Xoom
4.2 / 5Trust 4.3 / 5188.5k reviews
Xoom, a PayPal service, sends to Philippine banks, GCash, cash pickup, and home delivery, funded instantly from a PayPal balance, bank account, or card — fast, but the exchange-rate margin runs 3%–4% above mid-market.
Transfer limits
Minimum
€1
Maximum
€46K
Fee structure
- Bank transferBank/GCash deposit via PayPal balance or bank account; fee often waived, cost is mainly the FX marginFree
- Debit cardCard-funded transfer, average fee around $5€5.00
Delivery methods
Bank transferCash pickupMobile walletHome delivery
Pros & cons
Pros
- Backed by PayPal's scale and fraud protection
- Often $0 transfer fee on eligible transfers
- Minutes-level delivery to GCash and major Philippine banks
Cons
- Exchange-rate margin of 3%–4% above mid-market
- One of the pricier options for larger sends
- True cost is hidden in the rate more than the fee
EUR → PHP rate history
Send with Xoom
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