Compare the best ways to send money from United States to Bosnia and Herzegovina

We compared 3 companies sending money from the United States to Bosnia and Herzegovina. Regency FX is the best and cheapest, while Regency FX is the fastest.

Sending $7,000 with Regency FX gets your recipient 12,274.04 BAM at 1.7534 BAM per USD.

Best companies for USD/BAM transfers

3 of 3 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/BAM transfers

Sort Cheapest
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 1.6833 BAM +4.35% vs mid-market Recipient gets KM 11,783.10 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Bosnia with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 1.6833 BAM
KM 11,783.10You pay$7,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 1.7534 BAM +0.27% vs mid-market Recipient gets KM 12,274.04 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Bosnia with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 1.7534 BAM
KM 12,274.04You pay$7,000.00

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Showing top United States to Bosnia and Herzegovina deals for 7,000 USD. Do a live search with your exact amount for today's best rates.
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Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 1.7534 BAM +0.27% vs mid-market Recipient gets KM 12,274.04 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Bosnia with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 1.7534 BAM
KM 12,274.04You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 1.7271 BAM +1.78% vs mid-market Recipient gets KM 12,089.70 Minutes - 24 hours

Ways to receive money in Bosnia with MoneyGram when paying by cash deposit.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$60.791 USD = 1.7271 BAM
KM 12,089.70You pay$7,060.79
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $5.99 1 USD = 1.7002 BAM +3.35% vs mid-market Recipient gets KM 11,901.40 Minutes - 24 hours

Ways to receive money in Bosnia with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$5.991 USD = 1.7002 BAM
KM 11,901.40You pay$7,005.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $75.99 1 USD = 1.7002 BAM +3.35% vs mid-market Recipient gets KM 11,901.40 Minutes - 24 hours

Ways to receive money in Bosnia with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$75.991 USD = 1.7002 BAM
KM 11,901.40You pay$7,075.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $179.99 1 USD = 1.7002 BAM +3.35% vs mid-market Recipient gets KM 11,901.40 Minutes - 24 hours

Ways to receive money in Bosnia with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$179.991 USD = 1.7002 BAM
KM 11,901.40You pay$7,179.99

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 1.6833 BAM +4.35% vs mid-market Recipient gets KM 11,783.10 Minutes - 24 hours
FastestRecommended
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Bosnia with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 1.6833 BAM
KM 11,783.10You pay$7,000.00

Xe

Pay via Debit card
Fee $35.00 1 USD = 1.6833 BAM +4.35% vs mid-market Recipient gets KM 11,724.18 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Bosnia with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 1.6833 BAM
KM 11,724.18You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 1.6833 BAM +4.35% vs mid-market Recipient gets KM 11,429.61 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Bosnia with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 1.6833 BAM
KM 11,429.61You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 1.7582 BAM Updates every 60 minutes.

How to send money from US to Bosnia and Herzegovina

Pick a company

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

Regency FX was the cheapest on 29 of the 29 days it quoted $7,000 transfers to Bosnia and Herzegovina.

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

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 Bosnia and Herzegovina, including bank transfer, debit card, credit card, and cash deposit.

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

You can use a debit card, Apple Pay and Google Pay for quicker deposit but its 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 Bosnia and Herzegovina?

How much USD you send to Bosnia and Herzegovina 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.

Cheapest service
$500-0.53%$0.99KM 883.75with remitly wallet to bank deposit+KM 16.12
$2,000$0.99KM 3,510.20with remitly wallet to bank deposit+KM 79.35
$5,0000.65%$0.99KM 8,734.00with remitly wallet to bank deposit+KM 145.25
$7,000This page0.27%$0.00KM 12,274.04with bank transfer to bank deposit+KM 398.44
$10,0000.27%$0.00KM 17,534.34with bank transfer to bank deposit+KM 372.07
$50,000$404.79KM 86,355.00with cash deposit to cash pickup+KM 12,506.75
$100,0000.20%$0.00KM 175,466.46with bank transfer to bank deposit+KM 5,832.95
$250,0000.20%$0.00KM 438,666.16with bank transfer to bank deposit+KM 14,489.73

Mid-market rate: 1 USD = 1.7582 BAM

USD/BAM Exchange Rate History

Is today a good time to send money from US to Bosnia and Herzegovina?

