How to send money to Jamaica from the UK

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

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

WorldRemit International Money Transfers

Send money to 140+ countries for bank deposit, instant e-wallet, mobile top-up or cash pickup at 30,000+ agent locations worldwide.

  • Low upfront fees and exchange rates.
  • Easy to use with round-the-clock help.
  • Get cash to family and friends in minutes.

    Compare services that send money to Jamaica from the UK

    Table: sorted by a combination of service offering and the amount your recipient will receive

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    USD 1 1 - 2 days GBP 0.00 180.011 JMD
    180,011
    Whatever amount you transfer, XE will not charge you a fee for using their service. Go to site Show details
    GBP 1,000 1 - 2 days GBP 0.00 180.011 JMD
    180,011
    Better exchange rates for Finder customers.
    Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.
    Go to site Show details
    GBP 50 Same day GBP 2.99 181.084 JMD
    180,542
    Use promo code 3FREE to send your first 3 transfers with no fee.
    Send money online anytime, anywhere, with a simple to use platform and transparent fees and exchange rates shown upfront.
    Go to site Show details

    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

    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 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, specialise 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

    Case Study: Case study: Carter sends money to Jamaica

    Carter is on vacation in London when he gets an emergency call from his sister Veronica in Jamaica. Veronica has been involved in a car accident and needs some money quickly to get her vehicle back on the road. Carter offers to send her £1,000 to help, but is disappointed to see that his bank will offer a low exchange rate and also charge a £25 fee for the transfer. He compares two money transfer companies to see if he can find a more cost-effective transfer option.

    Big-name transfer providerOnline money transfer specialist
    Exchange rate1 GBP = 167.36 JMD1 GBP = 163.77 JMD
    Transfer fee£7.99£13.99
    Transfer speedIn minutes1-3 days
    Transfer optionsCash pickupCash pickup
    Total JMD received for £1,000
    167,360 JMD163,770 JMD

    Carter’s choice is clear: the big-name provider offers a better exchange rate, smaller transfer fees and a quicker transfer speed, sending 3,590 Jamaican dollars.

    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.

    What are the ways that I can send money to Jamaica

    • Bank transfers. Many 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 all over the world.

    How safe is a money transfer?

    When you use a reputable provider, your funds are safely tracked until in the hands of your recipient. It’s industry standard for international money services to use 128-bit SSL encryption systems at a minimum. Many also are licensed with UK financial regulators.

    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.

    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

    Global Reach
    Global Reach
    Send money overseas in a few simple steps Lock in your exchange rate for up to two years Best exchange rate guarantee Personalised quotes and professional customer service
    WorldRemit
    WorldRemit
    Use the code 3FREE to pay no fees on your first three money transfers Choose how you want to send your money - via bank transfer, cash pickup or mobile money Instant money transfers available
    Currencies Direct
    Currencies Direct
    Currencies Direct make moving money abroad simple, swift and secure. Great rates, no fees and expert support whether you transfer online, over the phone or by app. Available in more than 200 countries and 40 currencies
    TransferWise
    TransferWise
    Sign up and start sending money within minutes with this peer-to-peer transfer service Transfer money at the mid-market exchange rate No hidden fees Transfers from pounds typically only take one day
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