Skip to content

Selecting a Money Transfer Service: The Bank-to-Bank Option


The money transfer market was once dominated by offline, fragmented, cash-to-cash operators whose services were often expensive, inconvenient and risky for both senders and receivers.

Over the past few years, the remittance industry has evolved to an online model, with computers and mobile devices leading the way. The fact is, when you remove cash from the sending side of the remittance process, you minimize the risk of loss or mishandling of cash on its way to your loved ones.

Simply put, the online approach delivers a more convenient, faster, safer and cost-effective way to send money home. Thus, we encourage you to stick with money transfer companies that employ the most up to date technology available to keep your transactions safe and secure.

Also, make sure your prospective money transfer company offers you the flexibility to pay for remittances by either withdrawing funds directly from your U.S. bank account or via a major credit card. Recipients in your home country should have the option to pick up the money in cash, have the money deposited into their bank account, or if the service is available in that country, have the money delivered to their door.

When Is Money Withdrawn from Your Account?
You might not have thought to ask this question, but it is a key consideration. It actually depends on how you decide to pay, whether it’s account-to-account, by credit card or cash pickup.

Often times, it can be a near-instant service (depending if you qualify); other times it might be a few hours. Depending on the country and type of payment, find a money transfer company that ensures the money you have sent actually reaches your recipient before withdrawing any money from your bank account.

Trusted Bank & Retail Partners
Be sure to find out what banks and retail partners work with a particular money transfer company, especially in the recipient’s country. When you are certain that the money transfer company is conducting business with a trusted partner on the other end, you will have more confidence in your ability to send money securely and that the pickup locations are safe and convenient for your family and friends at home.


Watch Tendulkar’s 200th and final test match for free on


Can’t buy a ticket for Sachin Tendulkar’s last match, one of the biggest matches in India’s cricket history?

The Mumbai Cricket Association put about 3,500 tickets on sale through a Web site, but the site crashed – and the tickets were not available to be sold at Wankhede for the test match on Wednesday against the West Indies.

But there’s an easy way to make sure you can be part of Tendulkar’s and Team India’s history: You can watch Tendulkar’s 200th and final test match of his 24-year career for free on by simply sending your first Xoom money transfer of $150 or more.  And by doing just that, you can also watch all of Team India’s matches on for free the rest of the year.

Wankhede seats only 32,000, so the demand for tickets to see the “Little Master” end his test career far exceeds the capacity of the stadium.

Now, Xoom has teamed up with to make it easy to be part of history and give Tendulkar your own personal sendoff.


Nothing Lasts Forever

Displeased young man in Indian cricket team jersey standing with hands on head over white background

Nothing lasts forever, not even the history-soaked career of Sachin Tendulkar, the greatest cricket player India ever produced.  The so-called ‘Little Master,’ Tendulkar, the only player to reach 100 international centuries, the highest Test run scorer of all time, is playing his last game – and going out in a blaze of glory.

Tendulkar, who is 40, said he’s calling it quits after Team India’s 2nd Test against the West Indies on Nov. 13 – the 200th Test match of his long career.

Here’s your chance to watch it for free:  You can watch all of Team India’s matches for the rest of the year on simply by sending your first Xoom money transfer of $150 or more.

Tendulkar’s last match ends a monumentally successful career that began 24 years ago and seen the popular, right-handed batsman score a record 100 centuries in Tests and ODIs since he made his debut for Team India in 1989.

Tendulkar, who has played cricket since he was 11, said he’s been more than fortunate, because it’s all he ever wanted to do.

“All my life, I have had a dream of playing cricket for India,” he told CNN.  “I have been living this dream every day for the last 24 years.”


Selecting a Money Transfer Service: What Kind of Fees Can You Expect?

Indian currency

People who send money back home come from every income bracket, education level and industry. Some of these “remittance” senders are working lower-paying jobs and struggling to earn enough money to both survive in their adopted country and still have some left over to send to their family. Some are enjoying more prosperous careers away from home while others with an entrepreneurial spirit have started their own businesses.

Regardless of circumstance, all have one thing in common. They are working hard to ensure the best for their families and the last thing they should have to worry about is whether or not their money transfer company is charging fees that are fair. There are a number of variables that can affect fees, including rules and regulations in effect in the recipient’s country, the disbursement currency, speed of service, the type of funding source (bank account, credit or debit card) and the amount sent.

