RemitArchitect

Western Union vs Xoom

Both are compared on 137 of the same corridors on this site, sending from the USA, the UK, Canada, Australia, Spain and France. This page sets the two side by side on every one of them — what each pays out to, how fast, and where a like-for-like amount was checked, which one actually delivered more.

There is no score here and no overall winner. Every line is read from the corridor page it came from, where the row was checked against the provider's own page for that route. Nothing on this page was written by hand, which is why none of it can go quietly out of date: when the research behind a figure lapses, the figure disappears rather than ageing in place.

At a glance

Western Union
Corridors on this site
490
Shared with Xoom
137
Routes the other has no row on
353
Pays out to, across shared routes
Bank · Cash · Wallet · Card · Doorstep
Documented as not serving a route
5
Xoom
Corridors on this site
146
Shared with Western Union
137
Routes the other has no row on
9
Pays out to, across shared routes
Bank · Cash · Wallet · Card · Doorstep · Airtime
Documented as not serving a route
33

The last row of each card is the one most easily misread. A longer list of documented absences is not a worse provider — it records how thoroughly that provider's own coverage has been swept here. A provider whose destination list has been checked route by route accumulates absences in writing; one that has not been swept simply has fewer written down. Read each line as a fact about that route, never the two totals against each other.

Where both were priced at the same amount

On 67 of the 137 shared corridors, both providers were quoted at the same send amount on the same day. Western Union delivered more on 59, Xoom on 8.

That is a count of corridors where a measurement exists, not a ranking of the two companies. It covers a bank transfer at the site benchmark of $1,000 and says nothing about cash pickup or wallet payouts, which are priced differently. The figures come from the Wise Comparison API, a source operated by a company this site also ranks. Rates move daily; open a provider for a live quote before sending.

