I used it for a while until they put one of my wires on hold for review (even though they already had copies of my IDs etc. from previous wires). Talked to some hard to understand and unfriendly call center agent in India (worst customer service so far). After all sorts of questions the guy told me he would approve it, but the wire never went through. Switched to Ria after that. At the beginning they were a lot slower than Xoom but the latest wires went through within a couple of work days. Also Ria's exchange rate is usually better and the fees lower than Xoom's. Before I had my own cuil/cuit and bank account I had wired the money to my wife.