Wise vs Xoom (PayPal)
A detailed head-to-head comparison of Wise and Xoom (PayPal) based on our 100-point scoring system.
Winner
Wise
Wise International Money Transfer
93/100
Excellent4.3
218,000 reviews
Xoom (PayPal)
Xoom International Money Transfer
82/100
Very Good4.1
12,000 reviews
Side-by-Side Comparison
Metric
Wise
Xoom (PayPal)
Overall Score
93/100
82/100
Price
$0.00
$0.00
Customer Rating
4.3/5
4.1/5
Review Count
218,000
12,000
Best For
Best Exchange Rates
Best for PayPal Users
About Page
Yes
Yes
Contact Info
Yes
Yes
Wise — Score Breakdown
Fees & Exchange Rates24/25
Transfer Speed18/20
Global Coverage14/15
Ease of Use14/15
Security & Regulation10/10
Customer Support8/10
Transparency5/5
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
Wise
Industry-leading exchange rates with zero markup — the biggest single cost advantage over banks and most competitors.
Full fee transparency shown before confirmation, with a detailed breakdown of the transfer fee and exchange rate.
Highly rated app (4.7 on the App Store) and a clean web interface that makes setup and transfers genuinely quick.
No cash pickup option — transfers are bank-to-bank only, which excludes recipients without a bank account.
Fees on credit card-funded transfers can be notably higher (sometimes 3%+), so the cost advantage narrows if you pay by credit card.
Customer support is primarily chat and email; phone support is limited, which can be frustrating for time-sensitive issues.
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
Wise comes out ahead with a score of 93/100 compared to 82/100. Wise is best for best exchange rates. 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.