Legal Agreements for Xoom

This page displays policy updates informing users in advance of important changes to PayPal's Xoom service, its User Agreement, or other policies:

  • Policy Updates

This User Agreement applies to all PayPal's Xoom service users:

All money transmission from the United States is provided by PayPal, Inc. (NMLS ID #: 910457) pursuant to PayPal, Inc.'s licenses.

State Complaints For Alaska Residents Only: If your issue is unresolved by Xoom, 877-815-1531, please submit formal complaints with the State of Alaska, Division of Banking & Securities. Formal complaints must be in writing, please download the form here: Formal complaint forms may be submitted via:

  • Fax: 907-465-1230

  • Email:

  • Mail: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

  • Phone: If you have questions regarding formal complaints, please call 907-465-2521

State Complaints For California Residents Only: If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Financial Protection and Innovation:

  • Phone: 1-866-275-2677 (toll-free)

  • Email:

  • Mail: Department of Financial Protection and Innovation, Consumer Services, 2101 Arena Boulevard, Sacramento, CA 95834

State Complaints for Colorado Residents Only: Colorado Division of Banking, Contact Information:

State Complaints For Texas Residents Only: Texas Department of Banking; After first contacting Xoom, 877-815-1531, if you are a Texas resident and still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to:

  • Mail: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705

  • Phone: 1-877-276-5554 (toll free)

  • Website:

These additional legal agreements apply to users in Residents of Austria and Germany:

For UK and EEA residents: PayPal (Europe) S.à r.l. et Cie, S.C.A. is duly licenced as a Luxembourg credit institution in the sense of Article 2 of the law of 5 April 1993 on the financial sector as amended and is under the prudential supervision of the Luxembourg supervisory authority, the Commission de Surveillance du Secteur Financier, with registered office in L-1150 Luxembourg.

PayPal is deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.