ComplyRemit vs Xoom

Xoom is PayPal's international transfer service. You sign in with a PayPal account, can send to many countries, and can choose cash pickup where it is offered. ComplyRemit is independent of any wallet: you link a US bank account, and the money goes to a bank account or UPI ID in India.

No. You create a ComplyRemit account with your email, verify your identity once, and link a US bank account through Plaid. You pay for transfers from that bank account. You do not top up a wallet balance first, and you connect nothing to PayPal or any other payment app.

Compare the two with the same way of paying. A service that accepts bank accounts, cards and wallet balances can quote differently for each, so choose bank account on both, enter the same dollar amount at the same moment, and compare the rupees each says the recipient will receive.

With ComplyRemit, in the recipient's Indian bank account, identified by account number and IFSC, or at their UPI ID. The recipient collects nothing and does not travel to a branch or an agent. If the person you are sending to needs cash in hand, we do not offer that.

If you already keep a balance in PayPal, or you need cash pickup at a physical location, Xoom is set up for that and we are not.

We publish no exchange rate or fee figures for Xoom on this page. We have no way to source their live pricing, keep it current or date it, and an out-of-date number about a competitor, published by a money transmitter, is worse than no number. Compare the two live quotes instead; our five checks for comparing any two providers take about two minutes.