Is XE better than Xoom? Both companies offer bank-beating mid-market exchange rates and both are well-regulated, secure and customer-oriented, giving banks a good run for their money. Although Xoom charges a small fixed transfer fee regardless of the amount, and XE doesn’t charge customers for the transaction, a little more beneficial Xoom’s exchange rate equates the overall price. All in all, the two services are about even in terms of price, and both are extremely competitive against other transfer agents or banks. “Direct Transfers” peer-to-peer matching system, letting users find the desired deal is an unbeatable Xoom’s advantage, but then XE has triple as much currencies available. 1-1 in this battle, and you can easily go with any of the two and get a great deal.