Best Xoom Alternatives for Sending Money Internationally

Xoom, a PayPal-acquired company, has been around since 2001, offering quick and convenient international transfers for personal use. But when you look beyond basic remittances, toward larger payments, business payouts, or more transparent pricing, it starts to show its limits.

That’s why many users now find themselves exploring Xoom alternatives that can handle higher volumes, offer clearer fees, and advanced business-grade features. Here, we’ll explore where Xoom falls short and what alternatives might be a better choice.

TL;DR

Here is a quick overview of all Xoom alternatives:

1. Xflow: Best for Indian businesses receiving international payments and requiring faster settlements, transparent pricing with zero markup, AI-powered FX insights, compliance-ready workflows, and business-friendly tools.

2. Wise: Best for multi-currency accounts with clear pricing and zero markup. 

3. Remitly: Best for sending personal remittances with different delivery timelines.

4. WorldRemit: Best for sending personal remittances and business payouts with multiple payment methods and delivery options.  

5. OFX: Best for international transfers with FX insights and spend management.

6. Skrill: Best for online transfers with multi-currency digital wallet management and crypto trading. 

7. Western Union: Best for personal remittances with cash pickups at agent locations.

8. MoneyGram: Best for cash-pickups and in-person transfers.

9. Xe: Best for FX management and analysis along with international payments. 

10. Paysend: Best for multiple payment methods and delivery options. 

There are several reasons why one might look for a Xoom alternative. These include:

1. High transaction costs, including high currency markup.

2. No solutions for business-oriented payments.

3. Sending limits restricting large transactions.

4. Most of the services are available only in the USA, UK, Canada, and other European countries.

5. Doesn’t offer a multi-currency account.

There are many global payment services out there. But the right one should actually support the way your business operates. To evaluate that, you need to look at a few practical questions:

• Is the platform simple to use? The transfer process should be easy. The interface of the platform should be user-friendly without requiring much technical knowledge.

• How long do transfers actually take? Check the platform’s actual settlement performance and how consistently the money lands on time? Ensure there are no delays during peak hours. 

• Are the fees clear? You should know exactly what you’re paying, including markups and transaction fees, before initiating any transfer. 

•  Do users trust it? Check out existing customer feedback to evaluate its reliability. 

• Can the support team solve problems when they happen? Having a reliable and competent support team to assist you in case of any issues is a must. 

• Is your data protected to enterprise standards? Check whether the platform follows updated industry and regulatory requirements, and make sure there are strong security measures in place. 

• Does the platform make compliance easier? The platform should help you stay compliant automatically – from verifying sender/receiver details to issuing eFIRA, handling KYC, and AML checks. 

Here is a list of the top 10 Xoom competitors that you can consider for your global payment needs: 

1. Xflow

Xflow is one of the best Xoom alternatives that mostly caters to the needs of all types of Indian businesses involved in cross-border payments. With automated processes at its core, practical tools for businesses, an easy-to-use interface, and solid compliance capabilities, it stands out as one of the most reliable options on the market.  

Key features

1. Foreign currency accounts for local bank transfers. 

2. Shareable payment links.

3. FX AI analyst for predictive insights on exchange rates.

4. Payment operations in over 140 countries and more than 25 currencies. 

5. Invoicing tools to create and send out invoices.

6. White-label APIs for other payment platforms.

7. No transaction limits on single invoices. 

8. Seamless integration with your favorite accounting tools.

9. Real-time transaction tracking.

10. Built-in EDPMS management and eFIRA issuance for RBI compliance.  

11. ISO and SOC certifications.

Pricing

Xflow charges only a minimal transaction fee and zero currency exchange markups on the mid-market rate. Its pricing plan is divided on the basis of your invoices:

1. Starter: For invoices under $3,500, a fee of $12.00 is charged, and 0.6% is charged above $2,000. 

2. Growth: For invoices between $2,000 and $10,000, a flat fee of $20 is charged, and 0.4% for invoices greater than $5,000. 

