Best companies for USD/BTN transfers
2 of 2 providers Last updated on 10 November 2026
Based on 7,000 USD transfer Best companies for USD/BTN transfers Sort Cheapest
Promoted Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 93.3616 BTN +0.27% vs mid-market	Recipient gets BTN 653,531.25 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Bhutan with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 93.3616 BTN BTN 653,531.25You pay$7,000.00
Run a live search Showing top United States to Bhutan deals for 7,000 USD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live USD to BTN rates.
Run a live search These companies offer multi-currency accounts for spending BTN. We suggest doing a live search based on how much USD you're planning to spend in Bhutan.
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 93.3616 BTN +0.27% vs mid-market	Recipient gets BTN 653,531.25 Minutes - 24 hours
9 reviews CheapestFastestOur top pick Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Bhutan with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 93.3616 BTN BTN 653,531.25You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 92.9678 BTN +0.69% vs mid-market	Recipient gets BTN 650,774.60 Minutes - 24 hours
2 reviews
Ways to receive money in Bhutan with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 92.9678 BTN BTN 650,774.60You pay$7,060.79
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $75.99 1 USD = 91.9800 BTN +1.76% vs mid-market	Recipient gets BTN 643,860.00 Minutes - 24 hours
2 reviews
Ways to receive money in Bhutan with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $75.991 USD = 91.9800 BTN BTN 643,860.00You pay$7,075.99

$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $140.00 1 USD = 91.9800 BTN +1.76% vs mid-market	Recipient gets BTN 643,860.00 Minutes - 24 hours
2 reviews
Ways to receive money in Bhutan with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $140.001 USD = 91.9800 BTN BTN 643,860.00You pay$7,140.00
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $179.99 1 USD = 91.9800 BTN +1.76% vs mid-market	Recipient gets BTN 643,860.00 Minutes - 24 hours
2 reviews
Ways to receive money in Bhutan with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 91.9800 BTN BTN 643,860.00You pay$7,179.99
How Our Results Work Mid-market rate: 1 USD = 93.6144 BTN Updates every 60 minutes.

Why compare

USD/BTN exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Bhutan

Pick a company

If you're sending a one-off transfer, then Regency FX is the best option.

Regency FX was the cheapest on 26 of the 26 days it quoted $7,000 transfers to Bhutan.

For recurring transfers, I'd suggest using an app like MoneyGram or a multi-currency account.

For large transfers, a broker like Regency FX is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to Bhutan, including bank transfer, cash deposit, debit card, and credit card.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to Bhutan?

How much USD you send to Bhutan heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from $5,000 it quoted, and in 100% of all the transfers it quoted.


$500	0.69%	$7.19	BTN 46,483.90with cash deposit to cash pickup	+BTN 2,030.40
$2,000	0.69%	$20.79	BTN 185,935.60with cash deposit to cash pickup	+BTN 3,669.90
$5,000	0.69%	$44.79	BTN 464,839.00with cash deposit to cash pickup	+BTN 4,496.63
$7,000This page	0.27%	$0.00	BTN 653,531.25with bank transfer to bank deposit	+BTN 6,354.08
$10,000	0.27%	$0.00	BTN 933,616.07with bank transfer to bank deposit	+BTN 9,077.26
$50,000	0.25%	$0.00	BTN 4,669,016.50with bank transfer to bank deposit	+BTN 46,135.20
$100,000	0.20%	$0.00	BTN 9,342,713.73with bank transfer to bank deposit	+BTN 96,014.98
$250,000	0.20%	$0.00	BTN 23,356,784.32with bank transfer to bank deposit	+BTN 240,037.46

Mid-market rate: 1 USD = 93.6144 BTN

USD/BTN Exchange Rate History

Is today a good time to send money from US to Bhutan?

The cheapest way to send USD to BTN can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 7,000 USD transfers to Bhutan.

Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

Understanding USD/BTN exchange rate

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more BTN per USD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of BTN on every transfer from the US.

Right now, Regency FX pays 653,531.25 BTN on 7,000 USD, which is 1,769.31 BTN less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 674,462.66 BTN.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Bhutan.

We've tracked 239 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

Regency FXAppeared in 135 comparisons
Cheapest every time
MoneyGramAppeared in 219 comparisons
Cheapest in 32% of them

Based on 239 comparisons across 8 amounts over the last 30 days.