The cheapest way to send USD to BAM 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 Bosnia and Herzegovina.

BAM received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rateKM 12,307.27 Regency FX KM 12,274.04Regency FXKM 12,274.04MoneyGramKM 12,089.70XeKM 11,783.10

11,400
11,600
11,800
12,000
12,200
12,400
At the mid-market rateWith the cheapest optionRegency FXMoneyGramXe
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7208 – KM 12,045.38
Regency FX Cheapest 1.7161 $0.00 KM 12,012.86 −KM 32.52
MoneyGram 1.6918 $60.79 KM 11,842.60 −KM 202.78
Xe 1.6468 $0.00 KM 11,527.60 −KM 517.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7248 – KM 12,073.64
Regency FX Cheapest 1.7201 $0.00 KM 12,041.04 −KM 32.59
MoneyGram 1.6977 $60.79 KM 11,883.90 −KM 189.74
Xe 1.6480 $0.00 KM 11,536.00 −KM 537.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7257 – KM 12,080.03
Regency FX Cheapest 1.7211 $0.00 KM 12,047.42 −KM 32.61
MoneyGram 1.6946 $60.79 KM 11,862.20 −KM 217.83
Xe 1.6537 $0.00 KM 11,575.90 −KM 504.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7409 – KM 12,186.21
Regency FX Cheapest 1.7362 $0.00 KM 12,153.31 −KM 32.90
MoneyGram 1.7061 $60.79 KM 11,942.70 −KM 243.51
Xe 1.6621 $0.00 KM 11,634.70 −KM 551.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7405 – KM 12,183.61
Regency FX Cheapest 1.7358 $0.00 KM 12,150.72 −KM 32.89
MoneyGram 1.7110 $60.79 KM 11,977.00 −KM 206.61
Xe 1.6908 $0.00 KM 11,835.60 −KM 348.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7370 – KM 12,159.15
Regency FX Cheapest 1.7323 $0.00 KM 12,126.32 −KM 32.83
MoneyGram 1.7110 $60.79 KM 11,977.00 −KM 182.15
Xe 1.6909 $0.00 KM 11,836.30 −KM 322.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7395 – KM 12,176.30
Regency FX Cheapest 1.7348 $0.00 KM 12,143.42 −KM 32.88
MoneyGram 1.7110 $60.79 KM 11,977.00 −KM 199.30
Xe 1.6723 $0.00 KM 11,706.10 −KM 470.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7427 – KM 12,198.75
Regency FX Cheapest 1.7380 $0.00 KM 12,165.82 −KM 32.93
MoneyGram 1.7177 $60.79 KM 12,023.90 −KM 174.85
Xe 1.6693 $0.00 KM 11,685.10 −KM 513.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7387 – KM 12,171.15
Regency FX Cheapest 1.7340 $0.00 KM 12,138.29 −KM 32.86
MoneyGram 1.7121 $60.79 KM 11,984.70 −KM 186.45
Xe 1.6667 $0.00 KM 11,666.90 −KM 504.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7465 – KM 12,225.39
Regency FX Cheapest 1.7418 $0.00 KM 12,192.38 −KM 33.01
MoneyGram 1.7193 $60.79 KM 12,035.10 −KM 190.29
Xe 1.6724 $0.00 KM 11,706.80 −KM 518.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7433 – KM 12,203.21
Regency FX Cheapest 1.7386 $0.00 KM 12,170.26 −KM 32.95
MoneyGram 1.7211 $60.79 KM 12,047.70 −KM 155.51
Xe 1.6670 $0.00 KM 11,669.00 −KM 534.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7451 – KM 12,215.57
Regency FX Cheapest 1.7404 $0.00 KM 12,182.58 −KM 32.99
MoneyGram 1.7154 $60.79 KM 12,007.80 −KM 207.77
Xe 1.6984 $0.00 KM 11,888.80 −KM 326.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7451 – KM 12,215.57
Regency FX Cheapest 1.7404 $0.00 KM 12,182.58 −KM 32.99
MoneyGram 1.7154 $60.79 KM 12,007.80 −KM 207.77
Xe 1.6982 $0.00 KM 11,887.40 −KM 328.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7439 – KM 12,207.57
Regency FX Cheapest 1.7392 $0.00 KM 12,174.61 −KM 32.96
MoneyGram 1.7154 $60.79 KM 12,007.80 −KM 199.77
