Xoom transfer limits [2025]

Xoom is a money transfer service that lets you send funds internationally to friends and family. If you're planning to use Xoom for your next transfer, you're probably wondering about Xoom money transfer limits and what restrictions might apply to your transaction.

Xoom has 3 different sending levels, each with specific 24-hour, 30-day, and 180-day limits.¹

Your Xoom transfer limit also depends on where you live and how you send money to your recipient (for example, cash pickups have lower limits). Here's what the Xoom money transfer limits are for US residents.

We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.

Learn more 🔎

Xoom transfer limits overview

With Xoom's 3-level system, each level has higher sending limits, but you'll need to pass additional verification requirements. Here's how the levels break down¹:

Level 1 is what you automatically get with basic profile information. However, you won't be able to send more than 9,999 USD within 6 months, which is limiting if you need to send money abroad regularly or if you have one big transaction.

💡 To get to higher levels, you'll need to answer verification questions online and provide certain documents, including your Social Security number, passport, driver's license, Green Card, or even pay stubs/bank statements, depending on the amount you're trying to send.

What is Xoom’s monthly transfer limit?

Your Xoom transfer limit per month depends on your sending level:¹

• Level 1: 6,000 USD per 30-day period
• Level 2: 20,000 USD per 30-day period
• Level 3: 60,000 USD per 30-day period (or 20,000 USD for cash pickup)

These limits reset on a rolling 30-day basis, not on calendar months. In other words, your available limit replenishes based on when you made previous transfers, not on the 1st of every month.

What is Xoom’s daily transfer limit?

Your Xoom transfer limit per day also depends on your sending level:¹

• Level 1: 2,999 USD per 24-hour period
• Level 2: 10,000 USD per 24-hour period
• Level 3: 50,000 USD per 24-hour period (or 10,000 USD for cash pickup)

Daily limits are rolling, too. If you send money at 3:00 pm on Monday, your daily limit resets at 3:00 pm on Tuesday, regardless of calendar days.

Xoom international transfer limits

Xoom lets you send money internationally to most countries if you're a US resident. The same 3-level limit system applies no matter where you're sending money.

However, not every delivery method works in every country, and there may also be Xoom partner limits for bank account, cash pickup, and home delivery services.¹

Each country also has its specific options and requirements.

You can check what's available for your destination by visiting Xoom's country-specific pages on their website before starting your transfer. For example, if you're looking for the Xoom transfer limit to India, you should visit their India page.

Send high amount, low cost international transfers with Wise

A smart option if you’re sending money overseas: meet Wise.

Over 50% of Wise payments arrive instantly* — and all Wise transfers are deposited directly into your recipient's bank account for convenience.

No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.

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*Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.

How can you check your Xoom transfer limits?

You can see your current limits in the Xoom app or website when you start a money transfer. The system automatically calculates how much you can send.

If you haven't provided any additional documents beyond basic profile information, you're most likely at Level 1 with the lowest limits. Once you've submitted documents like your Social Security number, passport, driver's license, or bank statements, your limits will increase to Level 2 or 3.

Can you increase your transfer limits at Xoom?

Yes, you can increase your Xoom transfer limit by passing additional verification. When you try to send more money than your current level allows, Xoom will prompt you to answer a few questions and submit the documents they need. If Xoom needs more information, they'll email you with specific instructions.

What are Xoom's transfer fees and charges?

Xoom charges 2 types of fees for every international transfer: transfer fees and currency exchange rate markups. In other words, you'll pay a fee and lose money on the exchange rate.²

Xoom international transfer fees aren't fixed and depend on a few different factors, such as your transaction type, your payment method, how much money you're sending, where you're sending it to, and in which currency.²

When you select a destination country and enter your transfer amount, Xoom shows you the fees for each available payment method.² You won't be charged a fee before you confirm your transfer.

If you're converting currencies (like sending USD that your recipient will receive as MXN), Xoom will mark up the currency exchange rate.²

For example, if the mid-market rate is 20.50 MXN per USD, Xoom might offer you 19.85 MXN per USD. This means you're losing money on every USD you convert into MXN. Currency exchange is another way Xoom makes money on your transfer.

Things to keep in mind when transferring high amounts

Sometimes, you may need to use Xoom to send a large amount of money to your family or friends. Here's what to remember:

• Currency exchange losses increase with the amount: The markup on exchange rates costs you more when you're sending thousands of dollars
• Payment method fees scale up: Credit cards especially can become more expensive on large transfers
• Recipient country regulations: Some countries have restrictions on large incoming transfers
• Multiple smaller transfers may be cheaper: This is not always true, but sometimes splitting large amounts into different transactions lowers your total costs

Xoom's main purpose is to send smaller transfers to your loved ones abroad, so some people choose to do a wire transfer through their bank instead. However, you'll still likely pay high transfer fees and currency exchange markups.

If you regularly send money abroad or need to transfer a large amount, there's another option: Wise.

With Wise, you can send secure and trackable large amount transfers to 140+ countries worldwide with transparent fees and the fair mid-market exchange rate.

Have a look at the main benefits for using Wise to send large transfers:

• Dedicated support for large transfers
• Fast and easy setup with no physical paperwork
• Upfront, transparent fees
• Fully trackable transfers
• Fast transfer times
• Two-factor authentication and real-time notifications

🚀 Get started with Wise

Sources

1. Xoom - How much money can I send, and how can I raise my limits?
2. Xoom - What are the fees to use Xoom?