Is the cheapest money transfer company always the best?

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most BTN, and it was also the cheapest in 100% of the 135 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Bhutan.

MoneyGram (today's second cheapest) was the cheapest in only 32% of its comparisons, so it's rarely the cheapest option for transfers to Bhutan.

Ways to send money from the US to Bhutan

There are 2 companies available for sending money from the US to Bhutan, across currency broker, online, app, and in person, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

MoneyGram charges $60.79 on a $7,000 transfer with 0.69% markup, saves your recipient's details for next time, and BTN arrives in minutes - 24 hours.

Over the past month, MoneyGram was the cheapest app on 100% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 650,774.60 BTN in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Bhutan.

Of all online companies listed here, MoneyGram gets you the most BTN per USD.

On a $7,000 transfer, you will get 650,774.60 BTN after a $60.79 fee and 0.69% markup.

In our comparisons over the past month, it was the cheapest online service on 27 of the 27 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to Bhutan (e.g. a property purchase, tuition, or moving to Bhutan), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/BTN that gets lower the more you send.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from $5,000 it quoted.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Ways to fund USD and receive BTN in Bhutan

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 653,531.25 BTN.

Deposit USD by bank transfer, cash deposit, debit card, and credit card.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Bhutan.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 650,774.60 BTN on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle and Cash App only send money within the US, so neither can send money to Bhutan.

Venmo now sends money internationally to PayPal users in 90+ countries.

Your recipient in Bhutan can collect BTN through bank deposit and cash pickup.

They can collect cash in Bhutan

Your recipient can collect BTN from a participating MoneyGram location in Bhutan.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

1

Bank transfer Bank deposit

You pay $7,000.00

Nu.653,531

Cheapest
2

Cash deposit Cash pickup

You pay $7,060.79

Nu.650,775

-Nu.2,757
3

Bank transfer Cash pickup

You pay $7,140.00

Nu.643,860

-Nu.9,671
4

Debit card Cash pickup

You pay $7,075.99

Nu.643,860

-Nu.9,671
5

Credit card Cash pickup

You pay $7,179.99

Nu.643,860

-Nu.9,671

Things to consider before sending USD to Bhutan

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/BTN company

Cheapest way to send money to Bhutan

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 653,531.25 BTN, which is 0.42% more than the next best option.

Fastest way to send money to Bhutan

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 653,531.25 BTN, with the money arriving in minutes - 24 hours.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Bhutan?

For transfers over $10,000, Regency FX is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Bhutan.

While Regency FX may not always be the cheapest or fastest way to send BTN, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Bhutan and the United States. 

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 239 comparisons across 8 amounts.

This page covers the cheapest and fastest options for USD/BTN transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Related transfer routes

Send money to Bhutan

Send money from India to Bhutan Send money from United Kingdom to Bhutan Send money from Australia to Bhutan

Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	96.6127	–	BTN 676,288.64
Regency FX Cheapest	96.3518	$0.00	BTN 674,462.66	−BTN 1,825.98
MoneyGram	94.9350	$60.79	BTN 664,545.00	−BTN 11,743.64

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.8964	–	BTN 671,274.89
Regency FX Cheapest	95.6375	$0.00	BTN 669,462.45	−BTN 1,812.44
MoneyGram	94.2966	$60.79	BTN 660,076.20	−BTN 11,198.69

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.0531	–	BTN 665,371.52
Regency FX Cheapest	94.7964	$0.00	BTN 663,575.01	−BTN 1,796.51
MoneyGram	93.9724	$60.79	BTN 657,806.80	−BTN 7,564.72

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.1447	–	BTN 666,012.92
Regency FX Cheapest	94.8878	$0.00	BTN 664,214.69	−BTN 1,798.23
MoneyGram	93.9130	$60.79	BTN 657,391.00	−BTN 8,621.92

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
MoneyGram Cheapest	93.7992	$60.79	BTN 656,594.40	–
Regency FX No quote collected this day	–	–	–	–

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.0505	–	BTN 665,353.38
Regency FX Cheapest	94.7938	$0.00	BTN 663,556.93	−BTN 1,796.45
MoneyGram	93.9650	$60.79	BTN 657,755.00	−BTN 7,598.38