From the USA — 109 shared corridors

DestinationWestern UnionXoom
Pays out toSpeedGets per $1,000Pays out toSpeedGets per $1,000
AlbaniaBank · Cash · WalletMinutesALL 78,598Bank · CashMinutesNot checked
Antigua and BarbudaBank · Cash · Wallet · CardMinutesNot checkedCashMinutesNot checked
ArgentinaBank · CashVariesNot checkedBank · CashVariesNot checked
ArmeniaBank · Cash · WalletMinutes to daysNot checkedBank · Cash · CardMinutesNot checked
AustriaBank · Cash · Wallet · CardMinutesEUR 886Bank · CardMinutesEUR 860
AzerbaijanBank · Cash · Wallet · CardVariesAZN 1,681CardMinutesNot checked
BahrainBank · Cash · Wallet · CardMinutesBHD 370CashMinutesNot checked
BangladeshBank · Cash · WalletVariesBDT 121,798Bank · Cash · WalletMinutesBDT 119,687
BelizeBank · Cash · Wallet · CardMinutesNot checkedCardMinutesNot checked
BeninBank · Cash · Wallet · CardMinutesXOF 568,356Bank · Cash · WalletMinutes to daysNot checked
BhutanBank · Cash · Wallet · CardMinutesNot checkedBank · CashMinutesNot checked
BoliviaBank · CashVariesBOB 11,668Bank · CashVariesBOB 11,044
Bosnia and HerzegovinaBank · Cash · Wallet · CardMinutesNot checkedBank · Cash · CardMinutes to daysBAM 1,701
BrazilBank · Cash · WalletVariesBRL 4,947Bank · Cash · WalletMinutesBRL 4,924
BulgariaBank · Cash · WalletMinutes to daysNot checkedBank · CashMinutesNot checked
Burkina FasoBank · Cash · Wallet · CardMinutesXOF 568,356Bank · CashMinutes to daysNot checked
BurundiBank · Cash · Wallet · CardMinutesNot checkedCashMinutesNot checked
CambodiaBank · Cash · WalletVariesNot checkedBank · Cash · WalletVariesNot checked
CanadaBank · CashMinutes to daysCAD 1,396BankDaysCAD 1,356
ChinaBank · Cash · WalletVariesCNY 6,526Bank · WalletMinutesCNY 6,714
ColombiaBank · Cash · Wallet · CardVariesCOP 3,110,287Bank · Cash · Wallet · CardMinutesCOP 3,106,343
ComorosBank · Cash · Wallet · CardMinutesNot checkedCashMinutesNot checked
Costa RicaBank · CashVariesCRC 439,498Bank · CashVariesNot checked
Côte d'IvoireBank · Cash · Wallet · CardVariesXOF 568,356Bank · Cash · WalletMinutes to daysNot checked
CroatiaBank · Cash · WalletMinutes to daysEUR 886Bank · Cash · CardMinutes to daysEUR 860
CyprusBank · Cash · Wallet · CardMinutesEUR 886Bank · CashMinutesEUR 860
CzechiaBank · Cash · Wallet · CardMinutesCZK 21,400Bank · Cash · CardMinutes to daysCZK 21,328
Democratic Republic of the CongoBank · Cash · WalletMinutesNot checkedBank · Cash · WalletMinutesNot checked
DenmarkBank · Cash · Wallet · CardMinutesDKK 6,531Bank · CashMinutesDKK 6,505
DjiboutiBank · Cash · Wallet · CardMinutesNot checkedBank · CashMinutesNot checked
Dominican RepublicBank · Cash · DoorstepMinutesDOP 59,669Bank · Cash · Wallet · Card · DoorstepMinutes to daysDOP 59,085
EcuadorBank · CashMinutes to daysNot checkedBank · Cash · CardMinutesNot checked
EgyptBank · Cash · Wallet · CardMinutesEGP 52,507Bank · CashMinutes to daysEGP 51,549
El SalvadorBank · Cash · Wallet · CardMinutes to daysNot checkedBank · Cash · Wallet · CardMinutesNot checked
EritreaBank · Cash · Wallet · CardMinutesNot checkedCashMinutesNot checked
EstoniaBank · Cash · Wallet · CardMinutesEUR 886Bank · CashMinutesEUR 860
FinlandBank · Cash · Wallet · CardMinutesEUR 886Bank · Cash · CardMinutesEUR 860
GabonBank · Cash · Wallet · CardMinutesNot checkedBank · CashMinutes to daysNot checked
GeorgiaBank · Cash · WalletMinutesGEL 2,543Bank · Cash · CardMinutesNot checked
GhanaBank · Cash · WalletVariesGHS 10,748Cash · WalletMinutesNot checked
GreeceBank · CashMinutesEUR 886Bank · CashMinutesEUR 860
GuatemalaBank · Cash · CardVariesGTQ 7,535Bank · Cash · Wallet · CardMinutesGTQ 7,553
GuineaBank · Cash · Wallet · CardMinutesNot checkedCash · WalletMinutesNot checked
Guinea-BissauBank · Cash · Wallet · CardMinutesXOF 568,356CashMinutesNot checked
GuyanaBank · CashVariesNot checkedBank · CashVariesNot checked
HaitiBank · Cash · WalletMinutesNot checkedBank · Cash · Wallet · CardMinutesNot checked
HondurasBank · Cash · CardMinutesHNL 26,814Bank · Cash · CardMinutesHNL 26,779
Hong KongBank · Cash · Wallet · CardMinutesHKD 7,744Bank · CashDaysHKD 7,620
IcelandBank · Cash · Wallet · CardMinutesNot checkedBank · CardMinutesNot checked
IndiaBank · Cash · WalletMinutes to daysINR 94,415Bank · Cash · WalletMinutesINR 94,796
IndonesiaBank · Cash · WalletMinutesIDR 17,641,058Bank · Cash · Wallet · CardMinutesIDR 17,522,040
IrelandBank · CashMinutesEUR 886Bank · CashMinutes to daysEUR 860
IsraelBank · Cash · Wallet · CardMinutesILS 2,831Bank · Cash · CardMinutes to daysILS 3,036