To ensure that you aren’t paying too much in up-front fees, we suggest that you find a money transfer company that offers a low flat rate or fixed fees for how and when you send. Be sure to check their website for rates to your home country – and know what that rate gets you.

As an example of one common scenario, let’s say you are sending $2,500 to Mexico or the Philippines directly from your checking account and your mother is picking up the money in local currency. Try to find a provider that charges a flat fee in the neighborhood of $5 for each transaction. Keep in mind that money sent from debit or credit cards and pickups in anything other than the local currency (such as U.S. dollars) usually results in higher fees, so you need to keep those factors in mind.

Also be sure that any prospective money transfer company can provide perfect clarity on the receiving amount, so there are no surprises after you have sent your money back home. All money transfer companies charge a set fee for a set sending amount, no matter where you live. Be sure to understand what those fees are and how guaranteed exchange rates work.

If you are sending money to a country in Latin America, one report worth checking out for a comparison of average fees charged by well-known money transfer companies in the region is available from the Inter-American Dialogue, pages 11-12.


Help Typhoon Yolanda Victims by Donating Through Xoom


Xoom to donate 100% of money transfer fees for all donations sent to the Philippine Red Cross, November 8-30, 2013

SAN FRANCISCO, CA November 8, 2013Xoom Corporation (NASDAQ: XOOM), a leading digital money transfer provider has announced that it will contribute 100% of money transfer fees for all donations sent to the Philippine Red Cross (PRC) from in support of those affected by Typhoon Yolanda.  From today through November 30, customers can visit to send a donation directly to the PRC’s Peso bank accounts.

“The most powerful storm ever to make landfall has hit the Philippines and has devastated much of the Visayas,” said Julian King, Xoom’s Senior Vice President, Marketing and Corporate Development. “Our hearts go out to those affected by this powerful storm and our thoughts are with the victims and their families. Xoom is encouraging people to help the Filipino community in their rescue and recovery efforts by donating to the Philippine Red Cross.”

To make a donation to the PRC with Xoom, customers can follow these steps:

Step 1 – Sign up for a account, or sign in to your existing Xoom account.

Step 2 – Select Bank Deposit as the way in which you would like the money received.

Step 3 – Enter the following:

Recipient Name - Philippine Red Cross (PRC)

(PRC) Bank Account Details:  The following PRC bank account details will be needed at the time of the transaction to make their donation:

PRC Peso Account
Banco de Oro: 004530018647
Metrobank:  1513041631228
Philippine National Bank: 375283500034

Enter Recipient Address and Phone Number
Philippine Red Cross
National Headquarters
Bonifacio Drive, Port Area
Manila 2803, Philippines
Phone Number:  527-0000

Note: In addition to the money transfer fee, Xoom generates revenue when it changes your dollars into a foreign currency.

About Xoom
Xoom is a leading digital money transfer provider, focused on helping consumers send money in a secure, fast and cost-effective way using their mobile phone, tablet or computer. During the 12 month period ended September 30, 2013, Xoom’s more than 997,000 active customers sent more than $5.1 billion to family and friends in 30 countries. The company is headquartered in San Francisco and can be found online at


Xoom Launches New Hispanic Television Commercials as Part of the “Better Way” Advertising Campaign

No Hablo Español” and “Roulette” join Xoom’s Award-winning Latin American Advertising Lineup

SAN FRANCISCO, CA, November 7, 2013 – Xoom Corporation (NASDAQ: XOOM), a leading digital money transfer provider, has introduced two new television commercials for the Latin American market as a part of the “Better Way” campaign launched in 2011.

The first commercial, entitled “No Hablo Español” (“I Don’t Speak Spanish”) shows a frustrated man, Oscar, who goes to a  store to send money home, but is met with a money transfer agent who says, “Umm, what?” and then “Sorry, no hablo español,” as she blows a bubble from her chewing gum,  leaving Oscar helpless.  He goes home to see his wife, Olivia, at the table with her laptop sending money through  Olivia says to Oscar: “Usa, que esta español” (“Use, it is in Spanish”).

