Is Remitly or Xoom cheaper?

Cost varies by corridor and amount. Compare both on the corridor page above for live rates, fees, and recipient amounts.

What's the main difference between Remitly and Xoom?

Remitly (Tiered fee + rate markup): Cash pickup, mobile wallet, and bank deposit options with a price guarantee. Xoom (Flat fee + rate markup): PayPal-owned remittance service with deep cash pickup and bank network coverage.

Which is faster, Remitly or Xoom?

Both providers offer same-day or faster options for popular corridors. Cash-pickup networks (MoneyGram, Western Union, Xoom) usually clear in minutes; bank transfers can take 1–3 business days.

Which is safer, Remitly or Xoom?

Both are licensed money services businesses. Remitly is regulated in USA, UK, EU. Xoom is regulated in USA, UK, Canada. As long as you transfer through their official site or app, both are safe to use.

Does Remitly or Xoom offer better exchange rates?

Rate competitiveness varies. Remitly markets tiered fee + rate markup, while Xoom uses flat fee + rate markup. The recipient amount is the only fair comparison — see the corridor page for live numbers.

Remitly vs Xoom

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

Reviewed by Aayush Jain·Updated Aug 2026·Rates verified 23:19 UTC

Live data temporarily unavailable for this comparison. See the corridor page for full live numbers.

Tiered fee + rate markup

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

Fee: Free
Rate: 95.6720
Speed: Minutes
Recipient gets: INR 95,672

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

Flat fee + rate markup

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

Live data unavailable.

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

Spec	Remitly	Xoom
Fee model	Tiered fee + rate markup	Flat fee + rate markup
Headquarters	Seattle, WA, USA	San Francisco, CA, USA
Founded	2011	2001
Status	Public (NASDAQ: RELY)	Owned by PayPal Holdings
Live USD→INR fee	Free	—
Live USD→INR rate	95.6720	—
Recipient gets (USD 1,000)	INR 95,672	—
Typical speed	Minutes	—
Top corridors	USD→INR, USD→PHP, USD→MXN	USD→INR, USD→PHP, USD→MXN

User reviews

Remitly

Read reviews on Trustpilot

Xoom

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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 Revolut →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.