Xe 1.6703 $0.00 KM 11,692.10 −KM 515.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7526 – KM 12,268.06
Regency FX Cheapest 1.7478 $0.00 KM 12,234.94 −KM 33.12
MoneyGram 1.7211 $60.79 KM 12,047.70 −KM 220.36
Xe 1.6723 $0.00 KM 11,706.10 −KM 561.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7453 – KM 12,216.77
Regency FX Cheapest 1.7405 $0.00 KM 12,183.79 −KM 32.98
MoneyGram 1.7222 $60.79 KM 12,055.40 −KM 161.37
Xe 1.6706 $0.00 KM 11,694.20 −KM 522.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7467 – KM 12,226.97
Regency FX Cheapest 1.7420 $0.00 KM 12,193.96 −KM 33.01
MoneyGram 1.7196 $60.79 KM 12,037.20 −KM 189.77
Xe 1.6687 $0.00 KM 11,680.90 −KM 546.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7440 – KM 12,207.94
Regency FX Cheapest 1.7393 $0.00 KM 12,174.98 −KM 32.96
MoneyGram 1.7156 $60.79 KM 12,009.20 −KM 198.74
Xe 1.6649 $0.00 KM 11,654.30 −KM 553.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7398 – KM 12,178.62
Regency FX Cheapest 1.7351 $0.00 KM 12,145.74 −KM 32.88
MoneyGram 1.7104 $60.79 KM 11,972.80 −KM 205.82
Xe 1.6927 $0.00 KM 11,848.90 −KM 329.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7398 – KM 12,178.62
Regency FX Cheapest 1.7351 $0.00 KM 12,145.74 −KM 32.88
MoneyGram 1.7104 $60.79 KM 11,972.80 −KM 205.82
Xe 1.6929 $0.00 KM 11,850.30 −KM 328.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7430 – KM 12,200.71
Regency FX Cheapest 1.7383 $0.00 KM 12,167.77 −KM 32.94
MoneyGram 1.7104 $60.79 KM 11,972.80 −KM 227.91
Xe 1.6695 $0.00 KM 11,686.50 −KM 514.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7438 – KM 12,206.80
Regency FX Cheapest 1.7391 $0.00 KM 12,173.84 −KM 32.96
MoneyGram 1.7171 $60.79 KM 12,019.70 −KM 187.10
Xe 1.6660 $0.00 KM 11,662.00 −KM 544.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7419 – KM 12,193.10
Regency FX Cheapest 1.7372 $0.00 KM 12,160.18 −KM 32.92
MoneyGram 1.7160 $60.79 KM 12,012.00 −KM 181.10
Xe 1.6675 $0.00 KM 11,672.50 −KM 520.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7411 – KM 12,187.90
Regency FX Cheapest 1.7364 $0.00 KM 12,154.99 −KM 32.91
MoneyGram 1.7154 $60.79 KM 12,007.80 −KM 180.10
Xe 1.6656 $0.00 KM 11,659.20 −KM 528.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7432 – KM 12,202.61
Regency FX Cheapest 1.7385 $0.00 KM 12,169.66 −KM 32.95
MoneyGram 1.7153 $60.79 KM 12,007.10 −KM 195.51
Xe 1.6711 $0.00 KM 11,697.70 −KM 504.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7457 – KM 12,219.93
Regency FX Cheapest 1.7410 $0.00 KM 12,186.93 −KM 33.00
MoneyGram 1.7186 $60.79 KM 12,030.20 −KM 189.73
Xe 1.6983 $0.00 KM 11,888.10 −KM 331.83
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
MoneyGram Cheapest 1.7186 $60.79 KM 12,030.20 –
Xe 1.6996 $0.00 KM 11,897.20 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7432 – KM 12,202.07
Regency FX Cheapest 1.7384 $0.00 KM 12,169.13 −KM 32.94
MoneyGram 1.7186 $60.79 KM 12,030.20 −KM 171.87
Xe 1.6705 $0.00 KM 11,693.50 −KM 508.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7510 – KM 12,256.75
Regency FX Cheapest 1.7462 $0.00 KM 12,223.65 −KM 33.10
MoneyGram 1.7174 $60.79 KM 12,021.80 −KM 234.95
Xe 1.6774 $0.00 KM 11,741.80 −KM 514.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7582 – KM 12,307.27
Regency FX Cheapest 1.7534 $0.00 KM 12,274.04 −KM 33.23
MoneyGram 1.7271 $60.79 KM 12,089.70 −KM 217.57
Xe 1.6833 $0.00 KM 11,783.10 −KM 524.17

