In today’s global economy, international money transfers are a lifeline for millions — whether you’re supporting family back home, paying for services abroad, or running a remote business. But with so many remittance services available, how do you choose the right one?
Overview of Both Platforms
What is SendMoney360?
SendMoney360 is an international money transfer comparison website, similar to platforms like Skyscanner (for flights) or Trivago (for hotels). It allows users to compare real-time transfer fees, exchange rates, delivery times, and user reviews across dozens of trusted providers such as Wise, Remitly, WorldRemit, Western Union, PaySend, and mobile wallets like GCash or JazzCash.
What is Xoom?
Xoom is a PayPal-owned remittance platform that allows users to send money, reload phones, and pay utility bills in more than 160 countries. Unlike SendMoney360, Xoom is a direct provider, meaning you only use Xoom’s system, pricing, and rates.
Fee Comparison – Who’s Cheaper?
Transfer Fees
| Platform | Transfer Fee | Funding Method | Payout Method |
|---|---|---|---|
| Xoom | $9.99 | Debit Card | Cash Pickup / Bank |
| SendMoney360 (via Wise) | $3.80 | Bank Transfer | Bank Deposit |
| SendMoney360 (via Remitly Economy) | $3.99 | Bank Transfer | Bank Deposit |
Winner: SendMoney360 — because it lets you compare and choose the lowest-cost option.
Hidden Fees in Exchange Rates
Many users overlook the exchange rate margin — a hidden fee built into the rate you’re offered. SendMoney360 lets you see both the exchange rate and the final amount your recipient receives, avoiding surprises.
Speed of Transfer – Which Is Faster?
| Transfer Speed | Xoom (Express) | SendMoney360 (via partner) |
|---|---|---|
| Instant | ✅ | ✅ (Remitly, Western Union) |
| Same Day | ✅ | ✅ (Wise, WorldRemit) |
| Economy (3–5 days) | ❌ | ✅ |
Geographic Coverage
Xoom supports over 160 countries, while SendMoney360 connects to providers that support more than 200 countries. This includes local mobile wallet services, bank transfers, and cash pickups.
User Interface and Experience
- Xoom: Smooth interface, fast for PayPal users
- SendMoney360: Comparison-first, no login required, mobile optimized
Security & Trust
Both services are highly secure and regulated. SendMoney360 only partners with licensed remittance services and uses bank-grade encryption. Xoom is backed by PayPal’s global infrastructure.
Customer Support
| Feature | Xoom | SendMoney360 |
|---|---|---|
| 24/7 Chat Support | ✅ | ❌ |
| Multilingual Support | Limited | ✅ (via partners) |
| Blog / Learning Center | ❌ | ✅ |
Unique Features
SendMoney360
- Live comparison of global money transfer services
- Shows true cost (fees + exchange rate)
- Rate alerts, promo deals, first-time bonuses
- Multilingual, mobile wallet support
Xoom
- PayPal integration
- Instant cash pickup
- Bill payments and mobile top-ups
Final Verdict
| Category | Winner |
|---|---|
| Lowest Fees | SendMoney360 |
| Fastest Delivery | Xoom |
| Rate Transparency | SendMoney360 |
| User Flexibility | SendMoney360 |
| Support Simplicity | Xoom |
| Overall Winner | SendMoney360 ✅ |
Make the Smart Choice Before You Send
Whether you prioritize speed, cost, or flexibility, SendMoney360 gives you control. Before you send money abroad, compare providers and save with SendMoney360.
✅ Compare. ✅ Save. ✅ Send smarter.
