Remitly vs Xoom (PayPal)
A detailed head-to-head comparison of Remitly and Xoom (PayPal) based on our 100-point scoring system.
Winner
Remitly
Remitly International Money Transfer
88/100
Very Good4.5
47,000 reviews
Xoom (PayPal)
Xoom International Money Transfer
82/100
Very Good4.1
12,000 reviews
Side-by-Side Comparison
Metric
Remitly
Xoom (PayPal)
Overall Score
88/100
82/100
Price
$0.00
$0.00
Customer Rating
4.5/5
4.1/5
Review Count
47,000
12,000
Best For
Best for Developing Market Transfers
Best for PayPal Users
About Page
Yes
Yes
Contact Info
Yes
Yes
Remitly — Score Breakdown
Fees & Exchange Rates20/25
Transfer Speed19/20
Global Coverage14/15
Ease of Use14/15
Security & Regulation9/10
Customer Support8/10
Transparency4/5
Xoom (PayPal) — Score Breakdown
Fees & Exchange Rates18/25
Transfer Speed18/20
Global Coverage13/15
Ease of Use13/15
Security & Regulation9/10
Customer Support7/10
Transparency4/5
Pros & Cons
Remitly
Highly competitive rates on major remittance corridors like US-to-Philippines, US-to-India, and US-to-Mexico.
Cash pickup and mobile wallet delivery options that reach recipients without traditional bank accounts.
Delivery guarantee with automatic fee refund if the transfer does not arrive on time.
Exchange rate margins on less popular corridors can be 2%–3% above the mid-market rate, adding hidden cost to the total.
Daily transfer limits of $10,000 (standard accounts) make it less suitable for large or business transfers.
Fee and rate transparency is good within the app but less clear on the website, requiring extra steps to see the full cost.
Xoom (PayPal)
Seamless integration with PayPal — existing users can send international transfers immediately without new account setup or additional verification.
Unique bill pay feature for Latin America and the Philippines covers utilities, mobile bills, and card payments for recipients abroad.
Backed by PayPal's globally trusted compliance and fraud protection infrastructure.
Exchange rate margin of 1.5%–3.5% is higher than Wise (0%) and Remitly on major corridors, adding meaningful cost on larger transfers.
Transfer limits of $10,000 per day on standard accounts restrict the service for larger or business transfers.
Cash pickup network is smaller than Western Union's and Remitly's, limiting cash delivery options in some less-served areas.
Our Verdict
Remitly comes out ahead with a score of 88/100 compared to 82/100. Remitly is best for best for developing market transfers. However, Xoom (PayPal) may be a better fit if you prioritize best for paypal users.
Transfer fees, exchange rates, and delivery times may vary based on destination, amount, and payment method. Always verify current rates and fees before initiating a transfer.