JamaicaBank · Cash · WalletVariesJMD 153,917Bank · Cash · CardMinutes to daysJMD 152,645
JordanBank · Cash · Wallet · CardMinutesNot checkedBank · CardVariesNot checked
KazakhstanBank · Cash · WalletMinutesNot checkedBank · CardMinutesNot checked
KenyaBank · Cash · WalletMinutesKES 126,951Bank · Cash · Wallet · CardMinutesNot checked
LatviaBank · Cash · Wallet · CardMinutesEUR 886BankMinutesEUR 860
LiberiaBank · CashVariesNot checkedBank · CashVariesNot checked
LuxembourgBank · Cash · Wallet · CardVariesEUR 886Bank · CashMinutesEUR 860
MadagascarBank · Cash · Wallet · CardMinutesNot checkedBank · Cash · Wallet · CardMinutesNot checked
MalaysiaBank · Cash · WalletMinutesMYR 4,004Bank · CashVariesNot checked
MaliBank · Cash · Wallet · CardMinutesXOF 568,356Bank · Cash · WalletMinutesNot checked
MaltaBank · Cash · Wallet · CardMinutesEUR 886BankMinutesEUR 860
MauritiusBank · Cash · Wallet · CardMinutesNot checkedCashMinutesNot checked
MexicoBank · Cash · WalletMinutes to daysMXN 18,224Bank · Cash · WalletMinutesMXN 18,565
MoldovaBank · Cash · Wallet · CardMinutesMDL 17,081CashMinutesNot checked
MongoliaBank · Cash · Wallet · CardMinutesNot checkedCashMinutesNot checked
MontenegroBank · Cash · Wallet · CardMinutesEUR 886Bank · CashMinutesEUR 860
MoroccoBank · Cash · WalletVariesMAD 9,644Bank · CashMinutes to daysMAD 9,385
NepalBank · CashMinutes to daysNPR 150,388Bank · Cash · WalletMinutes to daysNPR 147,088
NetherlandsBank · CashMinutesEUR 886Bank · CashMinutesEUR 860
New ZealandBank · CashMinutesNZD 1,755Bank · CashMinutes to daysNZD 1,740
NicaraguaBank · CashMinutesNot checkedBank · CashMinutesNot checked
NigerBank · Cash · Wallet · CardMinutesXOF 568,356Cash · WalletMinutesNot checked
NigeriaBank · CashVariesNGN 1,341,231Bank · CashMinutesNot checked
North MacedoniaBank · Cash · WalletMinutesMKD 54,435Bank · CashVariesNot checked
NorwayBank · Cash · Wallet · CardMinutesNOK 9,325Bank · CashMinutes to daysNOK 9,222
OmanBank · Cash · Wallet · CardMinutesNot checkedCashMinutesNot checked
PakistanBank · Cash · WalletMinutesPKR 276,514Bank · Cash · Wallet · CardMinutes to daysPKR 272,282
ParaguayBank · CashVariesPYG 5,382,322Bank · CashVariesNot checked
PeruBank · Cash · WalletMinutesPEN 3,335Bank · Cash · WalletMinutes to daysNot checked
PhilippinesBank · Cash · Wallet · CardMinutes to daysPHP 61,166Bank · Cash · Wallet · Card · DoorstepMinutes to daysPHP 63,232
PolandBank · CashMinutes to daysPLN 3,827Bank · CashMinutesPLN 3,800
PortugalBank · Cash · CardMinutes to daysEUR 886Bank · CashMinutesEUR 860
QatarBank · Cash · WalletMinutesNot checkedCashMinutesNot checked
RomaniaBank · Cash · Wallet · CardMinutesRON 4,717Bank · Card · AirtimeDaysRON 4,662
SenegalBank · CashVariesXOF 568,332Bank · CashVariesNot checked
SerbiaBank · Cash · Wallet · CardMinutesNot checkedBank · CashVariesNot checked
SeychellesBank · Cash · Wallet · CardMinutesNot checkedCashMinutesNot checked
SingaporeBank · CashMinutesSGD 1,243BankVariesSGD 1,239
SlovakiaBank · Cash · Wallet · CardMinutesEUR 886Bank · CardMinutesEUR 860
SloveniaBank · Cash · Wallet · CardMinutesEUR 886Bank · CardMinutesEUR 860
South KoreaCashMinutesKRW 1,321,163BankMinutesKRW 1,307,324
SpainBank · CashMinutesEUR 886Bank · CashVariesEUR 860
SwedenBank · Cash · Wallet · CardMinutesSEK 9,805Bank · Cash · CardMinutesSEK 9,715
SwitzerlandBank · CashMinutes to daysCHF 810Bank · CashMinutes to daysCHF 807
TanzaniaBank · Cash · WalletVariesTZS 2,579,784Bank · Cash · WalletMinutes to daysTZS 2,500,894
ThailandBank · CashMinutes to daysTHB 32,924Bank · CashVariesTHB 31,919
Timor-LesteBank · Cash · Wallet · CardMinutesNot checkedBank · CardMinutesNot checked
TogoBank · Cash · WalletMinutesXOF 568,356Bank · CashMinutes to daysNot checked
TongaBank · Cash · Wallet · CardMinutesNot checkedCash · WalletMinutesNot checked
Trinidad and TobagoBank · CashVariesNot checkedBank · CashVariesNot checked
UkraineBank · Cash · CardMinutesUAH 43,258Bank · Cash · CardMinutesNot checked
United Arab EmiratesBank · Cash · WalletMinutes to daysNot checkedBank · CashMinutes to daysNot checked
United KingdomBank · Cash · CardMinutes to daysGBP 743Bank · CashMinutesNot checked
UruguayBank · Cash · Wallet · CardMinutesNot checkedBank · Cash · CardMinutes to daysUYU 37,564
UzbekistanBank · Cash · WalletMinutesNot checkedBank · Cash · CardMinutesNot checked
VietnamBank · Cash · Wallet · DoorstepMinutesVND 25,484,537Bank · Cash · Wallet · Card · DoorstepMinutes to daysVND 25,042,023

