I have not used Prabhu for sending money. But XOOM is very convenient for me. It is so fast and convenient, I kid you not, once day I was on my phone using the XOOM app, almost ready to send the money. Then there was a little bit of dust on my screen; I tried to clean the dust with my hand and it got "swiped" accidentally. Before I realized, the money was ready for pick-up in Nepal. It's that quick!! LOL