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Xoom alternatives: 6 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll international money transfer services

Top picks

  • Remitly logo

    Best overall

    Remitly

    Free

  • Xe logo

    Best free option

    Xe

    Starting price: Transfer fees from $0

Common reasons people leave Xoom: earns a margin on the exchange rate on top of the fee, and card-funded transfers usually cost more than bank-funded ones. We ranked 6 alternatives by how directly each one replaces Xoom, then by reviews, real visits and how recently each app's facts were checked against its own website. Remitly currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Remitly logoRemitlyFree—NoWeb, iOS, Android4 of 468.8
2MoneyGram logoMoneyGramPaid—NoWeb, iOS, Android4 of 461.8
3Xe logoXeFree plan + paid—NoWeb, iOS, Android8 of 859.4
4Wise logoWiseFree—NoWeb, iOS, Android3 of 354.4
5PayPal logoPayPalFree plan + paid—NoWeb, iOS, Android8 of 850.0
6Instarem logoInstaremPaid—NoWeb, iOS, Android5 of 542.3
  1. Remitly logo

    1. RemitlyTop pick

    Best for: People sending regular remittances to family abroad, especially for cash pickup or mobile wallets

    FreeWeb, iOS, Android

    68.8

    score / 100

    Why switch from Xoom

    Remittance specialist with similar bank, wallet and cash pickup payouts and often keen rates on popular corridors.

    Pros

    • Sends to 170+ countries with bank, mobile wallet and cash pickup options
    • Fee and exchange rate shown before you confirm
    • Support in 18 languages
    • Business accounts for paying overseas contractors

    Cons

    • Exchange rates include a margin, so it is not always the cheapest route
    • You can only send from a limited list of countries
    • Costs vary by route and payment method, which makes comparing harder
    Visit Remitly Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Remitly a good Xoom alternative?

    Verified facts

    4 of 4 verified
    Destinations
    175+ countries
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
    Delivery methods
    Bank account, mobile wallet, cash pickup
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
    Support languages
    18
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
    Headquarters
    Seattle, US
    Checked Nov 8, 2026remitly.com(opens source in a new tab)
  2. MoneyGram logo

    2. MoneyGram

    Best for: People sending money to families who collect cash or use mobile wallets

    PaidWeb, iOS, Android

    61.8

    score / 100

    Why switch from Xoom

    Huge cash pickup network for recipients without bank accounts, plus online and app transfers.

    Pros

    • Huge cash pickup network in over 200 countries and territories
    • Send in the app, online or in person
    • Bank, debit card and mobile wallet delivery where available

    Cons

    • Fees and exchange-rate margins vary widely by route and method
    • Often costlier than online-only services for bank transfers
    • Not every service is available in every country
    Visit MoneyGram Compare with XoomDetails and reviews
    How this score is calculated
    Editorial fit ×0.377
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is MoneyGram a good Xoom alternative?

    Verified facts

    4 of 4 verified
    Countries
    200+ countries and territories
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
    Retail locations
    Nearly 500,000
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
    Ways to send
    App, online or in person
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
    Bill pay
    Yes (US)
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
  3. Xe logo

    3. Xe

    Best for: People sending larger sums abroad who also want a trusted currency converter and rate alerts

    Free plan + paidWeb, iOS, Android

    59.4

    score / 100

    Why switch from Xoom

    Bank-to-bank transfers to many countries with no separate fee on many routes, from a well-known currency site.

    Pros

    • Free currency converter, charts and rate alerts
    • Bank, mobile wallet and cash pickup delivery
    • Regulated in many countries and part of Euronet

    Cons

    • Card payments add an extra fee
    • Exchange-rate margin makes the true cost less obvious than Wise's
    • Bank transfers can take up to three business days
    Visit Xe Compare with XoomDetails and reviews
    How this score is calculated
    Editorial fit ×0.369
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Xe a good Xoom alternative?

    Verified facts

    8 of 8 verified
    Owner
    Euronet Worldwide
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Cash pickup
    500,000+ locations
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Regulators
    FCA, FinCEN, FINTRAC, ASIC and more
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Rate alerts
    Yes
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Starting price
    Transfer fees from $0
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Bank account payment
    No additional fee
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Card payment
    Small additional fee
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    US online transfer limit
    $535,000 USD per transfer
    Checked Nov 8, 2026xe.com(opens source in a new tab)
  4. Wise logo

    4. Wise

    Best for: Expats, freelancers and travellers who send, receive or spend money in several currencies

    FreeWeb, iOS, Android

    54.4

    score / 100

    Why switch from Xoom

    Uses the mid-market exchange rate with a separate fee, so the total cost is easier to see for bank transfers.