The second commercial, “Ruleta” (“Roulette”), features Oscar, once again, entering a store to send money, asking the agent “How much does it cost to send $300?”  The agent has a spinning wheel next to her with descriptions: “too expensive,” “you pay double” and a smaller panel, “free.”  Oscar spins and comes up with “you pay double” sign and reacts “oops.”   At home, Olivia asks Oscar, “Did you send the money?” When Oscar tells her what happened, she says “Next time, use”

Sending money on is truly magical and transformative, offering senders an experience that is safe, convenient, fast and fairly priced,” says Julian King, Xoom’s Senior Vice President, Marketing and Corporate Development.  “With these two new ads, we are able to deliver these messages with likeable characters that resonate with consumers.

“Xoom’s ‘Better Way’ campaign was launched in November 2011 with more than a dozen innovative commercials airing these past two years,” King added.  Last fall, Xoom won the gold from the ANA Multicultural Excellence Awards for “Save the Pigs,” as best campaign developed to reach Hispanic consumers.

“No Hablo Español” and “Roulette” are the latest television ads from Xoom targeting the Spanish-language audience.  The commercials are running on major Spanish-language television through the end of the year.

About Xoom
Xoom is a leading digital money transfer provider, focused on helping consumers send money in a secure, fast and cost-effective way using their mobile phone, tablet or computer. During the 12 month period ended September 30, 2013, Xoom’s more than 997,000 active customers sent more than $5.1 billion to family and friends in 30 countries. The company is headquartered in San Francisco and can be found online at


Xoom lanza nuevos comerciales hispanos de televisión como parte de su campaña de publicidad “Una mejor opción”

“No hablo español” y “Ruleta” se suman al galardonado repertorio de anuncios latinoamericanos de Xoom

SAN FRANCISCO (CA), 7 de noviembre del 2013. Xoom Corporation (NASDAQ: XOOM), proveedor líder de envíos de dinero, ha presentado dos nuevos comerciales de televisión para el mercado latinoamericano, como parte de la campaña “Una mejor opción”, introducida en el 2011.

El primer comercial, titulado “No hablo español”, muestra a un hombre frustrado, Oscar, que va a una tienda para enviar dinero a su país, pero lo recibe una agente de envíos de dinero que le dice “Umm, what?” seguido de “Sorry, no hablo español”, al tiempo que masca y juega con un chicle, por lo que Oscar queda completamente desatendido. Más adelante, Oscar llega a su casa y encuentra a su esposa, Olivia, sentada en la mesa frente a su portátil, enviando dinero por medio de Olivia le dice a Oscar: “Usa, que está en español”.

El segundo comercial, “Ruleta”, presenta de nuevo a Oscar entrando a una tienda para enviar dinero, y le pregunta a la agente: “¿Cuánto cuesta enviar $ 300?”. La agente tiene una ruleta a su lado, con las leyendas “muy caro”, “paga el doble” y, en un panel más pequeño, “gratis”. Oscar gira la rueda, y la rueda se detiene en la leyenda de “paga el doble”, a lo que él reacciona con un gesto de resignación. Ya en casa, Olivia le pregunta a Oscar, “¿Enviaste el dinero?”. Cuando Oscar le cuenta lo que pasó, ella le dice: “La próxima vez, usa”

Enviar dinero a través de es algo realmente mágico y transformador, ya que ofrece a los remitentes la experiencia de un servicio seguro, a la mano, rápido y al precio justo”, dice Julian King, Vicepresidente Senior de Mercadeo y Desarrollo Corporativo de Xoom, y agrega, “con estos dos nuevos anuncios podemos transmitir estos mensajes con personajes agradables que están en sintonía con los consumidores”.

“La campaña “Una mejor opción” se lanzó en noviembre del 2011 con más de una docena de comerciales innovadores que han salido al aire en estos últimos dos años”, añadió King. El pasado otoño, Xoom ganó oro en los Premios ANA de Excelencia Multicultural con “Salva a los cerdos” como mejor campaña desarrollada para llegar a los consumidores hispanos.

“No hablo español” y “Ruleta” son los más recientes anuncios de televisión de Xoom dirigidos a la audiencia hispana. Los comerciales se transmitirán hasta finales de año en los principales canales de televisión en español.

Acerca de Xoom
Xoom es un proveedor de envíos de dinero por Internet, dedicado a ayudar a los consumidores a enviar dinero de manera segura, rápida y económica con su celular, tableta o computadora. Durante los 12 meses que concluyeron el 30 de septiembre del 2013, los más de 997.000 clientes activos de Xoom enviaron más de $ 5.100 millones a familiares y amigos en 30 países. La compañía tiene sede en San Francisco, y su sito web es


Bayad Center Joins Xoom’s Payout Network for Money Transfers to the Philippines

Filipino Xoom Customers can receive their cash at the leading bill payment company in the Philippines 

SAN FRANCISCO, CA, November 4, 2013 – Xoom Corporation (NASDAQ: XOOM), a leading digital money transfer provider, and Bayad Center, the leading over-the-counter multiple bills payment center in the Philippines, now offer international money transfer services at Bayad Center locations throughout the Philippines.

