If you're trying to choose between Xoom, Wise, and Remitly for your next international money transfer, you're comparing three of the most-searched remittance services. Each takes a different approach, so this breakdown covers ratings, exchange rates, fees, speed, and delivery options to help you choose with confidence.

Each has a real, distinct strength. Xoom holds a 4.6 Trustpilot rating and CNBC's “Best for Convenience” pick. Wise uses the mid-market exchange rate, though its transfer fee tends to run higher. Remitly lets you choose between Economy (slower, cheaper) and Express (faster, pricier) transfers.


At a Glance: Xoom, Wise, and Remitly (as of July 2026)

 

Xoom

Wise

Remitly

Trustpilot Rating

4.6 / 5

4.3 / 5

4.6 / 5

Transfer fee

$0 when paying with PYUSD

Variable

Variable

Speed

Typically arrives within minutes for most transfers

1-4 working days when paying with bank

3-6 days when choosing Economy

Cash pickup

Yes

No

Yes

Bill pay

Yes

No

No

Mobile airtime top-up

Yes

No

No

Backed by

PayPal

Public company

Public company


Trustpilot Ratings: How the Three Compare

Trustpilot is one of the most widely used independent review platforms for financial services. With tens of thousands of verified customer reviews, the scores reflect real sending experiences, not marketing claims.

As of July 2026:

Xoom: 4.6 out of 5¹, one of the highest ratings of any major US remittance service with roughly 88% giving 5 stars.

Remitly: 4.6 out of 5², with roughly 83% of reviewers giving 5 stars.

Wise: 4.3 out of 5³, with 80% of reviewers giving 5 stars.


Convenience: Xoom Is Rated Best by CNBC

CNBC Select's 2026 guide to the best international money transfer apps named Xoom “Best for Convenience."⁴

If you already have an account with PayPal, you can start sending with Xoom right away using your PayPal login. There's no new account to create and no payment information to re-enter. Your saved bank accounts and debit or credit cards are ready to use from the first transfer.

Check rates and fees before you commit. You don't need to log in or create an account to see exactly what your recipient will receive. Xoom's rate calculator is available on the homepage and shows the full fee and exchange rate, not an estimate, before you sign up for anything. Wise and Remitly also display rates publicly before account creation.


Fees and Exchange Rates: Comparison

All three services are transparent about pricing, but they structure costs differently.

Wise typically charges a percentage fee depending on the corridor and payment method and uses the mid-market exchange rate. The fee shows up as a line item before you confirm.

Xoom and Remitly both tend to charge lower upfront fees, with some cost built into the exchange rate instead. Xoom charges $0 in transfer fees when you pay with PYUSD.⁵ The exchange rate may include a margin, but the rate, fees, and amount your recipient will receive are shown before you confirm.


Speed: Xoom and Remitly Express Are Fast

Xoom processes most transactions sending to a bank account typically in minutes. Cash pickup is typically available in minutes at thousands of locations.

Remitly Express delivers in minutes to hours, but it costs more per transfer than Economy. Remitly Economy takes 3 to 6 days.⁶

Wise typically takes 1 to 4 working days for most corridors when paying with a bank account.


Delivery Options: Xoom Offers the Most Ways to Receive

Xoom supports more delivery methods than either competitor:

Xoom supports sending to a bank account, cash pickup at thousands of locations, UPI transfers (for India), mobile wallet delivery, home delivery in select countries, bill payment (utilities, rent, and services directly in the recipient's country), and mobile airtime top-up (adding credit to a family member's phone). Bill pay and airtime top-up aren't available on Wise⁷ or Remitly.⁸


Remitly supports bank deposit, cash pickup, mobile wallet, and home delivery in select markets.⁸

Wise supports bank deposit and some wallet transfers, but doesn't offer cash pickup, bill pay, or mobile airtime.⁷

For senders who need to pay a relative's electricity bill or top up their phone, Xoom is the only option of the three.