    Pros

    • Mid-market exchange rate with fees shown upfront
    • Holds and converts 40+ currencies in one account
    • Local account details for receiving payments abroad

    Cons

    • Not a full bank in most countries, so no overdrafts or loans
    • Per-transfer fees still apply, especially for small amounts
    • Funds are safeguarded rather than covered by deposit insurance in many regions
    Visit Wise Details and reviews
    How this score is calculated
    Editorial fit ×0.352
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Wise a good Xoom alternative?

    Verified facts

    3 of 3 verified
    Currencies
    40+
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Account fee
    Free to open
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Fund protection
    Safeguarded accounts
    Checked Nov 8, 2026wise.com(opens source in a new tab)
  5. PayPal logo

    5. PayPal

    Best for: People who pay online often or send money to friends across iPhone and Android

    Free plan + paidWeb, iOS, Android

    50.0

    score / 100

    Why switch from Xoom

    Xoom's parent; sending money abroad straight from a PayPal balance skips a second account, though fees and rates differ.

    Pros

    • Accepted at a very large number of online stores
    • Works on any phone and in the browser
    • Purchase Protection on eligible purchases

    Cons

    • Fees on some transfers, currency conversion and receiving payments
    • Not a full tap-to-pay phone wallet in most countries
    • Features like Pay Later and crypto vary by country
    Visit PayPal Details and reviews
    How this score is calculated
    Editorial fit ×0.338
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is PayPal a good Xoom alternative?

    Verified facts

    8 of 8 verified
    Account cost
    Free to open
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Platforms
    iOS, Android
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buy now, pay later
    Pay in 4, Pay Monthly (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buyer protection
    Purchase Protection
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    PayPal Checkout fee
    3.49% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Card payments fee
    2.99% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Fixed fee
    $0.49 per US dollar transaction
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    International fee
    Extra 1.50% on international commercial payments
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
  6. Instarem logo

    6. Instarem

    Best for: Expats in the US, Europe or Asia sending money home to bank accounts, especially to India

    PaidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Xoom

    Rewards points on every transfer and competitive bank-deposit rates to India.

    Pros

    • InstaPoints rewards lower the cost of future transfers
    • Fees and rate shown upfront with real-time tracking
    • Backed by Nium and licensed in 11 countries

    Cons

    • Around 60 destination countries, far fewer than Remitly or Western Union
    • Mostly bank deposits, with little cash-pickup coverage
    • Supporting documents may be requested for some transfer purposes
    Visit Instarem Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Instarem a good Xoom alternative?

    Verified facts

    5 of 5 verified
    Destinations
    60+ countries
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Owner
    Nium
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Regulation
    Licensed in 11 countries
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Founded
    2014, in Asia-Pacific
    Checked Nov 8, 2026instarem.com(opens source in a new tab)
    Rewards
    InstaPoints on every transfer
    Checked Nov 8, 2026instarem.com(opens source in a new tab)

The best Xoom alternative for…

The highest-ranked app in this list for each need.

Remitly logo

Best Xoom alternative for most people

Remitly

Remittance specialist with similar bank, wallet and cash pickup payouts and often keen rates on popular corridors.

Wise logo

Best Xoom alternative for a free option

Wise

Uses the mid-market exchange rate with a separate fee, so the total cost is easier to see for bank transfers.

Xe logo

Best Xoom alternative for a free plan you can upgrade

Xe

Bank-to-bank transfers to many countries with no separate fee on many routes, from a well-known currency site.

MoneyGram logo

Best Xoom alternative for iPhone and Android

MoneyGram

Huge cash pickup network for recipients without bank accounts, plus online and app transfers.

PayPal logo

Best Xoom alternative for working in the browser

PayPal

Xoom's parent; sending money abroad straight from a PayPal balance skips a second account, though fees and rates differ.

Xoom alternatives: common questions

What is the best alternative to Xoom?

Remitly ranks first right now. Remittance specialist with similar bank, wallet and cash pickup payouts and often keen rates on popular corridors. MoneyGram and Xe follow it in our ranking.

Xoom vs Remitly: what's the difference?

Xoom is a paid product; Remitly is free to use. Both run on Web, iOS and Android.

Is Xoom free?

Xoom is a paid product. Transfer fee to India: $0 on eligible transactions. Checked on Xoom's own site, November 2026.

Is there a free alternative to Xoom?

Yes. Remitly (free), Xe (free plan + paid), Wise (free) and PayPal (free plan + paid) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Xoom?

None of the 6 alternatives in this list is open source.

Why do people switch from Xoom?

The complaints we hear most: earns a margin on the exchange rate on top of the fee; card-funded transfers usually cost more than bank-funded ones; fees, limits and speeds vary a lot by country.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Xoom, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.