Wise vs Xoom (PayPal): which is better? Comparison 2026
By our public methodology Wise scores 75 out of 100 and Xoom (PayPal) scores 74. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Wise | Xoom (PayPal) | |
|---|---|---|
| Cost | 85 | 20 |
| Reach | 47 | 97 |
| Speed | 100 | 100 |
| Safety | 69 | 100 |
| User reputation | 77 | 91 |
Pros and cons
Wise
- On some routes money arrives within minutes or the same day
- Regulator licence or registration stated on the official site
- Converts at the mid-market rate with no markup
- Sends to a large number of countries
Xoom (PayPal)
- On some routes money arrives within minutes or the same day
- Regulator licence or registration stated on the official site
- Sends to a large number of countries
- Highly rated by App Store users
- The exchange rate includes a markup over the market rate
Facts side by side
| Fact | Wise | Xoom (PayPal) |
|---|---|---|
| Fee to send 1,000 USD (US → Mexico) | $7.67 wise.com | Not verified |
| Discloses earnings on the exchange rate | Yes wise.com | Yes xoom.com |
| Mid-market rate with no markup | Yes wise.com | No xoom.com |
| Countries you can send to | 140 wise.com | 144 xoom.com |
| Cash pickup | Not verified | Yes xoom.com |
| Delivery to mobile wallets | Not verified | Yes xoom.com |
| Delivery within minutes or same day | Yes wise.com | Yes xoom.com |
| Licensed by a financial regulator | Yes wise.com | Yes xoom.com |
| Founded | 2011 wise.com | 2001 xoom.com |
| Public company (listed, audited reports) | Not verified | Yes sec.gov |
| App Store rating | 4.6★ itunes.apple.com | 4.8★ itunes.apple.com |
| App Store ratings | 112,946 itunes.apple.com | 1,211,823 itunes.apple.com |
| Parent company | Not verified | PayPal, Inc. xoom.com |
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