Alright so since no one has used them so far, I decided to test myself. I used Xoom a few days ago.
- My client (US based) initiated the transaction from Xoom to my local bank account
- I got an email from them (Xoom) notifying me about it with a link to track the transaction
- 5 minutes later: BOOM! I received a text message from my bank that the money had arrived.
The rate was PKR 100.38 that day. On the whole, a pretty good experience. With WU they deducted so much in fees and the money took at least 3 days to arrive. But this was pleasantly fast so I'm definitely using them again.