Xoom · United States to India

Xoom U.S. to India

USD → INR

A PayPal service for personal USD-to-INR transfers from U.S. residents, with delivery to Indian bank accounts, UPI IDs or cash-pickup locations. Fund with an eligible bank account, debit/credit card or PayPal payment option. Fees, exchange rates and verification limits apply.

Pros

  • Indian bank deposit, UPI or cash pickup where available.
  • Eligible bank/card funding or PayPal payment options.
  • See fee, exchange rate and recipient INR before confirming.

Cons

  • FX spread and card cash-advance costs may apply despite a $0 Xoom fee.
  • Sender verification tiers and receiving-partner caps apply; India cash pickup is limited to INR 50,000.
  • Advertised speeds are estimates and can be delayed by verification/funding.
  • Full-refund cancellation window is conditional and generally 30 minutes for U.S. senders.

Generated from the provider's published terms and reviewed against official sources.

Eligibility and application requirements

U.S. address: Conditional

Residency and other conditions: This listing covers personal USD-to-INR transfers by U.S.-resident individual senders. Sender must be at least 18 or the applicable age of majority and able to contract. Sender must lawfully own the funding method; USD bank funding requires a U.S. bank account, and cards must be issued in the send currency. Identity, recipient, address and source-of-funds checks may apply, including on a first transfer. Level 1 lists sender profile information; Level 2 accepts an SSN OR passport, driver license, state ID or alien identification card plus questions; Level 3 lists driver license, passport or Green Card plus pay stub or bank statement with direct deposit and questions. An SSN is not universally mandatory under the published tier table; ITIN acceptance was not established. A visa-category approval list, credit inquiry type and credit-bureau reporting were not established. Use a standalone Xoom account or eligible PayPal login. Agreement effective May 11, 2026; verified October 10, 2026.

Geographic restrictions: No general U.S. state exclusion for bank/card-funded transfers to India was verified. The official payment-method help page excludes Hawaii from the PYUSD funding option; this does not establish that ordinary bank/card-funded Xoom transfers are unavailable in Hawaii. Funding methods and jurisdiction availability must be confirmed in the quote.

Product review: 30 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare remittance requirements and costs · How we assess published requirements

Check Xoom for the INR received, transfer fee and estimated arrival for your transfer.

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Payment options, limits and identity requirements have not yet been confirmed for this listing.

Fees and exchange rate

Transfer fee $0 Xoom fee for $1,000+ bank-account/PayPal-balance-funded transfers to Indian bank or UPI. Other combinations require a quote. Source ↗
Exchange rate Currency-conversion spread remains even with $0 transfer fee.
Other costs Xoom states its transfers are not subject to the U.S. 1% remittance tax under the One Big Beautiful Bill Act — checked 2026-10-30.

Payment and delivery options

You pay with Requires availability confirmation
Recipient receives via Bank deposit, UPI and cash pickup require availability confirmation

Requirements and limits

Residence Adult U.S.-resident personal sender with authorized funding; verification applies.
Identity documents Government-issued ID may be requested
SSN / ITIN SSN is not universally required: published Level 2 permits SSN or listed government ID. · ITIN substitution not confirmed.
Sending limits Level 1: $2,999/24h, $6,000/30d, $9,999/180d. Higher verified tiers exist; India cash payout and partner caps may be lower. Source ↗
State availability No general U.S. state exclusion for bank/card-funded transfers to India was verified. The official payment-method help page excludes Hawaii from the PYUSD funding option; this does not establish that ordinary bank/card-funded Xoom transfers are unavailable in Hawaii. Funding methods and jurisdiction availability must be confirmed in the quote.

Help and evidence

Support, cancellation and refunds

Support details are not confirmed.

Cancellation / refund: U.S. senders can request full-refund cancellation within 30 minutes unless already delivered. Later refunds are limited; contact Xoom promptly.

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Official sources

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This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.