at times it’s annoying because they keep my money for weeks. And also, I use euro and my friend uses usd and when I send I get a fee but when see sends she doesn’t. But overall the app is good
- [R63] Xoom Got expensive: Works perfect, but got expensive this year
- [R75] Xoom High remittance fee: It’s getting more expensive to send money through Xoom. I am currently searching for a cheaper and reliable alternative.
- [R76] Xoom Customer Service and the whole company Sucks!: I was able to send money one day and the next my account was closed. Called customer service only for them to tell me that they couldn’t verify my information, there was no way they can help, and I can never use the app again. After telling me that I can try through PayPal only for them to go back and say that wouldn’t work either. Basically I’m never
- [R89] Xoom Slowest customer service in my life: I’ve moved on to a diff app. These guys have the worse customer service emails in my life, its already been 3 weeks and they cant even comprehend basic email messages to help me. And they dont reply to your email reply, they keep telling you to email them again which opens up a new case and then dont even solve your issue and then if you reply to that email cl
- [R65] Xoom Great service: I love it. A great service you can rely on.
- [R68] Xoom El mejor: Tengo años usando Xoom y nunca eh tenido quejas doy fe de un excelente servicio aumento si por lo que está pasando actualmente pero aún así lo necesito muy cómodo muy rápido gracias por hacer la vida más fácil para mí y así seguir ayudando a mi seres queridos allá en mi México gracias son los mejores
- [R100] Xoom Good way to send money: I like Xoom very much because it’s reliable,fast and cheap. Thank you Xoom
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store