Is Remitly or Xoom cheaper?

Today on a USD 1,000 transfer to INR, Xoom delivers 311 INR more than Remitly. The winner can flip on different corridors and amounts — always check the live comparison on the corridor page before transferring.

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?

For this corridor today, Remitly reports minutes and Xoom reports minutes. Speed depends on payment method and the recipient's bank — debit-card-funded transfers typically clear faster than ACH.

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?

Right now, Remitly's rate is 93.7933 INR per USD and Xoom's rate is 94.1042. Rates change throughout the day — the best move is to compare the *recipient amount* (rate plus any margin minus fees), which is what the table above shows.

Remitly vs Xoom

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

Rates verified 14:27 UTC · refreshed every 5 min

Today's verdict for USD 1,000 → INR

Xoom wins by INR 311

Xoom delivers INR 94,104, compared with Remitly at INR 93,793. Verdicts can flip on different corridors and amounts — always check the live corridor page before transferring.

Tiered fee + rate markup

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

Fee: Free
Rate: 93.7933
Speed: Minutes
Recipient gets: INR 93,793

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

Winner today

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

Fee: Free
Rate: 94.1042
Speed: Minutes
Recipient gets: INR 94,104

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	Free
Live USD→INR rate	93.7933	94.1042
Recipient gets (USD 1,000)	INR 93,793	INR 94,104
Typical speed	Minutes	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 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.