ForexFee

Remitly vs Xoom

Live fee, exchange rate and recipient amount comparison for USD → INR. Pros, cons and licensing in one view.

Today's verdict for USD 1,000 → INR

Remitly wins by INR 168

Remitly delivers INR 94,922, compared with Xoom at INR 94,754. Verdicts can flip on different corridors and amounts — always check the live corridor page before transferring.

R
Remitly

Tiered fee + rate markup

Winner today

Cash pickup, mobile wallet, and bank deposit options with a price guarantee.

Fee
Free
Rate
94.9220
Speed
Minutes
Recipient gets
INR 94,922
Founded 2011
Seattle, WA, USA

Pros

  • Cash pickup at thousands of locations across India, the Philippines and LatAm
  • Price-lock guarantee — quoted rate honoured even if it moves
  • Strong mobile app, easy first-time setup

Cons

  • Exchange rate includes a markup
  • Express tier costs significantly more than Economy
  • Customer support response times can vary
Try Remitly
X
Xoom

Flat fee + rate markup

PayPal-owned remittance service with deep cash pickup and bank network coverage.

Fee
Free
Rate
94.7541
Speed
Minutes
Recipient gets
INR 94,754
Founded 2001
San Francisco, CA, USA

Pros

  • Backed by PayPal — login and pay with existing PayPal balance
  • Cash pickup at thousands of locations worldwide
  • Reload mobile minutes and pay bills in some destination countries

Cons

  • Fees vary widely by payment method (bank cheaper than card)
  • Exchange rate margin can be larger than dedicated MTOs like Wise
  • Limits on send amount per period
Try Xoom

Side-by-side comparison

SpecRemitlyXoom
Fee modelTiered fee + rate markupFlat fee + rate markup
HeadquartersSeattle, WA, USASan Francisco, CA, USA
Founded20112001
StatusPublic (NASDAQ: RELY)Owned by PayPal Holdings
Live USD→INR feeFreeFree
Live USD→INR rate94.922094.7541
Recipient gets (USD 1,000)INR 94,922INR 94,754
Typical speedMinutesMinutes
Top corridorsUSD→INR, USD→PHP, USD→MXNUSD→INR, USD→PHP, USD→MXN

User reviews

Remitly

Read reviews on Trustpilot

Xoom

Read reviews on Trustpilot

We don't host our own reviews — we link to Trustpilot so the rating isn't influenced by us.

Frequently asked questions

Other comparisons

Wise vs Remitly →Wise vs Xoom →Wise vs MoneyGram →Wise vs Western Union →Western Union vs MoneyGram →

Live quotes from Wise's public comparison API, updated every 5 minutes. Provider profiles are based on public information; for pricing, KYC requirements and current promotions always check the provider's official site. Methodology.