3. Scale: If your invoices are greater than $10,000, you can get custom pricing under this plan.

Pros

• User-friendly dashboard with a comprehensive view of transactions and FX rates. 
• Next-day settlement.
• Local payment methods for clients. 
• Automatic issuance of eFIRA after every withdrawal.  
• Funds converted at targeted conversion rates based on AI-powered insights.
• Anytime fund conversion. 
• No hidden charges and zero markup.
• FX rates lock in for transparency of INR amounts during conversions. 
• Dedicated team of customer service. 
• Simple onboarding with minimal documentation. 

Review

Here are some of the reviews of Xflow’s users on G2: 

“Best pricing and timely transfer. We use them for money transfer on a monthly basis. We found their pricing, product and service to be very good. Far better than going via a traditional bank.”

“Xflow has simplified our cross border payments like never before. From smooth onboarding to streamlined FX conversions, payouts and collections - everything just works. Transfers are quick, rates are better than traditional banks, and their support team is always responsive and helpful - big thanks to Xflow team.”

“I’ve been using this app regularly for USD to INR transfers, and it’s been consistently excellent. The interface is clean and intuitive, making the entire process super easy.

What I appreciate the most is the competitive exchange rates and low transfer fees, which are clearly displayed before confirming a transaction.”

“Xflow has completely transformed the way I handle international payments & transfers. Settlements land in our account in <2 days, fees are transparent, fixed with no hidden markups, and compliance is taken care of automatically.

The dashboard is clean and easy to use, and support team is responsive via text. Compared to banks, I save time, money, and hassle.”

Ratings: 4.9 on G2

Don’t just take our word on it. Book a demo now and experience how effortless global transactions can be with Xflow!

2. Wise (formerly TransferWise)

Wise is another popular payment solution for both businesses and individuals to send out and receive international funds.

Key features

1. Transfers available to more than 170 countries and in 50-plus currencies. 

2. Multi-currency accounts. 

3. Digital eFIRA issuance. 

4. Strong security measures like fraud monitoring and two-factor authentication.

5. Multiple payments allowed in batches. 

Pricing

Wise pricing is publicly available. It uses mid-market rates for conversion, and charges a one-time setup fee that depends on the country. You’ll also be charged a 1.7-1.8% transaction fee and an additional fee for eFIRA. 

Pros 

• User-friendly interface.
• Wide global network. 
• Low transfer fees.
• Mid-market exchange rates.

Cons

• Not all features available in India.
• Can’t hold foreign currency in the Wise account. 
• Fees for eFIRA issuance.
• Maximum and minimum transaction limits.
• Some issues of account closures without proper communication. 

Review

Let’s have a look at what existing customers of Wise think: 

“safety, reliability and ease of receiving funds. We've been using wise for sending payments across teams/platforms and have not seen an issue once. If there were issues, we have their customer staff ready to assist in anyway they can.”

“Wise is easy to handle. I just had som difficulties with the reference number. It' very fast and the costs are okay.”

“You’ll be blocked on any given day without any way to appeal it. You’ll be left stuck with their mystique final decision that has no actual details. Their support won’t listen to your arguments or give you a chance to provide additional information and will repeat a canned speech over and over again.”

“Transaction fees should be lower for smaller transactions, and the conversion rate should be higher.”

Ratings: 3.9 on G2

3. Remitly

Remitly is a financial services platform that allows personal remittances across the globe. Although it does provide business payments, they are usually basic in nature. 

Key features

1. Allows transfer in more than 170 countries. 

2. Multiple payment delivery methods – cash pickup, mobile wallet, and bank deposit. Real-time transaction tracking. 

3. Express transfers for instant transfers and Economy transfers for settlement within 1-5 business days. 

4. Security features like encryption and strict verifications. 

5. Can be accessed through a mobile app or website. 

Pricing

Remitly’s fees differ based on the transaction amount, destination country, transfer options, and the payment method. There is also a currency conversion fee with the markup ranging between 0.4% and 1.4% over the mid-market rate. 

Pros

• Clean and simple UI. 
• Delivery guarantee – refund is processed if payments don’t arrive within the specified time. 
• Discount on fees for first-time users. 
• Real-time transaction tracking. 

Cons

• No clarity on fees. 
• Transfer limits. 
• Unresponsive customer support.
• Remitly Business for US-based companies only. 
• High currency conversion fee.
• Funds can be held up or cancelled. 

