DO NOT use XOOM. I've used for 3 years and they have screwed me time and again and without warning or explanation. Holding funds for 10 days after they take from your bank. They just increased their minimum to $50. Recently I did an emergency transfer for my sister in law in the hospital and they held the funds for 7 days and she almost died without the treatment. When I finally got a hold of someone on the phone they refused to talk saying they can not disclose any information. DO NOT trust XOOM. They have gotten too greedy and there advertising is false. read full review »