How to send money to the United States

Compare money transfer services and save when sending money to the U.S.

When you need to get money to a loved one overseas, the last thing you want to deal with is navigating a potentially complicated and expensive process. Sending money to the United States doesn’t have to be expensive. Compare the transfer fees and exchange rates of the options available to you to get the best deal.
World First Foreign Exchange

World First International Money Transfers

Most Convenient money transfers with excellent customer service. Send to 140+ currencies in 45 countries.

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  • Enjoy competitive exchange rates.
  • Get even better exchange rates with forward contracts and limit orders.
  • Receive weekly updates on market exchange rates.

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    Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options.

    With over 17 years of foreign exchange expertise and over $100 billion transferred, OFX can help with all your currency exchange needs, including:

    • Buying property abroad
    • Emigrating
    • Regular overseas payments
    • Risk management
    • Forecasting
    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
    World First Foreign Exchange
    USD 1,000 1 day - - Online Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for more than 100 currencies.
    Go to site View details
    OFX International Money Transfers
    USD 150 1 day - - Online, Bank Account to Bank Account Send safe, no-limit transfers with no fees and competitive exchange rates. Go to site View details
    HiFX International Money Transfers
    USD 100 2 days MXN 165.00 0.056 Online USD 272 Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000. Go to site View details
    TorFX International Money Transfers
    USD 150 1 day - - Online, Phone, Agent No hidden fees and a best rate guarantee for 60 global currencies. Go to site View details
    Do you send money often? Track this rate with tailored alerts direct to your inbox

    Compare up to 4 providers

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    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, the USA. 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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    Banks vs. money transfer companies

    We use our banks to take care of all our other financial needs, so surely we should use them when we need to send an international money transfer, right? Not necessarily. While major banks offer money transfer services, they usually present less competitive exchange rates coupled with high transfer fees.

    You can often save money by using the services of a dedicated money transfer company. These providers specialize in handling overseas money transfers, offering attractive exchange rates and affordable transfer fees. This translates to big savings for you.

    Today’s exchange rates

    Refreshing in: 60s | Tue, 25 Jul 02:40am GMT
    1 USD = 1.0000 1.2621 Inverse: 0.7923 1.2516 Inverse: 0.7990 0.859101 Inverse: 1.1640 6.7487 Inverse: 0.1482 0.76759 Inverse: 1.3028 64.388979 Inverse: 0.0155 17.7038 Inverse: 0.0565 50.709999 Inverse: 0.0197
    1 AUD = 0.7923 Inverse: 1.2621 1.0000 0.9917 Inverse: 1.0084 0.6807 Inverse: 1.4691 5.3472 Inverse: 0.1870 0.6082 Inverse: 1.6442 51.0172 Inverse: 0.0196 14.0272 Inverse: 0.0713 40.1790 Inverse: 0.0249
    1 EUR = 1.1640 Inverse: 0.8591 1.4691 Inverse: 0.6807 1.4569 Inverse: 0.6864 1.0000 7.8555 Inverse: 0.1273 0.893481 Inverse: 1.1192 74.949284 Inverse: 0.0133 20.6074 Inverse: 0.0485 59.0268 Inverse: 0.0169
    1 GBP = 1.3028 Inverse: 0.7676 1.6442 Inverse: 0.6082 1.6305 Inverse: 0.6133 1.1192 Inverse: 0.8935 8.7921 Inverse: 0.1137 1.0000 83.884587 Inverse: 0.0119 23.0641 Inverse: 0.0434 66.0639 Inverse: 0.0151
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    Case Study: Michael sends money to the U.S.

    The tech company that Michael works for in California is transferring him to their offices in London for a year to spearhead a new department there. He doesn’t want to uproot his family, so his wife and kids will be staying behind in the U.S. Because he will be sending money home on a regular basis, he compares two money transfer providers to ensure that he gets the best deal. Michael figures he will be transferring $2,000 to his wife each month.

    Money transfer service 1Money transfer service 2
    Exchange rate1 EUR = 1.056 USD1 EUR = 1.072 USD
    Transfer fee$0$10
    Transfer time2 days2 days
    Transfer optionsOnline, phoneOnline, phone
    Amount received less the transfer fee$2,113 USD$2,134 USD

    What’s the difference?

    Although the first service provider doesn’t charge a fee, the second provider’s superior exchange rate allows Michael’s wife to receive $21 more.

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    How do I compare transfer companies when sending money to the U.S.?

    Michael’s case highlights the importance of looking at all of the features of a transfer company before making a final decision. When doing your own research, check the following with each company you’re interested in:

    • Competitive exchange rate. Small differences in the exchange rate can make a big difference when transferring large amounts of money. This is an area where you could potentially incur losses if you are not careful.
    • Little to no fees. Fees can vary greatly depending on the institution and the currencies involved.
    • A range of transfer methods. Can transfers be placed online, over the phone, by visiting a branch and/or by using a mobile app?
    • Turnaround time. Will the funds be available for your beneficiary in minutes, or will they take several working days to arrive?
    • Convenient pick-up methods. Can your beneficiary pick up the cash from their nearest transfer agent, or will the funds be deposited into their bank account?
    • Reliable customer service. What sort of customer support is offered and during what hours can you receive assistance?
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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.
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    Ways to send money to the U.S.

    As one of the world’s most widely accepted currencies, you will find there is a large number of ways in which you can transfer your money to the U.S.

    • Bank transfers. Most major banks offer wire transfers to the U.S.
    • Money transfer providers. Online providers like TransferWise and WorldRemit can help you transfer money quickly and easily. World First and OFX are both trusted partners of and are offering Finder readers an exclusive deal of $0 in fees.
    • Transfer companies with cash pickup. Providers like Western Union and MoneyGram offer this service — your recipient can sometimes pick up the cast within minutes.
    • PayPal. You can send money abroad using your PayPal account.
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    Find a money transfer location near you

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    What documentation do I need?

    To send money using a money transfer provider, you should make note of the following:

    • The recipient’s full name. The beneficiary of a cash transfer will need to show photo identification. Be sure that the name you put on the order is the same as what shows on the ID.
    • Your full name. As an additional security measure, the agent may ask for the name of the sender, be sure that the recipient knows your complete name.
    • Your recipient’s contact information. Have the address and phone number of the person receiving the funds. They should also have this information for you.
    • Transaction number. There will be a transaction number given when you make the transfer. Your recipient will need to give this to the agent before the cash is released.
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    Tips for picking up cash in the U.S.

    Whether you’re picking up cash in the U.S. or any other country, take a safety-first approach. Use common sense, such as keeping your cash hidden and depositing it with your bank as soon as possible. Taking a friend along with you to collect the funds is also a good idea.

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    Compare USD exchange rates

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    Sending money to a particular state in the US?

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    How safe is a money transfer?

    When processed through a reputable provider, your funds are safely tracked until in the hands of your recipient. When sending money internationally, federal protections are in place that require banks, credit unions and money transfer companies to, for example, disclose all fees upfront and give you 30 minutes to cancel a transfer, assuming it hasn’t yet been picked up or deposited.

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