Xoom Limits [2025]: Full Guide
Xoom – part of the PayPal family – offers money transfer services for customers in the US, Canada, UK and EEA, to bank accounts and for cash collection in a huge range of countries and currencies. If you want to use Xoom to send money to someone abroad you’ll need to understand how Xoom payment limits work, and how to increase them if you need to.
This guide explores how the Xoom transfer limit is set, how to send a payment, and some alternatives like Wise and OFX which you may want to consider, for sending low cost international payments to bank accounts around the world.
Quick summary: Xoom transfer limits
- Xoom transfer limits are set per 24 hours, 30 days and 180 days, and vary according to the account level you have, and the country you register in
- Other limits may apply based on the specific way you pay, and the way your recipient gets the money – lower limits may apply for cash pick up services
- You may be able to increase your sending limit by moving your Xoom account to a higher level, by submitting additional documents and information to Xoom
- Xoom transfer prices and delivery times vary based on the details of the payment, including the value, currency, destination and payment method
- If you’re sending money to a bank account overseas, you may find you can send a higher amount, with lower fees, using an alternative specialist provider like Wise or OFX
| Xoom transfer limits overview | |
|---|---|
| Xoom daily transfer limit | From 2,999 USD for Level 1 accounts, to 50,000 USD for Level 3 accounts – lower limits may apply for cash pick up services |
| Xoom monthly limit | From 6,000 USD for Level 1 accounts, to 60,000 USD for Level 3 accounts – lower limits may apply for cash pick up services |
| Xoom receiving limit | Receiving limits apply based on the sender’s Xoom account limit, and the country of the sender |
*Details correct at time of research – 3rd April 2025
Does Xoom have limits?
Yes. There’s a Xoom transfer limit on the amount of money you can send in a day, a month, or in a 6 month period. The Xoom maximum transfer amount also depends on your account level.
We’ll explore the Xoom bank transfer limit, and the Xoom cash pay out limits, in depth in this guide.
Is Xoom safe for large amounts?
Xoom is part of the PayPal group, a leader in secure payment processing. Xoom is safe to use as long as you apply normal common sense precautions and use your account within the Xoom user guidelines.
Xoom uses industry level security measures to keep customers and their money safe, such as secure encryption, and regular safety audits.
How much money can I send through Xoom?
As we’ve seen, the amount you can send in any given period of time depends on your Xoom account level. There are 3 Xoom account levels, with the lowest maximum limits set for level one accounts, rising to the highest available limits for level 3 accounts.
The amount you send may also be affected by the specific way you pay for your transfer, and how you want the recipient to receive the money in the end. For some account types, there are lower limits for the amount of money you can send for cash collection compared to other pay out options like bank deposit.
It’s also good to know that there are Xoom receiving limits, which vary based on the account tier of the sender and the aggregate amount you’re sent from all Xoom users over the course of a day, a month and a 6 month period.
Xoom transfer limits
Let’s look at the Xoom transfer limits in more detail. We’ll cover how to move your Xoom account from one level to another if you want to increase your Xoom maximum transfer amount, a little later on.
| Xoom account level | Xoom transfer limit – 24 hours | Xoom transfer limit – 30 days | Xoom transfer limit – 180 days |
|---|---|---|---|
| 1 | 2,999 USD | 6,000 USD | 9,999 USD |
| 2 | 10,000 USD | 20,000 USD | 30,000 USD |
| 3 | 50,000 USD Lower limits of 10,000+ USD may apply for cash pay out transactions | 60,000 USD Lower limits of 20,000+ USD may apply for cash pay out transactions | 100,000 USD Lower limits of 50,000+ USD may apply for cash pay out transactions |
*Details correct at time of research – 3rd April 2025
Alternatives to Xoom with higher limits
Whether or not Xoom suits you may depend on your account tier and the country you’re sending money to. If you’re sending a payment to a bank account, you may want to compare your options with other providers to see which offers the best available exchange rate, transfer fee and delivery speed.
Here we’ve picked out 3 Xoom alternatives – Wise, OFX and Xe Money Transfer – which you can also consider for your next international payment.
| Providers | International transfer limits | Coverage | Transfer methods | Transfer fees & exchange rates |
|---|---|---|---|---|
| Xoom | Variable limits based on account level | Send to a very broad selection of countries | Bank account, debit or credit card, PayPal balance | Variable fees, exchange rates include a markup |
| Wise | Up to 1 million USD per payment* | Send payments to 140+ countries, in 50+ currencies | ACH, wire, debit or credit card, SWIFT, Wise account balance | Mid market exchange rates, with low, transparent fees Discounted fees on transfers over 20,000 GBP/month (about 25,000 USD/month) |
| OFX | Usually unlimited | Send payments to 170+ countries | ACH and wire – other methods may be available depending on your transfer requirements | No fees, exchange rates include a markup |
| Xe Money Transfer | 500,000 USD per payment | Send payments to 130+ countries | Bank transfer or card | Variable fees, exchange rates include a markup |
*Details correct at time of research – 3rd April 2025. Some other limits may apply depending on the details of the transfer
About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information
Wise
Wise is a specialist in international transfers and multi-currency accounts for personal and business customers. Wise offers low cost currency conversion and cross border payments to 140+ countries.
