Xoom is PayPal's remittance brand; Remitly is a standalone remittance fintech. Both serve overlapping US-outbound corridors with bank deposit, cash pickup and mobile-wallet payout options.
Fees — Xoom (PayPal): Pricing by corridor, payout method and funding source. PayPal-balance funding is typically cheapest.
Fees — Remitly: Express / Economy two-tier pricing.
Speed — Xoom (PayPal): Minutes (local rails) to days (SWIFT-routed bank deposit).
Speed — Remitly: Express: minutes. Economy: 1-5 days.
Best for — Xoom (PayPal): PayPal users wanting to send from PayPal balance, corridors where Xoom has strong local-rail partnerships.
Best for — Remitly: Customers wanting flexibility between speed and price via the Express/Economy tiers.
Bottom line: Quote both. Xoom is often competitive when funded from PayPal balance; Remitly Economy is often the cheapest absolute option.
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