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Free Xoom alternatives: 4 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rank

4 of the 6 Xoom alternatives we track can be used for free (free, open source, or with a free plan). Remitly, Xe and Wise rank highest, with facts last verified Nov 8, 2026.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Remitly logoRemitlyFree—NoWeb, iOS, Android4 of 468.8
2Xe logoXeFree plan + paid—NoWeb, iOS, Android8 of 859.4
3Wise logoWiseFree—NoWeb, iOS, Android3 of 354.4
4PayPal logoPayPalFree plan + paid—NoWeb, iOS, Android8 of 850.0
  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. Xe logo

    2. 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)
  3. Wise logo

    3. 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)
  4. PayPal logo

    4. 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)