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

Xoom vs PayPal

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

Xoom is generally preferred for international money transfers due to its speed and reliability, while PayPal is a more versatile platform for general online payments, though it faces more criticism for customer service and account issues.

Full reviews: Xoom · PayPal

Xoom excels in fast and reliable international money transfers, despite recent complaints about rising fees and customer service. PayPal, while widely used for online payments, struggles with customer support, account holds, and app functionality, making Xoom the better choice for its primary purpose.

Head to head

Features and Purpose tieR2R8R23R26
Xoom Xoom is primarily designed for international money transfers, with users appreciating its ease and speed for sending money to family abroad R2R8R23R26. Some users also note the ability to send mobile recharges .
PayPal PayPal offers a broader range of features, including general online payments, receiving paychecks, saving money, and 'Pay in 4' options for larger purchases . However, users report missing features like discount options for invoices or full website functionality within the app .
Ease of Use edge: XoomR2R5R6R18
Xoom Many Xoom users find the app easy, convenient, and fast for sending money R2R5R26. However, some recent reviews mention issues with logging in, constant re-verification, confusing processes, and difficulty editing recipients R6R18R19.
PayPal PayPal users find the app generally easy to use for payments . However, many report significant issues with logging in, the app not opening, or specific features like making PayPal Credit payments not working . Some also complain about the app being slow and clumsy .
Reliability and Performance edge: XoomR1R5R7R8
Xoom Many long-term Xoom users praise its reliability and speed for transfers R5R8. However, a significant number of recent reviews report issues with transactions getting stuck, delays, cancellations, and the app not working properly R1R7R33R43.
PayPal PayPal is generally seen as secure and reliable for online payments . However, users frequently complain about money being put on hold for weeks, transfers taking days, and issues with adding money to accounts . Some also report accounts being suspended or closed without clear reasons .
Price/Value tieR3R12R15R25
Xoom Xoom was once considered cheap . However, many recent reviews indicate that Xoom has become expensive, with high remittance fees and low exchange rates compared to alternatives R3R12R15R25.
PayPal PayPal users mention fees for international transfers and issues with their credit card holding money, potentially for interest . Some users also complain about the app's age restriction, wishing for a lower age limit .
Customer Service and Support tieR4R7R10R13
Xoom Xoom's customer service receives overwhelmingly negative feedback. Users report rude agents, lying, inability to resolve issues, accounts being closed without explanation, and extremely slow email responses R4R7R10R13.
PayPal PayPal's customer service is also a major pain point. Users describe it as unhelpful, pathetic, slow, and relying on chatbots that don't solve problems . Many report long hold times and agents unable to assist .
Pick Xoom if

You primarily need to send money internationally quickly and reliably, especially if you've had positive experiences with Xoom in the past, understanding that recent price increases and customer service issues are a concern R8R23.

Pick PayPal if

You need a versatile platform for general online payments, receiving money, and utilizing features like 'Pay in 4,' and are willing to navigate potential customer service challenges and occasional app glitches .

Evidence note: Both apps have a significant number of negative recent reviews, particularly concerning customer service and account issues. Xoom's negative reviews often focus on recent changes in service quality and pricing, while PayPal's negative reviews are more broadly about app functionality and support.

Frequently asked

Is Xoom still a good option for international money transfers?
While many long-time users praise Xoom for being fast and reliable for international money transfers, recent reviews indicate a decline in service quality, with issues like transaction delays, cancellations, and increased fees R7R15R33R43.
How does PayPal's customer service compare to Xoom's?
Both PayPal and Xoom receive extensive criticism for their customer service; users report unhelpful agents, long wait times, and unresolved issues for both platforms R4R7R10R16.
Do Xoom and PayPal have issues with account verification or holds?
Yes, both apps have users reporting issues with account verification, holds, or even permanent account closures without clear reasons (R7, R10, R16, R19, , , , for Xoom; , , , , , , , , , for PayPal).

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. [R2] Xoom 5/5 · US Great and very convenient: Alex love el campo
  2. [R8] 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
  3. [R23] Xoom 5/5 · US Excelente: La forma más fácil, rápida y segura de enviar dinero a tus seres queridos en Dominicana. Cualquier error te devuelven tu dinero, me encanta
  4. [R26] Xoom 5/5 · US Thank you, Xoom: So far, it's been great. Very convenient and fast.
  5. [R5] Xoom 5/5 · US Great service: I love it. A great service you can rely on.
  6. [R6] Xoom 3/5 · US Confusing: I went through the process to send money but I don’t know if it went through
  7. [R18] 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.
  8. [R1] Xoom 1/5 · US Does not work properly: I been trying to send money and there is always issues with the operation!
  9. [R7] 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
  10. [R3] Xoom 3/5 · US Got expensive: Works perfect, but got expensive this year
  11. [R12] Xoom 3/5 · US Paga menos que otros: Paga barato el dólar
  12. [R15] 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.
  13. [R25] Xoom 1/5 · US Alta comisión: Muy alta la comisión
  14. [R4] Xoom 1/5 · US Terrible app & customer service: I was initially very excited about this app after struggling for some months to find a good streamlined but fairly full featured alternative to Wise that appeared in most cases to be cheaper (or even free) than most transfer apps. I’m an international research veterinary medical doctor and artist, I am a dual citizen so split my time between the EU & the US & trave
  15. [R10] Xoom 1/5 · US Hilarious how customer support team responded: So basically, my transaction got stuck for some sort of verification and when I call customer care, she says we cannot make your transaction because we could not verify your information and I said what’s the reason what’s not there she says we cannot share those information so I said, that means I cannot make my transaction?? And she said yes, so I sa
  16. [R13] Xoom 1/5 · US Top worst service award: If there is a worst service award you will win the gold medal.
  17. [R33] Xoom 1/5 · US Era bueno, ahora es terrible: Antes era la mejor opción para enviar dinero, ahora solo retrasos y cancelaciones, ya por eso no los he seguido usando
  18. [R43] 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
  19. [R16] 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
  20. [R19] Xoom 1/5 · US Terrible: Constant reverification is intolerable. Why give all my info so many times? What’s the point of pairing with PayPal? When you cancel all my transactions? Useless.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store