Review

Here are some of the views of Remitly users that they have shared on different platforms: 

“The best things about Remitly are the ease of usage for the end users, the self intuitive UI, and the speed of transactions with which money reaches the destination account.”

“It was so easy for the initial set up to send funds to where they needed to go, and repeat transfers are even easier. Everything regarding amounts, conversion rates etc. are clear and easy to locate. And the receipts are just as clear including the notification to the recipient.”

“Remitly is bad at refunds. They took 10 days to refund even if you cancel the transaction when the amount is not deducted from your account.”

“The cancelled my accounts twice . In the middle of transfers to friends who needed the money. They don’t tell you why, just say you violated something you didn’t do. They are untrustworthy and have very poor customer service.”

Ratings: 3.9 on G2

4. WorldRemit

WorldRemit is a digital global payments platform that offers an app or website for sending and receiving personal remittances and business payouts. 

Key features

1. Different payment receiving options – bank transfer, cash pickup, airtime topup, and mobile wallet. 

2. Transaction tracking in real-time. 

3. Multiple payment methods, including bank deposits and debit/credit cards. 

4. Daily exchange alerts to track any currency. 

Pricing

The exact transaction fee is charged on a percentage basis and depends on the currencies involved, the amount of money, and the mode of transfer. There is a markup on the exchange rate as well. In India, for Mobile airtime top-ups, some tax deduction may occur, resulting in an eventual amount of around 87% of the original. 

Pros

• Clean and intuitive UI.
• Multiple payment methods and receiving options.
• Easy sign-up process. 
• Wide global reach. 

Cons

• Maximum transfer amount limit of $5,000.
• High exchange rate markup.
• Unresponsive customer service. 
• Difficult refund process after cancellation. 
• Slow settlement time. 

Reviews

Here are some of the customer reviews from different platforms: 

“Simply the Best way to send Money with no a period of time. No complications whatsoever. Easy to comply with the transaction.”

“Delivery service is fast and the rate is very competitive. I will definitely recommend world remit to any one who wants to send money overseas any time or day”

“They charge you a fee for both debt and credit cards, while Remity and other platforms only charge you for the credit card. They have higher fees and not a favorable exchange rate.”

“I recently cancelled a transaction because I incorrectly saved the recipient's name; however, it's been over 2 weeks with no refund, no email responses.”

Ratings: 3.8 on G2

5. OFX

OFX is a financial platform for individuals and scaling businesses who need to make international transfers securely, and for FX analysis and management. 

Key features

1. Payment operations in over 30 currencies and to more than 170 countries.

3. Real-time expense management for complete visibility. 

4. Corporate cards for teams.

5. Integration with accounting software like Xero and QuickBooks.

6. Foreign exchange rate analysis and rate alerts. 

7. Multi-currency accounts for receiving and holding funds. 

Pricing

There are no transaction fees when you use OFX. In place of that, currency conversion fees are charged, which makes the markup quite high. Additional fees might also be charged depending on the payment method used. 

Pros 

• Multi-currency account with local bank details.
• Formal contracts to lock in FX rates. 
• Automated invoicing and billing.
• Spend management to avoid costly duplications.  

Cons

• Slow speed of transfers.
• High exchange rate markup on small amounts.
• Maximum transfer limit of $1000. 
• Hidden fees from third-party intermediaries and banks.
• Occasional issues with the verification process during sign-up. 

Review

Users offer a mixed review of OFX. Let’s have a look:

“I like the dashboard and I can save my currency type from which to which I can transfer and use it for future transfer too. Also live exchange rate and live updates is added feature.”

“My transfer is left sitting unfinished for basically a week now. Multiple calls, someone tells me they still haven’t finalized my verification even though I sent all the documents last week. Really not happy so far.”

“i applied to open business ltd account in uk still in progress no response from ofx verification team daily email for resolving my issue but not yet resolve my issue”

Ratings: 4.4 on G2

6. Skrill

Skrill is an online global payments system that is mostly known for its web wallet services. It allows businesses and individuals to make global payments in over 100 countries and supports more than 40 currencies. 