A highlighted figure is the larger of the two on that corridor, at the same send amount on the same day. Both figures are bank-transfer quotes.

From the UK — 5 shared corridors

DestinationWestern UnionXoom
Pays out toSpeedGets per £1,000Pays out toSpeedGets per £1,000
BangladeshBank · Cash · WalletMinutes to daysBDT 161,495Bank · Cash · WalletMinutesBDT 159,602
IndiaBank · Cash · WalletMinutes to daysINR 124,787Bank · Cash · WalletMinutesINR 124,530
PakistanBank · Cash · WalletMinutes to daysPKR 365,419Bank · Cash · Wallet · CardMinutesPKR 359,134
RomaniaBank · CashMinutes to daysRON 6,227Bank · CardDaysRON 6,179
SpainBank · CashMinutesEUR 1,170Bank · CashVariesEUR 1,137

A highlighted figure is the larger of the two on that corridor, at the same send amount on the same day. Both figures are bank-transfer quotes.

From Canada — 3 shared corridors

DestinationWestern UnionXoom
Pays out toSpeedGets per C$1,000Pays out toSpeedGets per C$1,000
HaitiBank · CashMinutes to daysNot checkedBank · Cash · Wallet · CardMinutesNot checked
IndiaBank · Cash · WalletMinutesINR 66,674Bank · Cash · WalletMinutesINR 65,998
PhilippinesBank · Cash · WalletMinutesPHP 44,175Bank · Cash · Wallet · Card · DoorstepMinutesPHP 43,378

A highlighted figure is the larger of the two on that corridor, at the same send amount on the same day. Both figures are bank-transfer quotes.

From Australia — 1 shared corridor

DestinationWestern UnionXoom
Pays out toSpeedGets per A$1,000Pays out toSpeedGets per A$1,000
PhilippinesBank · Cash · WalletMinutesPHP 42,984Bank · Cash · Wallet · DoorstepMinutesPHP 43,987

A highlighted figure is the larger of the two on that corridor, at the same send amount on the same day. Both figures are bank-transfer quotes.