Wise payment limits are high – usually around 1 million USD – and there are fee discounts on high value payments over 20,000 GBP which is around 25,000 USD or so.
- Send payments to 140+ countries, in 50+ currencies
- Currency conversion uses the mid-market exchange rate with low, transparent fees for payments
- Discounted fees on higher value transfers, or if you may multiple transfers in a month which aggregate over around 25,000 USD in value. Learn more about it on our Wise large transfers guide.
Wise limits when sending from major currencies:
| Sending payments from | Wise Transfer Limit |
|---|---|
| USD | Up to 1 million USD in most cases |
| GBP | Up to 1 million GBP |
| EUR | Up to 1.2 million EUR |
OFX
OFX is well known for great customer service, and offers a 24/7 phone service to customers around the world.
OFX personal and business customers can make international transfers to 170+ countries, and access currency risk management products too. Payments are usually unlimited, with no transfer fee – an exchange rate markup will apply.
- Send to a huge range of 170+ countries
- 24/7 personal phone service
- One off and recurring international transfers available
OFX does not usually have any transfer limits when sending money abroad.
Xe Money Transfer
Xe Money Transfer lets you send a payment online or in app to 130+ countries from the US, for personal or business use.
Xe has a fixed limit of 500,000 USD or the currency equivalent per personal payment when sending from the US. This limit does not apply on business transfers.
- Send up to 500,000 USD in a single online payment
- Payments available to 130+ countries
- Pay by bank transfer or with a card
Xe Money Transfer Limits when sending from major currencies:
| Sending payments from | Xe Money Transfer Limit |
|---|---|
| USD | 500,000 USD |
| GBP | 375,000 GBP |
| EUR | 375,000 EUR |
Learn more on our Xe money transfer limits guide.
Is it possible to increase Xoom transfer limits?
Yes. The highest limits from Xoom are offered to Level 3 account holders.
If you have a Level 1 or 2 account with Xoom you can increase your transfer limit by switching your account to a higher level.
How to increase Xoom transfer limits
If you start to arrange a payment which exceeds your Xoom account level maximum payment amount, you won’t be able to send it. Instead, if you have a level 1 or 2 account, you’ll be shown steps on screen to allow you to move your account to a higher tier. Xoom will communicate with you using secure messages through this process, and may also email you if you are required to give more information or documents.
Once you’ve provided the information needed, and submitted any documents requested, you’ll need to wait for Xoom to verify your details and change your account level. This may take a day or two, but you can reach out to the Xoom customer service team if you need any further support during that time.
Here’s the information and documents needed for each Xoom account level:
| Xoom account level | Documents or information required |
|---|---|
| 1 | Personal and contact information, as required in your profile |
| 2 | As level 1, plus your Social Security number or passport You may need to answer additional questions following prompts on the Xoom website |
| 3 | As level 2, plus:
You may need to answer additional questions through email, or by following prompts on the Xoom website |
How to send high amount transfers with Xoom
You arrange your Xoom payments online or in the Xoom app, by creating an account, getting verified if needed, and then entering the details of your payment. If you’re sending a smaller amount and only need a level 1 account, all you need is your personal and contact information. For higher amounts you may need to give more information or upload documents as we’ve seen. Verification may take a day or two, so be sure to give yourself time for this step if you’re sending a higher value payment with Xoom.
Once you have your account registered, you can send a payment with Xoom in the following way:
- Log into your Xoom account online or in the app
- Select the country and currency you’re sending to from the drop down box
- Enter the amount to send and select how you want the payment to be received
- Confirm how you want to pay, to see the final costs and received amount
- Follow prompts to enter the information required about the recipient
- Check everything over and confirm once you’re happy with the details
Required information and documents for Xoom transfers
Here’s the information needed when you send a Xoom payment to a bank account:
- Recipient’s bank name
- Recipient’s bank account number or IBAN
- Recipient’s bank BIC/SWIFT code
- Recipient’s name and phone number
- Recipient’s address may also be required
If you’re sending money for cash collection, you’ll need the recipient’s full name as shown on a government issued ID document. Once you’ve processed the payment you’re given a reference number.