“Bayad Center is a well known brand and many Filipinos pay their bills at Bayad Centers, making this a very convenient way for Xoom customers to pick up cash,” says Julian King, Xoom’s Senior Vice President of Marketing and Corporate Development. “Both Xoom and Bayad Center are committed to excellent customer service, reliability and convenience.  Bayad Center is a great addition to Xoom’s Philippines network.”

Beginning November 4, Xoom customers can send money for cash pickup at more than 200 Bayad Center locations, generally open Monday to Friday from 8:00 AM to 5:00 PM and on Saturdays from 8:00 AM to 4:00 PM.  The addition of Bayad Center increases Xoom cash pick up locations to more than 13,500 in the Philippines.

About Xoom
Xoom is a leading digital money transfer provider, focused on helping consumers send money in a secure, fast and cost-effective way using their mobile phone, tablet or computer. During the 12 month period ended September 30, 2013, Xoom’s more than 997,000 active customers sent more than $5.1 billion to family and friends in 30 countries. The company is headquartered in San Francisco and can be found online at

About Bayad Center
Bayad Center is Philippine’s pioneer and leader in the Outsourced Payment Collection Industry. Now, more than ever, Bayad Center continues to blaze the trail in the industry by providing a dependable bills collection solution to its corporate partners, creating business opportunities for its franchisees, and offering the public a reliable and convenient bills payment service.  Bayad Center is a member of the two major franchise organizations in the Philippines, namely: Philippine Franchise Association (PFA) and the Association of Filipino Franchisers, Inc. (AFFI).


Yuvraj Singh – Team India’s Role Model and Hero

Portrait of young man in Indian cricket team jersey holding national flag over white background

Yuvraj Singh isn’t just a powerful, 31-year-old left-handed batsman or a tricky bowler or one of Team India’s best players, he’s much more than that.  India’s cricket fans recognize him for what he is – a role model and a hero.  Not only because he’s starring in cricket, but also because he battled through three cycles of chemotherapy for a cancerous tumor in his left lung.

Singh’s cancer was discovered in 2011 and since then, he has become a leading crusader for cancer awareness.  Doctors have told Singh that chances of the cancer returning are very slim and Singh is lending his voice in the mission to diminish the impact of cancer on everyone.  In September, he helped the launch of a mobile cancer detection unit in Bangalore.  Singh also attended a cancer awareness rally in Kolkata recently with Bollywood actress Manisha Koirala.

He said he was determined to come back to cricket.

“It is the passion to come back,” Singh said. “If you have the passion, you can come back. This is the reason I am back. Hopefully, I can play a few more years for the country.”

Singh’s talents, in support of Team India, may be on display when Team India plays its first test match against the West Indies on Nov. 5.  Watch all of Team India’s matches on Willow TV for the rest of the year and all you have to do is send your first Xoom money transfer of $150 or more.


Team India Takes on Australia in the Seventh and Final One Day International (ODI)

Business man with Indian flag t-shirt

It is once again cricket as usual for Team India as it takes on Australia in the seventh and final One Day International (ODI) on Nov. 2 at M Chinnaswamy Stadium in Bengaluru.

The last match of Team Australia’s tour of India showcases two of cricket’s global powerhouses and should shine the direction of the spotlight back on the pitch, relegating to the background the spot-fixing scandal that led to lifetime bans for two players in September by the Board of Cricket Control in India.  The scandal occurred in last year’s Indian Premier League.

Fans of Team India are celebrating the 30th anniversary this year of one of the biggest upsets in Cricket ODIs, the 1983 victory by Team India over the West Indies in the final of the World Cup.

There’s another reason to celebrate.  Watch all the Team India matches on Willow TV for the rest of the year simply by sending your first Xoom money transfer of $150 or more.

Captained by Mahendra Singh Dhonai and led by left-handed batsman Yuvraj Singh, Team India is the reigning champion in the 50-over format, but has had its hands full with Australia, which is wrapping up its 24-day tour against Team India.