Understanding Xoom's Transfer Limits
Xoom places limits on how much money you can send within specific time periods. These limits exist for regulatory compliance, fraud prevention, and anti-money laundering purposes. The exact limits you face depend on your account verification status, transfer history, destination country, and payment method.
This guide breaks down how these limits work and what you can do to send higher amounts when needed.
Types of Transfer Limits on Xoom
Xoom applies limits across multiple time frames:
- Per-transaction limit: The maximum you can send in a single transfer.
- Daily limit: The total you can send within a 24-hour rolling period.
- Monthly limit: The cumulative total allowed across a 30-day window.
- Annual limit: The total amount permitted within a calendar year.
These limits are not publicly listed as fixed numbers because they vary by individual account. Your current limits are visible in your Xoom account settings under "Transfer Limits."
What Determines Your Limit Level?
Several factors influence where your personal limits sit:
- Identity verification level: Fully verified accounts with government ID have higher limits than unverified or partially verified accounts.
- Payment method: Bank account (ACH) payments typically allow higher send amounts than card payments.
- Destination country: Some receiving countries have regulatory caps on inbound remittances that can affect limits.
- Account age and transfer history: Established accounts with a consistent transfer history may qualify for higher limits over time.
How to Increase Your Xoom Transfer Limits
If your current limits aren't sufficient for your needs, here are the steps to request or unlock higher limits:
- Complete full identity verification: Submit a government-issued photo ID (passport, driver's license, or state ID) and confirm your address. This is typically the single most impactful step.
- Add and verify your Social Security Number (SSN): For US-based senders, providing your SSN is often required to access higher annual limits.
- Link a verified US bank account: Bank-linked accounts are associated with higher trust levels and tend to come with higher limits than card-only accounts.
- Contact Xoom support: If you have a legitimate need to send an amount beyond your current limits, contact Xoom's support team. They can review your account and may be able to facilitate a manual limit increase.
Limits for Business vs. Personal Accounts
Xoom is primarily designed for personal remittances. It does not currently offer a separate business account structure with elevated limits. If you regularly need to send large amounts for business purposes, it may be worth exploring dedicated business wire transfer services or international banking solutions in addition to or instead of Xoom.
What Happens If You Hit Your Limit?
If you attempt a transfer that exceeds your current limit, Xoom will display an error message explaining that the transaction cannot be processed. Your payment method will not be charged. Options at this point include:
- Breaking the total into multiple transfers over multiple days (subject to daily limits)
- Completing additional verification steps to unlock higher limits
- Contacting Xoom support to discuss your options
Staying Within Limits While Meeting Your Needs
Planning ahead helps avoid last-minute limit issues. If you know you'll need to send a large amount — for example, for a property purchase, medical emergency, or school fees — take the following steps in advance:
- Verify your account fully before the urgent transfer is needed.
- Check your current limits in account settings.
- Contact support proactively if the amount may exceed standard limits.
- Allow extra time for any verification reviews that may be required.