Key features

1. Multiple payment options like card payments, bank transfers, and local payment methods.

2. Allows transfer in over 40 currencies. 

3. Robust security features like tokenization, encryption, and two-factor authentication. 

4. Integration with accounting software. 

5. Can be accessed from the app and its website. 

6. Cryptocurrency trading with access to over 40 cryptocurrencies directly in the wallet.

Pricing

For international transfers, Skrill charges a transaction fee, which depends on the currency of the country, and there’s also a currency conversion fee of 3.99%. In addition, you’ll also be charged a $5 account inactivity fee if you don’t use your Skrill account to make at least one payment in the last 12 months. 

Pros

• Intuitive and user-friendly interface. 
• Loyalty programs for frequent users. 
• Prepaid card to access funds easily. 
• Strong payment security. 

Cons

• High currency conversion fees. 
• Slow and limited customer service. 
• Long verification process. 
• Unexpected account closures. 

Reviews

Here are some Skrill’s customer reviews: 

“I am using Skrill more than a years. It is a very good payment system for many service providers. And deposit and withdrawal is very easy and fast.”

“very easy to use, clean and fast.”

“I just registered my account on skrill and for reasons unknown, immediately after verifying my documents 'Successfully' they restricted my account. No response from customer service.”

“My account was suddenly closed after I deposited money from my bank account. Even after several attempts of contacting your support team through the contact form, nothing has been done. Skrill needs to improve on customer care and respond to users swiftly.”

Ratings: 3.4 on G2

7. Western Union

Western Union is another WorldRemit alternative that simplifies cross-border payments for individuals and businesses, and is also recognised for its extensive agent network. 

Key features

1. Access through app and website.

2. Encryption and fraud detection measures for secure transfers. 

3. Real-time tracking of transfer through MTCN, a unique tracking number. 

4. Operates in more than 200 countries. 

5. Wide network of agent locations to send and receive money in cash. 

Pricing

There’s no fixed pricing available for the transaction and currency conversion fee, and it varies depending on the destination country, transfer amount, and payment and delivery method used. 

Pros 

• Fast transfers for cash payments via agent locations. 
• Multiple payment and delivery options available. 
• User-friendly website and app.

Cons

• High exchange rate markup.
• Varying fees based on country.
• Transfer limits and daily transaction limits. 
• Users flag failed refunds after cancellations. 
• Unresponsive customer service. 

Review

This is what the platforms’ users have to say about their experience:

“A trustworthy company easy to transfer money to various outlets . Always trying to look after your safety when transferring money”

“Very terrible and disappointing..I have been following up for a money refund for the last 4 months and nothing has happened..I regret using western union..”

“It charges huge service fee” 

Ratings: 4.2 on Trustpilot

8. MoneyGram

Next on the list of Xoom competitors is MoneyGram. It’s a global money transfer platform that uses agent locations to transfer funds. The platform is mostly used by businesses and individuals for sending and receiving remittances and business payouts. 

Key features

1. Operates in more than 200 countries. 

2. Has more than 400,000 agent locations. 

3. Payments can be made through a MoneyGram account, bank account, credit/debit card, Apple Pay, or cash at an agent location. 

4. Transactions can be processed through the website, app, or in person via agent locations.

5. Conversions like crypto-to-cash and vice versa are also allowed. 

6. API integration for business-ready workflows. 

Pricing

MoneyGram has not disclosed its pricing on the platform. Its transfer fee generally depends on the payment amount, payment and delivery method chosen, and the destination country.

Pros 

• Multiple payment methods and delivery options
• Local agent assistance for in-person transfers.
• Real-time transaction tracking. 
• Encryption and fraud detection for payment security.

Cons

• No fixed transfer fee.
• High currency exchange markup.
• Occasional issues with blocked accounts.
• Transfer limit of $10,000 within 30 days. 

Review

Here are some reviews of MoneyGram’s users:

“t sends the money from one bank account to another bank account quickly. It has more features and is easy to use.”  

“I find MoneyGram online to be a convenient, safe, and faster way to send money home.”

