Xoom (a PayPal service) — How to Track Your International Transfer
Xoom is PayPal's digital remittance arm, focused on US-outbound and select inbound corridors. Most transfers settle via local partner-bank rails, not SWIFT. Xoom's tracking page tops out at "Deposited" — for SWIFT-routed bank deposits, Ohmyfin shows the actual correspondent-bank chain if the receiving account hasn't been credited yet.
Details
What is Xoom? Xoom is PayPal's digital remittance arm, focused on US-outbound and select inbound corridors. Most transfers settle via local partner-bank rails, not SWIFT.
How Xoom settles cross-border payments: Local partner-bank rails in destination countries; SWIFT for some bank-deposit corridors. Funded from PayPal balance, bank account, or card. This means Xoom sometimes uses SWIFT. Larger bank-deposit transfers and some corridors without a Xoom local partner.
Tracking a Xoom transfer: Transaction Number (16-digit) for in-app tracking. UETR available for SWIFT-routed bank deposits via Xoom support.
Xoom pricing — $0-30 per transfer + FX spread of 1-4%. Free funding from bank; card funding adds 2.9% + fixed.. Typical speed — Minutes to 4 business days depending on corridor and delivery type.. Coverage — 160+ countries..
Why Ohmyfin matters for Xoom users: Xoom's tracking page tops out at "Deposited" — for SWIFT-routed bank deposits, Ohmyfin shows the actual correspondent-bank chain if the receiving account hasn't been credited yet. Ohmyfin is an independent payment-status search service — we are not affiliated with Xoom in any way, and we do not need access to your Xoom account. Free for ordinary users worldwide.
Key facts
- Category: Digital remittance (PayPal subsidiary)
- Founded: 2001, San Francisco
- HQ: San Francisco, USA (owned by PayPal Holdings since 2015)
- Uses SWIFT: sometimes (Larger bank-deposit transfers and some corridors without a Xoom local partner)
- Typical fees: $0-30 per transfer + FX spread of 1-4%. Free funding from bank; card funding adds 2.9% + fixed.
- Typical speed: Minutes to 4 business days depending on corridor and delivery type.
- Coverage: 160+ countries.
- Track on Ohmyfin: paste UETR on the homepage (free, no account needed)
Frequently asked questions
Does Xoom use SWIFT?
Some corridors, yes — particularly large bank-deposit transfers and destinations without a Xoom local partner. Most Xoom transfers settle on local rails (UPI to India, GCash to Philippines, etc.) and don't use SWIFT.
How do I track a Xoom transfer?
In the Xoom app: Activity → tap transfer → Transaction Number is shown. For SWIFT-routed transfers, request the UETR from Xoom customer support, then paste into Ohmyfin for live SWIFT status.
Why doesn't my Xoom transfer have a UETR?
Because it settled on local rails, not SWIFT. UPI, Pix, SEPA Instant, and many mobile-wallet rails have their own reference formats but no SWIFT UETR.
Is Xoom cheaper than wiring through my bank?
Often yes for small-to-medium amounts. Compare your bank's wire fee plus FX spread (commonly $15-50 fixed plus 3-5% FX at major US banks) to Xoom's posted fee and FX margin at checkout.
Can I cancel a Xoom transfer?
Yes if it's still in "Pending" status. Once it shows "Deposited" or "Picked Up", cancellation depends on whether the funds can be recalled from the destination — Xoom support will investigate.
How long does a Xoom bank deposit take?
US → Mexico, Philippines, India: typically minutes to hours via local rails. US → other countries via SWIFT: 1-4 business days. Xoom shows an estimated arrival time at checkout.
Can Xoom send from my PayPal balance?
Yes — Xoom integrates with PayPal so you can fund transfers from PayPal balance, linked bank, or card. PayPal balance is the cheapest funding source.
What's the difference between Xoom and PayPal cross-border?
PayPal lets you send to another PayPal account internationally (recipient must have PayPal). Xoom sends to a bank account, mobile wallet, or cash-pickup location — no recipient PayPal needed.
Does Xoom offer cash pickup?
Yes in many countries — pickup at partner locations (e.g. Western Union, BancNet, RD Pawnshop in Philippines). Cash pickup uses Xoom's internal network, not SWIFT.
Is Ohmyfin Xoom tracking free?
Yes for SWIFT-routed transfers with a UETR — completely free for individuals — 10 free trackings/day per IP, no signup, no card required.
Related — more from money-transfer provider guides and beyond
Get 100 free credits — track unlimited SWIFT payments
No card needed. Free for ordinary users — 10 free trackings per day per IP, no signup required. Track any international wire across 11,000+ banks.
Track a payment now — completely free Or try the tracker now →