Exchange rateFeeRecipient getsDifference

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/BAM 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 BAM 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 BAM on every transfer from US.

Right now, Regency FX pays 12,274.04 BAM on 7,000 USD, which is 33.23 BAM less than the mid-market amount.

Today's payout is the highest in the past month.

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 Bosnia and Herzegovina.

We've tracked 207 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. Regency FXAppeared in 105 comparisons

    Cheapest every time

  2. MoneyGramAppeared in 191 comparisons

    Cheapest in 14% of them

  3. XeAppeared in 167 comparisons

    Cheapest in 1% of them

Based on 207 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 BAM, and it was also the cheapest in 100% of the 105 comparisons it appeared in over the past month.

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

MoneyGram (today's second cheapest) was the cheapest in only 14% of its comparisons, so it's rarely the cheapest option for transfers to Bosnia and Herzegovina.

Ways to send money from the US to Bosnia and Herzegovina

There are 3 companies available for sending money from the US to Bosnia and Herzegovina, across 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 1.78% markup, saves your recipient's details for next time, and BAM 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 12,089.7 BAM 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 Bosnia and Herzegovina.

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

On a $7,000 transfer, you will get 12,089.7 BAM after a $60.79 fee and 1.78% markup.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 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 Bosnia and Herzegovina (e.g. a property purchase, tuition, or moving to Bosnia and Herzegovina), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/BAM 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 BAM in Bosnia and Herzegovina

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 12,274.04 BAM.

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

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 Bosnia and Herzegovina.

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 12,089.7 BAM 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, Venmo and Cash App only support domestic transfers, so they cannot send money to Bosnia and Herzegovina.

Your recipient in Bosnia and Herzegovina can collect BAM through bank deposit and cash pickup.

They can collect cash in Bosnia and Herzegovina

Your recipient can collect BAM from a participating MoneyGram location in Bosnia and Herzegovina.

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

  1. 1
    Bank transfer Bank deposit

    You pay $7,000.00

    KM12,274

    Cheapest

  2. 2
    Cash deposit Cash pickup

    You pay $7,060.79

    KM12,090

    -KM184

  3. 3
    Bank transfer Cash pickup

    You pay $7,005.99

    KM11,901

    -KM373

  4. 4
    Debit card Cash pickup

    You pay $7,075.99

    KM11,901

    -KM373

  5. 5
    Credit card Cash pickup

    You pay $7,179.99

    KM11,901

    -KM373

Show moreShow less
  1. 6
    Debit card Bank deposit

    You pay $7,000.00

    KM11,724

    -KM550

  2. 7
    Credit card Bank deposit

    You pay $7,000.00

    KM11,430

    -KM844

Things to consider before sending USD to Bosnia and Herzegovina

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/BAM company

Cheapest way to send money to Bosnia and Herzegovina

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 12,274.04 BAM, which is 1.5% more than the next best option.

Fastest way to send money to Bosnia and Herzegovina

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 12,274.04 BAM, 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 Bosnia and Herzegovina?

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 Bosnia and Herzegovina.

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

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How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Bosnia and Herzegovina and 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 207 comparisons across 8 amounts.

This page covers the cheapest and fastest options for USD/BAM 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.