I used them to transfer funds out of my bank account into a Fidelty investment account. They took the money but it never made it into my Fidelity account. They are slow to respond and its all done via email. You have no recourse to get your money back. They state in the email denying the claim and saying they deposited the money and that if I want documentation to click a hot link and submit my request. The link doesn't work. Fidelity provided documentation without me requesting it that the deposit wasn't made. I forwarded it to xoom customer service to no avail. DO NOT USE THEIR SERVICE unless you're prepared to lose your money or hire an attorney.