<p><a class="user-mention" data-hovercard-type="user" data-hovercard-url="/hovercards?user_id=1449498" data-octo-click="hovercard-link-click" data-octo-dimensions="link_type:self" href="https://github.com/ManfredKarrer">@ManfredKarrer</a> it's been a few years since I used Xoom so I don't remember the exact procedure but it was just like western union but cheaper and with a better exchange rate. You pay with a bank account online with a $5 fee (much more if you use a card), and the receiver picks up cash with an id on stores located pretty much everywhere. Maximum transfer is 10,000. Never used remitly but they have an even better exchange rate. Xoom also now states they can deliver cash to your location.</p>

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