Xoom (a PayPal service) — review & details
PayPal's international remittance arm, sending to Nigeria from the US, Canada, UK and EEA with bank deposit and cash pickup. Shows the exact fee and the naira amount the recipient gets before you confirm.
PayPal-backed
Xoom (a PayPal service)
★★★★☆
US, Canada, UK and EEA into Nigeria (inbound)
Corridors
Cash pickup typically available in minutes per Xoom; bank deposits depend on the receiving bank
Speed
Operated under PayPal's regulated money-transfer licences in its sending markets
Licence/ Registration
Existing PayPal users who want a familiar, well-known brand
Best For
Remittance service (inbound to Nigeria)
Type
Pros
- Backed by PayPal's infrastructure, security and fraud monitoring
- Both bank deposit and cash pickup available in Nigeria, including GTBank and First Bank
- Full cost and delivered NGN amount shown upfront before you send
Cons
- Exchange-rate margins on card-funded transfers can be significant — the delivered amount is what matters
- No sending from Nigeria; it is a one-way diaspora corridor
- Rates move through the day, so quotes are only good at the moment you confirm
Fees, eligibility & documents
Fees
Transfer costFee varies with payment method (PayPal balance, bank, card); the rate margin is the bigger cost — compare the delivered naira amount
Eligibility
- Sender in the US, Canada, UK or EEA
- PayPal or Xoom account in the sending country
- Recipient bank account, or valid ID for cash pickup
Documents needed
- Sender identity verification through PayPal/Xoom
- Recipient photo ID for cash pickup
How Xoom (a PayPal service) compares in money transfer & remittance
| Xoom (a PayPal service) | LemFi | Sendwave | |
|---|---|---|---|
| Corridors | US, Canada, UK and EEA into Nigeria (inbound) | — | — |
| Speed | Cash pickup typically available in minutes per Xoom; bank deposits depend on the receiving bank | Minutes to same day | Minutes to same day |
| Licence/ Registration | Operated under PayPal's regulated money-transfer licences in its sending markets | — | — |
| Best For | Existing PayPal users who want a familiar, well-known brand | Lowest all-in cost | Simple mobile transfers |
| Visit Xoom → | Visit LemFi → | Visit Sendwave → |
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