Who Each Service Is Best For

Choose Xoom if you already use PayPal, you want a service with a 4.6 Trustpilot rating, you need speed and convenience, you want to pay a bill or top up airtime abroad, or you want to check your rate before creating an account.

Choose Wise if the mid-market exchange rate is your top priority and you're comfortable with its 1-4 working day transfer time and a larger transfer fee.

Choose Remitly who also has a 4.6 Trustpilot rating, if Xoom doesn't support your specific destination country.


Bottom Line

For most US senders, Xoom checks the most boxes in 2026: it holds a 4.6 Trustpilot rating, is named Best for Convenience by CNBC, offers $0 transfer fees when paying with PYUSD, processes most transfers typically in minutes, and gives you more ways to deliver money than either Wise or Remitly. If you already use PayPal, you can start your first transfer in minutes.

If maximizing the exchange rate matters more than anything else, Wise is worth comparing. If you need to send to a country Xoom doesn't support, Remitly may be the better fit. But on trust, ease, and speed, the numbers above (a 4.6 Trustpilot rating, fast transfers, and the most delivery options) favor Xoom.


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Frequently Asked Questions

How do they stack up?

It depends on your priority. Xoom is rated slightly higher on Trustpilot (4.6 vs 4.3) and is named Best for Convenience by CNBC. For most everyday senders, especially PayPal users, Xoom is faster and easier to get started with.

Both currently hold the same 4.6 Trustpilot rating. Xoom has more delivery options, including bill payment and mobile airtime top-up, which Remitly doesn't offer, and it delivers most transfers in minutes without requiring a premium speed tier. Remitly may still be the better pick if it supports a destination country Xoom doesn't.


Does Xoom have a high Trustpilot rating?

Yes. As of July 2026, Xoom is rated 4.6 out of 5 on Trustpilot. Remitly is also rated 4.6, and Wise is rated 4.3.


What did CNBC say about Xoom?

CNBC Select named Xoom “Best for Convenience” in its 2026 guide to the best international money transfer apps. The recognition reflects Xoom's integration with PayPal (existing PayPal users can send using their existing account) along with its speed, delivery options, and transparent upfront pricing.⁹


Can I check Xoom's rates without creating an account?

Yes. Xoom's rate calculator is publicly available on the homepage. Enter the amount you want to send and your destination country, and you'll see exactly what your recipient will receive, including the fee and exchange rate, before signing up or logging in.


Which service is cheapest for sending money internationally?

It depends on the corridor and your priorities. Wise uses the mid-market exchange rate with a percentage fee. Xoom charges $0 transfer fees when paying with PYUSD* and shows the rate, fees, and amount your recipient will receive upfront. Remitly's total cost varies based on corridor and delivery speed.


* Must be in the US, have linked your Xoom account and your PayPal Balance account, and your PayPal Balance account is provisioned for crypto.

The PYUSD in your Balance account must meet or exceed the amount of the Xoom transaction to show up as a payment method on Xoom. PYUSD may not be available as a payment method for all Xoom transactions.


Sources

1. Xoom, A PayPal Service Reviews, accessed July 15, 2026. https://www.trustpilot.com/review/www.xoom.com.

2. Remitly Reviews, accessed July 2026. https://www.trustpilot.com/review/remitly.com.

3. Wise Reviews, accessed July 2026. https://www.trustpilot.com/review/wise.com

4. Best International Money Transfer Apps of 2026, updated May 1, 2026. https://www.cnbc.com/select/best-international-money-transfer-app/

5. What are the fees to use Xoom?, https://help.xoom.com/s/article/how-much-does-it-cost-to-send-with-xoom

6. Remitly Economy bank-account transfers are shown to deliver in 3 to 6 days. Source: Remitly's own checkout screen, supplied internally for this article (July 2026).

7. Xoom vs Wise: Which One Is Better for Americans, September 2025. https://wise.com/us/blog/xoom-vs-wise

8. Remitly.com product pages, accessed July 2026. https://www.remitly.com/

9. Best International Money Transfer Apps of 2026, updated May 1, 2026. https://www.cnbc.com/select/best-international-money-transfer-app/