How to send money to Tunisia

Are you looking for a way to send money to Tunisia without spending too much in fees?

When you need to get money to a loved one overseas, the last thing you want to have to deal with is navigating a potentially complicated and expensive process. Sending money from the United States to Tunisia doesn’t have to be expensive. Compare the transfer fees and exchange rates of the many options available to you to get the most Tunisian dinars for your dollar.From bank transfers and online transactions to options that allow recipients to collect your funds within minutes, sending an international money transfer to Tunisia is easy. However, do your research and shop around for the best available deal.

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    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
    USD 1,000 1 day USD 0.00 2.462 Online, Phone, Bank Account to Bank Account TND 12,308 Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for 100+ currencies.
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    USD 100 3 - 5 days USD 5.00 2.459 Online, Phone TND 12,284 Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000. Go to site Show details
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    There are instances when people wish to send money to Tunisia from America. While you can do this in different ways, picking the right method can save you time as well as money.

    Case study - Banks vs money transfer companies
    Work took Karim Elhamdi to the U.S. However, his wife and son continue living in Tunisia. Since the money his wife earns is not enough to keep their existing lifestyle going, he needs to send them some money periodically. He figures he can afford sending around $1,500 every month.

    The U.S. bank Karim has an account with does not transfer funds to Tunisia, given that the Tunisian dinar is an exotic currency. While he can turn to other banks, he decides to compare money transfer companies instead. After his online research, this is what he finds.

    Money transfer service 1Money transfer service 2
    Exchange rate$1 = TND $1.4308$1 = TND $1.37396
    Transfer fee$8.95$14.99
    Amount received for $1,500TND $2,133.394TND $2,040.00
    Transfer time2-3 days1 day
    Transfer optionsBank accountCash pickup
    Difference ofTND93.394

    Karim’s wife has an account with a bank in Tunisia, so he decides to use the services for the first company. While his wife will have to wait a little longer to receive the money, neither of them is in a hurry for the transfer to go through. The fact that she stands to receive considerably more money through the first service provider is what clinches the deal.

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    How do I compare transfer companies when sending money to Tunisia?

    There are a number of money transfer companies that let you send money to Tunisia from the U.S., so comparing a few is important. Pay attention to these aspects to arrive at a decision.

    • Exchange rate and fees. Both can be misleading. While high fees might accompany a seemingly competitive exchange rate, you may end up getting an unfavourable rate through a service provider that does not charge fees. An easy way to decide is by comparing how much money the recipient stands to receive.
    • How you can send money. Banks that offer money transfer services to Tunisia can let you do so online, over the phone or in person. You can send money in person by visiting a money transfer company’s store or kiosk. Several money transfer companies limit their operations to the online world. Some let you initiate the process over the phone as well.
    • Using the same bank. If you and the recipient have accounts with the same bank, you can think about using its services to send money to Tunisia. This is because you may be able to save in fees and benefit through a quicker turnaround time.
    • Processing time. If you’re sending money that the recipient will collect from a cash pickup location, the transfer can take place almost immediately. With transfers to bank accounts, while money transfer companies tend to take one to three days, banks can take longer.
    • Transfer options. If you plan to send money to Tunisia on a regular basis, you should consider working with a company that lets you schedule payments. This way you don’t have to go through the entire process before each transfer. Some money transfer companies let you purchase forward contracts, which allow you to lock in an ideal exchange rate now and transfer the money later, or market orders, which allow you to take advantage of changing market conditions by executing the money transfer when a certain exchange rate is met.
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    Foreign exchange rates explained
    The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it will yield more money when exchanging it in a country with a weak currency. For example, in December 2016, the U.S dollar was worth approximately 19 Mexican pesos. However, most countries’ exchange rates are flexible, which means it can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.

    What are my options for sending money to Tunisia from the U.S.?

    • Banks. If your bank allows fund transfers to Tunisian accounts, you may be able to initiate the process by visiting a branch, over the internet or over the phone. Remember that banks tend to charge fees for international money transfers. You can also consider sending a bank-issued check, draft or money order to Tunisia by mail.
    • Non-banks. Money transfer companies such as Western Union and MoneyGram let you send money to Tunisia from the U.S., to banks accounts and to cash pickup locations. You can also use PayPal, provided you and the recipient have accounts with this service provider. You don’t have to pay any fees to open a PayPal account.

    How do international money transfers work?

    An international money transfer allows you to send money to a recipient overseas. Generally, a transfer involves you providing funds to a bank or an independent transfer provider, which then sends the money to your recipient in another country — in this case, Tunisia. This can be done in person, over the phone, through a mobile app or online. You can use cash, a credit or debit card, or transfer funds from your bank account, which will then either be deposited into your recipient’s bank account or mobile wallet, or made available as cash for them to pick up at a location in their country.
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    Tips for picking up cash in Tunisia

    There has reportedly been an increase in instances of petty crimes such as bag snatching, pickpocketing, theft and scams in Tunisia. As a result, when you collect money from a cash pickup location, remain vigilant. Theft of valuable items from hotel rooms and vehicles is not uncommon.

    You should exchange foreign currency only through banks or authorized dealers. Keep receipts for all the dinars you obtain. Before you leave Tunisia you can convert a maximum of 3,000 Tunisian dinars to foreign currency. You cannot take Tunisian dinars out of the country.

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    What are the steps to send money to Tunisia?

    The steps involved in sending money to Tunisia depend on the method you choose.

    • Transfer to bank account. When sending money through your bank, you’ll have to provide the recipient’s name, account number, bank’s name and bank’s routing number. If you’re using a service provider other than your bank, you’ll have to provide details of your bank account, debit card or credit card. You can use the reference number you get to track the transfer’s progress at any stage.
    • Cash pickup. If you’re sending money in person, you’ll have to provide the recipient’s name and a desired cash pickup location. When sending money online or over the phone, be prepared to provide your bank account, debit card or credit card details as well. After you initiate the transfer you’ll get a reference number. Pass this onto the recipient.
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