Finance Tools

Xoom Exchange Rate Markup Calculator

Estimate Xoom exchange rate markup by comparing the rate you get vs the mid-market rate and calculating the hidden FX cost.

Xoom Exchange Rate Markup Calculator

Compare the exchange rate shown by Xoom to the mid-market rate to estimate FX markup and hidden cost.

In your sending currency (e.g., USD).

Reference rate from a neutral source.

Rate shown by Xoom at checkout.

Estimated markup (spread vs mid-market)
2.17%
Receive at mid-market
920.00
Receive with Xoom
900.00
Hidden FX cost
20.00

This estimates FX markup only. Xoom may also charge explicit transfer fees depending on payment method and destination.

How it works

  1. We compute the spread between the mid-market rate and the Xoom rate.
  2. We calculate how much the recipient would receive at each rate.
  3. The difference is the estimated hidden FX cost due to markup.

FAQ

What is the mid-market rate?
It's the reference rate between two currencies, often used as a neutral benchmark before fees/markup.
Does a lower rate always mean higher cost?
Usually yes for FX. But overall cost also depends on explicit fees, speed, and transfer method.

How to use this xoom exchange rate markup calculator

  1. Enter the amount you send.
  2. Enter the mid-market exchange rate (reference rate).
  3. Enter the exchange rate shown by Xoom.
  4. Click Calculate to see the markup (%) and estimated hidden FX cost.

Example

If the mid-market rate is 0.92 EUR per USD but Xoom shows 0.90 and you send $1,000:

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