Xoom (PayPal) vs Xe: which is better? Comparison 2026
By our public methodology Xoom (PayPal) and Xe score the same — 74 out of 100. Below: where they differ by factor and by fact.
Score breakdown
| Xoom (PayPal) | Xe | |
|---|---|---|
| Cost | 20 | 20 |
| Reach | 97 | 98 |
| Speed | 100 | 100 |
| Safety | 100 | 100 |
| User reputation | 91 | 87 |
Pros and cons
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
Xe
- 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 | Xoom (PayPal) | Xe |
|---|---|---|
| Discloses earnings on the exchange rate | Yes xoom.com | Yes xe.com |
| Mid-market rate with no markup | No xoom.com | No xe.com |
| Countries you can send to | 144 xoom.com | 170 xe.com |
| Cash pickup | Yes xoom.com | Yes xe.com |
| Delivery to mobile wallets | Yes xoom.com | Yes xe.com |
| Delivery within minutes or same day | Yes xoom.com | Yes xe.com |
| Licensed by a financial regulator | Yes xoom.com | Yes xe.com |
| Founded | 2001 xoom.com | 1993 xe.com |
| Public company (listed, audited reports) | Yes sec.gov | Yes xe.com |
| App Store rating | 4.8★ itunes.apple.com | 4.8★ itunes.apple.com |
| App Store ratings | 1,211,823 itunes.apple.com | 127,990 itunes.apple.com |
| Parent company | PayPal, Inc. xoom.com | Euronet Worldwide xe.com |
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