Online security and privacy at Xoom

At Xoom, we take your privacy and data seriously. We are committed to securing your financial information and we employ proven technology to protect and secure your personal information. We partner with major banks and leading retailers. Xoom is a service of PayPal, Inc. PayPal, Inc. is regulated by both state and federal U.S. government agencies.

How secure is the Xoom money transfer service and website?

We use 128-bit data security encryption, so all information sent between your web browser and our website remains private and secure. The entire website, even pages viewed without logging in, is served via encrypted, secure pages.

The servers we use to store your information are protected both physically and electronically. They reside behind a firewall and are not directly connected to the Internet. We regularly audit our security policies to ensure the protection of your personal data. All Xoom employees pass financial and criminal background checks as a condition of employment.

Which banks and money transfer companies does Xoom work with?

We work with major banks and leading retailers worldwide to help you transfer money directly to a bank account, send money to be picked up, and get money delivered. Our trusted banking partners include Banco BHD, Bancolombia, Bank of America, Banorte, BBVA Bancomer, BDO, BPI, Citibank, HSBC, Interbank, Metrobank, Philippine National Bank, Wells Fargo and Victoria Mutual, among others.

Learn more about Xoom banking and retail partners.

Which third party security and privacy organizations have certified Xoom?

VeriSign Secure - Xoom is a VeriSign secured site and uses a VeriSign SSL Certificate to secure your information for transmission over the Internet. Learn more about the Xoom VeriSign certificate status.

Better Business Bureau - Xoom is a member of the Better Business Bureau online reliability program and meets all accreditation standards. Learn more about the BBB Online accreditation for Xoom.

What about unauthorized use of my account?

If you notice any unauthorized activity on your Xoom account, please email us immediately at We will secure your account and conduct a thorough investigation. If it turns out that someone has used your Xoom account without your permission (for example, someone stole your account password), we will cover you for the full amount of the unauthorized transaction. For more information, visit our Help Center.

Does Xoom share my information?

We are committed to protecting your privacy and security. We need to share some of your information with our partners in order to process your transaction, to fulfill promotions in which you have enrolled, or in some other limited situations, as described in the "Do We Share Information" section of our Privacy Policy. These are the only situations in which your information is shared without your express consent.

We do send you our own promotional emails, but you can opt out of them on the email preferences page.

Learn more about the Xoom Privacy Policy.

Is Xoom regulated by the government?

Xoom is a service of PayPal, Inc., a licensed provider of money transfer services. All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.’s licenses. As a money service business, PayPal, Inc. is regulated directly by the federal government and by various U.S. state governments and agencies.

Do you have a money-back guarantee if my recipient doesn't get the money?

We guarantee that your money will be received by your recipient, or we'll refund your transaction in full.

Why was I asked for a security code to log in?

This is part of our process that guards your account information. If you are asked for a security code, all you have to do is to check your email inbox for a message from Xoom with the code. Type or paste the security code into the space provided on our site and you are ready to send money or track your transactions.

More questions about Online Security and Privacy at Xoom?

Visit our Help Center to learn more.