From Spain — 16 shared corridors

DestinationWestern UnionXoom
Pays out toSpeedGets per €1,000Pays out toSpeedGets per €1,000
BoliviaBank · CashVariesBOB 12,936Bank · CashVariesBOB 12,747
BrazilBank · CashVariesBRL 5,544Bank · CashVariesBRL 5,478
ChinaBank · Cash · WalletMinutes to daysCNY 7,386Bank · CashVariesCNY 7,448
ColombiaBank · Cash · WalletMinutes to daysCOP 3,497,772Bank · Cash · WalletMinutesCOP 3,460,665
Dominican RepublicBank · Cash · WalletMinutes to daysDOP 67,252Bank · Card · DoorstepMinutes to daysDOP 66,473
EcuadorBank · Cash · Wallet · CardMinutes to daysUSD 1,109Bank · Cash · AirtimeMinutesUSD 1,070
GambiaBank · Cash · WalletMinutes to daysNot checkedBank · CashVariesNot checked
GhanaBank · Cash · WalletMinutes to daysGHS 12,976Bank · CashVariesNot checked
HondurasBank · CashVariesHNL 29,572Bank · CashVariesHNL 29,379
MoroccoBank · Cash · Wallet · CardMinutes to daysMAD 10,729Bank · CashMinutes to daysMAD 10,692
NigeriaBank · Cash · WalletMinutes to daysNGN 1,508,800Bank · CashVariesNot checked
ParaguayBank · CashVariesPYG 6,320,304Bank · CashVariesNot checked
PeruBank · Cash · Wallet · CardMinutes to daysPEN 3,759Bank · Cash · WalletMinutes to daysPEN 3,709
RomaniaBank · Cash · Wallet · CardMinutes to daysRON 5,284Bank · Cash · CardMinutes to daysRON 5,234
SenegalBank · Cash · Wallet · CardMinutes to daysXOF 655,370CashMinutesNot checked
UkraineBank · Cash · WalletMinutes to daysUAH 49,659Bank · CashVariesNot checked

A highlighted figure is the larger of the two on that corridor, at the same send amount on the same day. Both figures are bank-transfer quotes.

From France — 3 shared corridors

DestinationWestern UnionXoom
Pays out toSpeedGets per €1,000Pays out toSpeedGets per €1,000
ComorosBank · Cash · Wallet · Card · DoorstepMinutes to daysNot checkedBank · Cash · CardMinutesNot checked
Côte d'IvoireBank · Cash · WalletMinutes to daysXOF 655,370Bank · Cash · WalletMinutes to daysNot checked
Democratic Republic of the CongoBank · Cash · WalletMinutes to daysNot checkedCash · WalletMinutesNot checked

Where only one of them is compared

353 routes where only Western Union is compared

Xoom carries no row on these corridors — which means this site holds no researched entry for it there, not that it does not operate. Documented non-coverage is the section below this one.

9 routes where only Xoom is compared

Western Union carries no row on these corridors — which means this site holds no researched entry for it there, not that it does not operate. Documented non-coverage is the section below this one.

Where each was checked and found not to serve the route

No provider publishes this about itself. Each line is a route where the provider was checked against its own pages and recorded as not serving it, with the reason found at the time. The counts are not comparable between the two: they measure how much of each provider's coverage has been swept, not how many gaps each one has.

Western Union — 5 recorded

  • the UK → United Arab Emirates — its UK-to-the UAE page could not be freshly verified this session — two independent attempts returned a server error rather than a clean 404, so its status is unresolved rather than confirmed absent Source
  • Canada → Afghanistan — its Canada-to-Afghanistan page could not be freshly verified this session — two independent attempts returned a server error rather than a clean 404, so its status is unresolved rather than confirmed absent Source
  • France → Algeria — it operates in Algeria and its France sitemap links an Algeria page, but that page publishes no payout method, currency, speed or fee, so there is nothing corridor-specific to point a reader at Source
  • New Zealand → South Africa — Two independent attempts to read Western Union's New Zealand page for this corridor both returned a server error (403), not a 404. That is treated as unresolved rather than confirmed absent, consistent with how this site has handled Western Union and Ria failures on every other hub this session. Source
  • New Zealand → South Korea — Two independent attempts to read Western Union's New Zealand page for this corridor both returned a server error (403), not a 404. Treated as unresolved rather than confirmed absent. Source

Xoom — 33 recorded

Payout methods and delivery speeds are each provider's published terms as read on the corridor pages; recipient amounts are like-for-like quotes checked in October 2026 for a bank transfer at $1,000. Fees and rates change without notice — confirm the final quote with the provider before sending. Full pages: Western Union · Xoom · how this site compares providers · all comparisons