The recipient will need to take the reference number and their ID to the collection point to get their cash. In some cases additional documents are required – this varies by country.
Xoom large transfer fees
Xoom transfer fees are variable and depend on a range of factors including the currency you’re sending to, the amount of the payment, and how the payment will be received in the end. You’ll be shown the transfer fee when you set up your transfer in the Xoom app or on the Xoom desktop site.
It’s good to know another couple of fees may apply – including an exchange rate markup which we’ll look at in a moment. Aside from this, you may be charged a cash advance fee if you pay by credit card – this is paid to your card network.
If you send to a bank account, the recipient’s own bank may charge a fee – again, this is not paid to Xoom, but can mean your recipient gets less than you expected in the end.
Xoom exchange rate for international transfers
Xoom states that their exchange rates include a spread. This is also known as a markup or margin. The spread is a fee which is built into the rate you’re quoted, and means that Xoom makes money on currency exchange as well as the transfer fee you’re quoted.
This is important because it’s not always easy to see the spread being used. You’ll need to compare the rate you get with Xoom against the mid-market rate which you can find on Google or using a currency conversion tool. The spread is a percentage fee added onto the mid-market rate.
Because it’s a percentage, it can mount up quickly when you send a higher value payment, or if you transfer frequently. Shop around for providers with the best available rate for the specific currency you’re sending, so you know you’re getting a good deal.
How long do large transfers take with Xoom?
Transfers to bank accounts with Xoom can take 2 to 3 business days to arrive – ultimately this depends on the country you’re sending money to and the recipient’s own bank.
If you’re sending money for cash collection this may be available more quickly – in just 30 minutes in some cases.
How to receive large transfers with Xoom
The amount of money you can receive with Xoom depends on the Xoom account levels of the people who sent money to you in a given time period. You can receive money from more than one sender, so this limit is cumulative:
| Xoom account level of senders | Xoom receiving limit – 24 hours | Xoom receiving limit – 30 days | Xoom receiving limit – 180 days |
|---|---|---|---|
| 1 | 15,000 USD | 25,000 USD | 55,000 USD |
| 2 | 15,000 USD | 25,000 USD | 55,000 USD |
| 3 | 75,000 USD | 90,000 USD | 120,000 USD |
*Details correct at time of research – 3rd April 2025
To receive a payment you’ll need to give the sender:
- Your bank name
- Your bank account number or IBAN
- Your bank BIC/SWIFT code
- Your name as show on your account, and your full phone number
- Your address may also be required
Xoom business payments limits
Xoom doesn’t allow business payments. Xoom is intended for person to person payments only and is not for commercial use.
Xoom customer support for high amount transfers
You can email Xoom using a form on the Xoom website, or you can call for support:
Call (877) 815-1531 for support in English, Spanish and Filipino, 7 days a week, 9:00 AM to 9:00 PM Eastern
Conclusion: Does Xoom have transfer limits?
Xoom transfer limits are set per 24 hours, 30 days and 180 days, and vary according to the account level you have, and the country you register in. In the US, you can send up to a daily amount of 2,999 USD for Level 1 accounts, to 50,000 USD for Level 3 accounts – lower limits may apply for cash pick up services. To increase the amount you can send you’ll need to move from Level 1 to Level 2 or 3 by submitting more documents and providing information about yourself and your transaction.
This guide covers all you need to know to get you started with Xoom. Before you send or receive a Xoom payment, compare a few alternative providers like Wise or OFX, to see which can offer you the lowest overall costs and the best exchange rate for your specific payment.
Xoom international transfer limits FAQs
How do I know my Xoom level?
Find your Xoom account level by logging into your account, in your Xoom app. If you start a transfer which is not allowed due to your account level, you’ll also be informed in the app, and offered the opportunity to increase your level where possible.
How much can I transfer with Xoom internationally online?
In the US, you can send up to a daily amount of 2,999 USD for Level 1 accounts, to 50,000 USD for Level 3 accounts – lower limits may apply for cash pick up services. There are also limits per 30 days and 180 days.
What is the maximum amount you can transfer abroad with Xoom?
You’ll need to upgrade your account to a level 3 account with Xoom to be able to send the highest possible amount of 50,000 USD a day to a bank account. You may find you’re limited to sending 10,000 USD for cash collection – other limits also apply based on your monthly and 6 monthly transfers and Xoom partner providers.
How can I increase the Xoom maximum transfer limit?
Upgrade your account to a level 3 account with Xoom to increase your transfer limit. You’ll need to provide your SSN or passport, and other documents which may include a driver’s license, or Green Card , and either a pay stub or a bank statement with Direct Deposit.