“My account was suddenly closed without any explanation or proper communication. I’ve been a long-time user and expected transparency and respect, but instead I received vague messages and no clear reason for the closure.”

“I verified my identity, submitted my passport, and followed all the limits and policies. After one successful transfer, my account was suddenly disabled without any reason or warning. Their support is absolutely useless — no explanation, no transaction details, nothing but generic responses. This is by far the worst experience I’ve had with a financial service”

Ratings: 4.2 on Trustpilot

9. Xe

Xe is another cross-border payment processing platform for international transfers and even helps with FX risk management for businesses and personal use.

Key features

1. Transactions allowed in more than 190 countries. 

3. FX insights and live news about current exchange rates and forex markets.

4. Customizable dashboards. 

5. Rate alerts for favorable currency pairs. 

6. Real-time transaction tracking.

Pricing

Xe doesn’t list its pricing upfront, so you’ll only get exact numbers by reaching out to their sales team or by checking the charges at the moment you initiate a transfer. What is known, though, is that XE applies both, a transaction fee and a currency conversion fee.

Pros

• Lets you schedule payments in advance to avoid missing deadlines.
• Offers currency trend insights to help with timing.
• Built-in IBAN checker reduces transfer errors.
• Generates automatic invoices for easier bookkeeping.
• Supports transfers to a large number of countries.

Cons

• Transfer limits vary by country and can restrict larger payments. 
• Noticeable markup on top of the mid-market exchange rate. 
• Doesn’t share a clear fee structure upfront.
• Users often report delayed settlements or funds being held without proper updates.
• Extra charges apply when paying with a credit card.

Review

This is what users have to share regarding about Xe: 

“Helps to send payment using multiple sources such as credit card, debit card, etc.”

“it is fast, secure and help us to make money transfer easy!”

“Transactions are fine but the charges are ridiculous. I have told you guys before as well....you guys make enough money from the rates as it is. I would encourage your users to look to use other providers”

“Remittance did not go through. Still waiting to get money that was taken from my account to be refunded. Hopefully that will happen. Can take up to 10 working days or more - time that XE is holding onto my money.”

Ratings: 3.9 on G2

10. Paysend

Paysend is another payment processing platform that allows people to send remittances to their family and friends abroad. It also helps businesses with their payouts in over 100 countries. 

Key features

1. Multiple delivery options available. 

2. Strong security features like authentication, encryption, KYC, and AML checks. 

4. Tiered transfer limits based on user verification level.

5. Different ways to send payments, including credit/debit cards, digital wallets, and bank transfers.

6. Can be accessed from an app and its website. 

Pricing

Paysend charges a $2 transaction fee. And there’s also a markup on mid-market exchange rates, which can increase the overall pricing. 

Pros 

• Fast transfers with most arriving instantly, while some may take 1-3 business days.
• High level of payment security. 
• Fixed transaction fee available. 
• Clean, intuitive UI. 

Cons

• No transparency on exchange rates. 
• Delay in transfers. 
• The verification process can take a long time. 
• Slow customer service. 

Review

Here is what Paysend’s users feel about the platform: 

“It works fast and integrates well with systems.”

“Paysend is a reliable and trustful organisation to send money safely.”

“It takes ages to transfer, better apps available on playstore. Customer service responses are also late. The bot shows the assistance will be available soon but may need to wait half an hour get connected for a response”

“Support chat is not as user friendly as it should be. It's somehow confusing to the new users.”



Ratings: 4.2 on Trustpilot

It’s abundantly clear from our list here that every platform shines in a different way. Some platforms offer strong security, while others may process your transactions faster. Some might take care of your compliance needs better, others might offer business-friendly workflows, easy integrations, or better control over global disbursements.

All in all, the platform that fits you should depend on your specific needs and own business goals. Your transaction volumes, your geography spread, your actual budget, your compliance load, your need for automation, and your tolerance for FX risk – those are the real filters.

And that’s what Xflow delivers. With transparent, predictable pricing, built-in compliance features, seamless integrations, faster settlements, business-ready tools, AI-powered predictive FX insights, real-time tracking, and a wide global reach, Xflow offers the perfect solution to all your cross-border payment hassles. Sign up now and experience the ease yourself!