Xoom Help Center
How does Xoom determine exchange rates?
Exchange rates are based on world currency markets, which change all the time. Foreign exchange rates listed in newspapers or elsewhere are generally wholesale or inter-bank rates that are not available for individuals. Xoom is constantly working to provide you with the best foreign exchange rates.
For local currency transfers, U.S. dollars are converted into the local currency of your destination country, based on the current exchange rate at the time you complete your money transfer.