How to send money to Jamaica

Transferring money to loved ones on this Caribbean island can be a breeze.

Last updated:

You have choices when you need to send money to friends, family or colleagues in Jamaica from New Zealand. To be sure to get the best exchange rates and transfer times, compare a host of providers to get the best deal.

Compare international money transfers to Jamaica

Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds to Jamaica with our money transfer partners.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
NZD 1 Within an hour NZD 3.99 87.09 JMD
435,100
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
NZD 0 1 day NZD 0.00 86.565 JMD
432,824
Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
NZD 2,000 2 days NZD 0.00 86.565 JMD
432,824
Exclusive offer: $0 transfer fee and discounted exchange rates for your first trade only.
A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.
Go to site Show details

Compare up to 4 providers


The “Rate” and “Amount Received” displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

Banks versus money transfer companies

You might think that your bank is the best way to send money overseas. While banks do offer a convenient transfer solution, they offer a disappointing deals. With high transaction fees and poor exchange rates means even a small transfer can end up costing much more than you planned for.

In recent years, online transfer companies have stepped up the transfer game, offering competitive exchange rates and fees. Providers like XE and WorldRemit, specialize in moving money internationally, while MoneyGram and Western Union have handy cash locations where you can transfer money quickly.

How to compare transfer companies when transferring money to Jamaica

By comparing a few elements of your transfer, you can ensure that you get the cheapest deal for your needs.

  • Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate — the rate banks and transfer services use when they trade among themselves — and look for the smallest margin between them.
  • Transfer fees. Find out whether the provider charges a flat fee or a percentage of your transfer. If you’re sending a large amount, ask whether you qualify for a fee-free transfer.
  • Payment and delivery options. Some transfer companies allow you to pay with a credit card online, by phone or through an app. Others offer agent locations for cash payments and pickups. Also ask how your recipient can receive your funds: bank account, cash pickup, mobile wallet and more.
  • Transfer speeds. If it needs to be there fast, companies like Western Union and MoneyGram allow for quick cash pickups, often in minutes. If you have more time, you’ll get better rates and fees with an independent provider.
  • Transfer limits. Your best option might depend on how much you want to send. For large transfers, weigh the best exchange rate — especially since providers encourage large transfers by offering low fees. For smaller amounts, consider the fees you’ll pay on top of the exchange rate.
  • Flexible transfer options. Ask whether you can schedule payments ahead of time or protect your transfer against market fluctuations with a limit order or forward contract.
  • Customer support. Most companies offer customer service by Internet chat, phone, in person or by email. Make sure help will be available if you need it.

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 yields more money when exchanging it in a country with a weak currency. Most countries’ exchange rates are flexible, which means they can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.
Currency exchange rate for Jamaica

Steps to send money to Jamaica

  1. Register for an account with a provider, supplying your name, address, contact details, proof of ID and information about your selected payment method.
  2. Supply your recipient’s name, contact information and bank account details as required.
  3. Enter the amount of your transfer and complete the transaction.
  4. Keep track of any receipt you receive so you can monitor the progress of your transfer.
Back to top

What are the ways that I can send money to Jamaica

  • Bank transfers. Many major New Zealand banks will allow you to send money to Jamaica.
  • Money transfer providers. Providers like Ria and TransferWise can help you quickly and easily transfer your money online.
  • Providers with cash pickup. Western Union and MoneyGram allow you to send funds for cash pickup at agent locations.
  • PayPal. Electronic payment giant PayPal allows you to send money from New Zealand to Jamaica.
  • Checks and money orders. Although not a quick option, you could send an international check overseas, obtained from your bank or postal service.

How safe is a money transfer?

When you use a reputable provider, your funds are safely tracked until in the hands of your recipient. There are protections 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.

Back to top

Same-day transfers to Jamaica

You might need to send an emergency cash transfer to Jamaica— for example, if a family member is in trouble and needs money fast. When you need to transfer funds urgently, your fastest possible transfer will often be your most expensive option. Carefully review the exchange rate and transfer fee against your needs so that you understand exactly how much it will cost you.

Back to top

Tips for picking up cash in Jamaica

Whether picking up funds in Kingston, or anywhere else around the world, take a few simple safety precautions to prevent yourself becoming a target for thieves.

  • Call ahead. Learn the company’s business hours and choose a safe time to pick up your cash. Daylight hours are best.
  • Bring a friend. Carrying money when alone can be dangerous. Ask a friend to come along.
  • Deposit your money immediately. The likelihood of losing your money to theft or simple carelessness grows the longer you have it with you. Go straight to a bank and deposit your cash as soon as possible.
  • Keep your cash hidden. Place your money in your purse or wallet before leaving the office. Carrying cash out in the open could make you a target.

Cash pickup locations in Jamaica

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site