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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:

  • User Agreement

All money transmission from the United States is provided by PayPal, Inc. pursuant to PayPal, Inc.'s licenses.

  • State Licensing

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 below. If you have questions regarding formal complaints, please call 907-465-2521. Formal complaint forms may be submitted via:

  • Fax: 907-465-1230
  • Email: msb_licensing@alaska.gov
  • Mail: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807
  • Download Formal Complaint Form

For Texas Residents: If you have a complaint, first contact Xoom Customer Service at 1-877-815-1531. If you are a Texas resident and you still have an unresolved complaint regarding PayPal's money transmission activity, including the Xoom Service, please direct your complaint to:

  • Texas Department of Banking; 2601 North Lamar Boulevard, Austin, TX 78705; 1-877-276-5554 (toll free)
  • www.dob.texas.gov

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

  • Impressum (Deutsch)

These additional legal agreements are for users in each country or region:

  • Applicable Privacy Statements
  • European Commission leaflet: Your Rights When Making Payments In Europe (external link)

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Xoom moves your money fast, and keeps your security a top priority. Speed of money transfer service is subject to many factors, including:

  • Approval by the Xoom proprietary anti-fraud verification system
  • Funds availability from sender's payment account (checking, credit or debit card)
  • Banking hours and banking system availability in your recipient’s country or region.
  • Difference in time zones, weekend bank processing availability, and local bank holidays
  • Receiving agent hours of operation

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