Last reviewed: · Curated by Ohmyfin Organisation editorial.
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.
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.
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.
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.
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.
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.
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.
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.
Yes — Xoom integrates with PayPal so you can fund transfers from PayPal balance, linked bank, or card. PayPal balance is the cheapest funding source.
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.
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.
Yes for SWIFT-routed transfers with a UETR — 5 free lookups per IP per day.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
Sign up free — get 100 credits Or try the tracker now →