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How to send money to Tajikistan
Find competitive exchange rates and flexible transfer methods when you need to send money to Tajikistan.
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Banks vs. money transfer services
Banks may be useful for sending some highly-traded currencies, but you’ll find that many don’t work with an exotic currency like the somoni. This means you’ll be out of luck if you were hoping to make a money transfer through your bank.
But that doesn’t mean you don’t have options. You may be able to find money transfer companies that can send money to Tajikistan. Your exchange rate and the fees you pay will vary by provider, but in general, it will be cheaper than the rates you might have gotten from your bank.
Case Study: Farzin Sends Money to Tajikistan
While Farzin is spending a few years working in the United States, he frequently sends money home to his family in Tajikistan. He has saved 1,000, but he is dismayed when he discovers the $60 fee his bank wants to charge him for transfering an exotic currency. Farzin decides to shop around for a better deal from two popular money transfer companies.
|Money transfer company 1||Money transfer company 2|
|Exchange rate||9.40 TJS||9.35 TJS|
|Transfer method||Cash pickup||Cash pickup|
|Processing time||1 hour for cash pickup||10 minutes|
|Amount received||9,400 TJS||9,350 TJS|
Not only will Farzin save money on fees by using the first provider, he’ll also be able to send an extra 50 TJS, making this the clear choice for his needs.
Options for sending money to Tajikistan from America
- Bank transfers. You may be able to find a bank that can send money to a Tajikistani account, but it will be difficult and likely cost you extra in fees.
- Online money transfer providers. Often cheaper than banks, money transfer providers still may not be the best choice if your recipient lacks a bank account.
- Money transfer companies with cash pickup options. Western Union and MoneyGram both have agent locations in Tajikistan, which means your recipient will be able to pick up their money in cash.
Foreign exchange rates explained
Exchange rate is the method used by banks and international companies to determine how much currencies are worth when traded with one another. The actual amount depends on various economic factors like inflation and interest rates, which can impact the exchange rate you’re given by a money transfer service.
What are the steps to send money to Tajikistan?
- Find a money transfer provider that can send money to Tajikistan.
- Register with the provider and start a transaction.
- Supply your recipient’s information and enter how much you want to send.
- Pay for your transfer and save your tracking number.
You can keep tabs on the progress of your transfer by using your tracking number. If you run into any trouble, it can also be used to help you work with customer service to sort out problems.
Emergency cash transfers in Tajikistan
If you ever have to send an emergency transfer, perhaps to help out a family member in desperate need of cash, you may need to work with a service like MoneyGram or Western Union to quickly get a cash transfer to your recipient. You’ll need to be prepared to pay extra for the service, so it’s always a good idea to make sure you know all the details of a transaction before you hand over your money. Higher fees and lower exchange rates are common features of emergency transfers, so don’t be surprised if you have to pay a little bit more.
Tips for picking up cash in Tajikistan
- Only visit a transfer agent in an area you know to be safe.
- Phone ahead to confirm when an agent will be open.
- Don’t travel alone if possible; take a friend.
- Don’t flash your cash in public and attract unwanted attention.
- Avoid carrying large sums of money around for any longer than is absolutely necessary.
You may have some limited options when it comes to sending money to Tajikistan, but there are still ways you can send money to your recipient. By comparing your rates, you can get the money your recipient needs without spending too much on fees and sacrificing good exchange rates. Read our international money transfer guide to better understand the process and learn more ways you can send money to Tajikistan.Back to top
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