I send money regularly to Brazil and Xoom has been great! It's much less expensive than Western Union and you can send money from home, using your computer, instead of having to find a Western Union agency! In Brazil the money can be deposited to the recipient's bank account or picked up at any Banco Itaú branch. Itaú is one of the 2 biggest banks there, with thousands of branches around Brazil, so it's very convenient for recipients. I've only had one instance of money being delayed and the Xoom customer service team were helpful and responsive. It appears that the delay was a problem with Itaú, not Xoom, and the money was available for pick up the following day. But that was only once and now everything seems to work very smoothly.
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