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.2029	–	BTN 666,420.45
Regency FX Cheapest	94.9459	$0.00	BTN 664,621.12	−BTN 1,799.33
MoneyGram	93.8660	$60.79	BTN 657,062.00	−BTN 9,358.45

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.8893	–	BTN 664,224.83
Regency FX Cheapest	94.6331	$0.00	BTN 662,431.42	−BTN 1,793.41
MoneyGram	93.9501	$60.79	BTN 657,650.70	−BTN 6,574.13

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
MoneyGram Cheapest	93.8413	$60.79	BTN 656,889.10	–
Regency FX No quote collected this day	–	–	–	–

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
MoneyGram Cheapest	93.4330	$60.79	BTN 654,031.00	–
Regency FX No quote collected this day	–	–	–	–

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
MoneyGram Cheapest	93.8017	$60.79	BTN 656,611.90	–
Regency FX No quote collected this day	–	–	–	–

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.8186	–	BTN 663,730.08
Regency FX Cheapest	94.5626	$0.00	BTN 661,938.01	−BTN 1,792.07
MoneyGram	93.9625	$60.79	BTN 657,737.50	−BTN 5,992.58

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.6800	–	BTN 662,759.92
Regency FX Cheapest	94.4244	$0.00	BTN 660,970.46	−BTN 1,789.46
MoneyGram	93.9650	$60.79	BTN 657,755.00	−BTN 5,004.92

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.3406	–	BTN 667,384.07
Regency FX Cheapest	95.0832	$0.00	BTN 665,582.14	−BTN 1,801.93
MoneyGram	94.1580	$60.79	BTN 659,106.00	−BTN 8,278.07

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.2265	–	BTN 666,585.76
Regency FX Cheapest	94.9694	$0.00	BTN 664,785.98	−BTN 1,799.78
MoneyGram	94.0417	$60.79	BTN 658,291.90	−BTN 8,293.86

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.0070	–	BTN 665,048.66
Regency FX Cheapest	94.7504	$0.00	BTN 663,253.03	−BTN 1,795.63
MoneyGram	94.2149	$60.79	BTN 659,504.30	−BTN 5,544.36

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.2074	–	BTN 666,451.57
Regency FX Cheapest	94.9503	$0.00	BTN 664,652.15	−BTN 1,799.42
MoneyGram	94.2297	$60.79	BTN 659,607.90	−BTN 6,843.67

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.7830	–	BTN 663,480.98
Regency FX Cheapest	94.5271	$0.00	BTN 661,689.58	−BTN 1,791.40
MoneyGram No quote collected this day	–	–	–	–

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	95.1714	–	BTN 666,199.98
Regency FX Cheapest	94.9145	$0.00	BTN 664,401.24	−BTN 1,798.73
MoneyGram	93.8610	$60.79	BTN 657,027.00	−BTN 9,172.97

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.8112	–	BTN 663,678.41
Regency FX Cheapest	94.5552	$0.00	BTN 661,886.48	−BTN 1,791.93
MoneyGram	93.8017	$60.79	BTN 656,611.90	−BTN 7,066.51

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.2915	–	BTN 660,040.75
Regency FX Cheapest	94.0369	$0.00	BTN 658,258.63	−BTN 1,782.11
MoneyGram	93.6581	$60.79	BTN 655,606.70	−BTN 4,434.05

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.5768	–	BTN 662,037.78
Regency FX Cheapest	94.3215	$0.00	BTN 660,250.27	−BTN 1,787.51
MoneyGram	93.5493	$60.79	BTN 654,845.10	−BTN 7,192.68

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.5276	–	BTN 661,693.07
Regency FX Cheapest	94.2724	$0.00	BTN 659,906.50	−BTN 1,786.57
MoneyGram	93.4132	$60.79	BTN 653,892.40	−BTN 7,800.67

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	93.8586	–	BTN 657,010.40
Regency FX Cheapest	93.6052	$0.00	BTN 655,236.47	−BTN 1,773.93
MoneyGram	92.9455	$60.79	BTN 650,618.50	−BTN 6,391.90

Sun, Nov 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	94.0514	–	BTN 658,359.72
Regency FX Cheapest	93.7974	$0.00	BTN 656,582.14	−BTN 1,777.58
MoneyGram	92.9455	$60.79	BTN 650,618.50	−BTN 7,741.22

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