The best ways to send money to the Philippines from the USA: Xoom

Filipinos abroad need to know the best ways to send money to the Philippines. Same is true for Filipinos in the USA. We continue supporting our parents, siblings, and other family members in the Philippines.

The US dollars we earn can go a long way in the Philippines. A hundred US dollars can be converted anywhere between PhP 4,500 to 5,300. That would be helpful for a family in the Philippines.

That is why remittance services are important in America. You want fast and less expensive service. We live in Tennessee where there are fewer Filipinos. That is why we don’t have a lot of Filipino-oriented services compared to cities in California and Illinois.

I consider myself with a bit of tech savvy, so naturally I want online solutions that won’t require me to leave the comforts of home.

How to use Xoom

Xoom is an online money transfer service and it is owned by, the giant pioneer of online payment systems. You can use Xoom by signing up for their service online.

Go to to open an account. You will need an email address and a phone number. You can also use your Paypal account if you already have one. Alternatively, you can download their iPhone or Android app.

I created a video to show you how to use Xoom. Please watch it below:

How to pay for your transfer

There are several ways to pay for your money transfer.

  • Bank Checking or Savings Account. You can nominate a US bank account: checking or savings to fund your transfer. You will need the account number, as well as the routing number or ACH number of your account. You can easily see this information in your check or in your online banking.
  • Credit or Debit Card. You can also use your credit or debit card to fund your transfer. But this can be a very expensive option. I don’t use this option.
  • You can also use your Paypal account to pay for your transfer.

How can the recipient receive it?

When you add your recipients, you can specify how you want them to get the money. They can pick up the cash at Xoom accredited locations. Banks are usually the best places to do this.

  • Bank Deposit. If your recipient has a bank account, this is the most convenient option. You make the transfer, they receive it in their bank account. They will then withdraw the money at their own convenience.
  • Door-to-door delivery. I’m not sure how this works because I have never used this option. I’m assuming that this could be similar to LBC’s Express Padala, subject to availability of delivery in different locations in the country.

The biggest advantage of this service is the quickness with which you can send money. Within minutes or an hour, the money you send could be in your recipient’s bank account. This is best suited for emergencies and remittances that cannot wait.

However, the foreign exchange rates of Xoom (and Paypal for that matter) are terrible! While the upfront cost of sending money is low, they also make pretty good money with the exchange rates.

Overall, I have used Xoom several times over the past three years that we are in the United States. Apart from the foreign exchange rate differential, I will still be using it. But in those times that I was not in a hurry, I looked for other options such as Transferwise. They are not much more expensive but their foreign exchange rates are way better.

1 comment

  1. Greetings, today I am going to tell you about my experience when sending money to people in the Philippines. Basically I tried many apps and almost all of them gave me some kind of problems, at least from Spain they ask for a lot of verifications. In some you have to send photos of your documents such as the passport or the national identity document.

    The fact is that it is very common when you meet people from the Philippines that on some occasion you need to send money.

    I have used Paysend, Western Union, but from Spain at least it is a mess, I could not verify my account and I have followed all the steps, the help desk seemed terrible to me and the commissions are quite high for my liking.

    I also tried Moneygram, Rewire and TransferWise and for one reason or another they did not go well, or they gave me problems or they charged too much, or they ask you a lot of paperwork to verify or when you send a couple of times they start asking you for a fee, etc.
    You can try them all, many people have done well, but in my case they have not been practical or satisfactory.

    The best option for me was Sendvalu At the end of so much testing I found this service and it was extremely comfortable for me.

    Hopefully it will be like me and if you have doubts you can ask me here.

    Note: Remember that apart from the Philippines, this also serves to send money to Cuba, Colombia, Honduras, the Dominican Republic, Vietnam, Thailand, Morocco, India, Malaysia, etc.

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