Is Revolut 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 Revolut and Xoom?

Revolut (Free tier + premium subscriptions): Neobank with multi-currency accounts, mid-market FX up to monthly limits, and a global Visa/Mastercard. Xoom (Flat fee + rate markup): PayPal-owned remittance service with deep cash pickup and bank network coverage.

Which is faster, Revolut 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, Revolut or Xoom?

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

Does Revolut or Xoom offer better exchange rates?

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

Revolut vs Xoom

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

Rates verified 05:45 UTC · refreshed every 5 min

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

Free tier + premium subscriptions

Neobank with multi-currency accounts, mid-market FX up to monthly limits, and a global Visa/Mastercard.

Live data unavailable.

Founded 2015

London, UK

Pros

Hold balances in 30+ currencies in a single account
Mid-market FX up to monthly free limit — best for occasional travel and small transfers
Strong mobile app with budgeting, savings, and crypto features

Cons

Free FX limits cap usefulness — heavy users hit the cap quickly
Weekend FX surcharge (0.5–1%) is annoying for active users
Customer support has historically been chat-only and slow

Try Revolut

Flat fee + rate markup

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

Fee: Free
Rate: 94.1432
Speed: Minutes
Recipient gets: INR 94,143

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	Revolut	Xoom
Fee model	Free tier + premium subscriptions	Flat fee + rate markup
Headquarters	London, UK	San Francisco, CA, USA
Founded	2015	2001
Status	Private (~$45B valuation, Bank of Lithuania licensed)	Owned by PayPal Holdings
Live USD→INR fee	—	Free
Live USD→INR rate	—	94.1432
Recipient gets (USD 1,000)	—	INR 94,143
Typical speed	—	Minutes
Top corridors	GBP→EUR, USD→EUR, GBP→USD	USD→INR, USD→PHP, USD→MXN

User reviews

Revolut

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 →Remitly vs Xoom →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.