Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

PayPal vs Xoom

PayPal 4.8★ · Free to download 60
Winner Xoom
Xoom 4.8★ · Free to download 75

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

features edge: PayPalR15R18R66R78
PayPal PayPal offers a wide range of features like cash back offers and invoice options, but users note limitations compared to the website R15R18.
Xoom Xoom is praised for its ease of sending money internationally, though some users mention confusion with the app interface R66R78.
ease of use edge: XoomR6R12R66R87
PayPal PayPal users report frequent login issues and app navigation challenges R6R12.
Xoom Xoom users generally find the app easy to use, but some have experienced login problems and confusion during transactions R66R87.
reliability edge: XoomR7R56R67R103
PayPal Many PayPal users express frustration with customer service and transaction holds R7R56.
Xoom Xoom has received complaints about transaction delays and customer service, but many users still report reliability in sending money R67R103.
price/value tieR60R24R63R75
PayPal PayPal is often seen as having hidden fees and poor currency conversion rates R60R24.
Xoom Xoom users note that the service has become more expensive, but many still find it valuable for international transfers R63R75.
support tieR7R56R76R89
PayPal PayPal users frequently report inadequate support and long waiting times R7R56.
Xoom Xoom users have had mixed experiences with customer support, often citing long response times and unresolved issues R76R89.
Pick PayPal if

you prefer a wider range of features and are comfortable navigating potential issues with customer service.

Pick Xoom if

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?
Xoom is generally preferred for international transfers due to its focus on this service and positive user feedback about convenience, despite some recent complaints about delays and rising costs.

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.

  1. [R15] PayPal 3/5 · US 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
  2. [R18] PayPal 3/5 · US 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?
  3. [R66] Xoom 3/5 · US Confusing: I went through the process to send money but I don’t know if it went through
  4. [R78] Xoom 3/5 · GB Deleting an recipient: You cannot edit a recipient or remove them which I find very frustrating, otherwise it is easy to work with.
  5. [R6] PayPal 3/5 · US 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 😕
  6. [R12] PayPal 3/5 · US 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.
  7. [R87] Xoom 1/5 · US 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.
  8. [R7] PayPal 1/5 · US 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.
  9. [R56] PayPal 1/5 · US 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.
  10. [R67] Xoom 1/5 · US 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
  11. [R103] Xoom 1/5 · US 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
  12. [R60] PayPal 1/5 · US 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.
  13. [R24] PayPal 3/5 · US 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
  14. [R63] Xoom 3/5 · US Got expensive: Works perfect, but got expensive this year
  15. [R75] Xoom 3/5 · US High remittance fee: It’s getting more expensive to send money through Xoom. I am currently searching for a cheaper and reliable alternative.
  16. [R76] Xoom 1/5 · US 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
  17. [R89] Xoom 1/5 · US 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
  18. [R65] Xoom 5/5 · US Great service: I love it. A great service you can rely on.
  19. [R68] Xoom 5/5 · US 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
  20. [R100] Xoom 5/5 · US 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