Compare the best ways to send money from United States to Cambodia

We compared 4 companies sending money from the United States to Cambodia. Regency FX is the best and cheapest, while Regency FX is the fastest.

Sending $7,000 with Regency FX gets your recipient 28,554,609.65 KHR at 4079.2300 KHR per USD.

Best companies for USD/KHR transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/KHR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $229.39 1 USD = 4083.0000 KHR +0.18% vs mid-market Recipient gets ៛27,644,400.63 Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Cambodia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$229.391 USD = 4083.0000 KHR
៛27,644,400.63You pay$7,000.00
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 4031.7809 KHR +1.44% vs mid-market Recipient gets ៛28,222,466.30 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 4031.7809 KHR
៛28,222,466.30You pay$7,000.00

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Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 4079.2300 KHR +0.27% vs mid-market Recipient gets ៛28,554,609.65 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 4079.2300 KHR
៛28,554,609.65You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 4044.5604 KHR +1.12% vs mid-market Recipient gets ៛28,311,922.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$60.791 USD = 4044.5604 KHR
៛28,311,922.80You pay$7,060.79
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $0.99 1 USD = 4037.2200 KHR +1.31% vs mid-market Recipient gets ៛28,260,540.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:eMoney
$0.991 USD = 4037.2200 KHR
៛28,260,540.00You pay$7,000.99
Mobile moneyMinutes - 24 hoursAvailable via:Wing
$0.991 USD = 4037.2200 KHR
៛28,260,540.00You pay$7,000.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 4026.3758 KHR
៛28,184,630.60You pay$7,001.99
Cash pickupMinutes - 24 hours
$75.991 USD = 4006.6172 KHR
៛28,046,320.40You pay$7,075.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $1.99 1 USD = 4037.2200 KHR +1.31% vs mid-market Recipient gets ៛28,260,540.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:eMoney
$1.991 USD = 4037.2200 KHR
៛28,260,540.00You pay$7,001.99
Mobile moneyMinutes - 24 hoursAvailable via:Wing
$1.991 USD = 4037.2200 KHR
៛28,260,540.00You pay$7,001.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 4026.4203 KHR
៛28,184,942.10You pay$7,001.99
Cash pickupMinutes - 24 hours
$5.991 USD = 4006.6200 KHR
៛28,046,340.00You pay$7,005.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $210.00 1 USD = 4037.2200 KHR +1.31% vs mid-market Recipient gets ៛28,260,540.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:eMoney
$210.001 USD = 4037.2200 KHR
៛28,260,540.00You pay$7,210.00
Mobile moneyMinutes - 24 hoursAvailable via:Wing
$210.001 USD = 4037.2200 KHR
៛28,260,540.00You pay$7,210.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
$177.991 USD = 4026.3758 KHR
៛28,184,630.60You pay$7,177.99
Cash pickupMinutes - 24 hours
$179.991 USD = 4006.6172 KHR
៛28,046,320.40You pay$7,179.99

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 4031.7809 KHR +1.44% vs mid-market Recipient gets ៛28,222,466.30 Minutes - 24 hours
Fastest
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 4031.7809 KHR
៛28,222,466.30You pay$7,000.00

Xe

Pay via Debit card
Fee $35.00 1 USD = 4031.7809 KHR +1.44% vs mid-market Recipient gets ៛28,081,353.97 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 4031.7809 KHR
៛28,081,353.97You pay$7,000.00

Wise

Pay via Bank transfer
Fee $229.39 1 USD = 4083.0000 KHR +0.18% vs mid-market Recipient gets ៛27,644,400.63 Within a week
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Cambodia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$229.391 USD = 4083.0000 KHR
៛27,644,400.63You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 4031.7809 KHR +1.44% vs mid-market Recipient gets ៛27,375,792.31 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 4031.7809 KHR
៛27,375,792.31You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 4090.2737 KHR Updates every 60 minutes.

How to send money from US to Cambodia

Pick a company

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

Regency FX was the cheapest on 30 of the 30 days it quoted $7,000 transfers to Cambodia.

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 Cambodia, 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 Cambodia?

How much USD you send to Cambodia 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
$5001.12%$7.19៛2,022,280.20with cash deposit to cash pickup+៛55,710.67
$2,0001.12%$20.79៛8,089,120.80with cash deposit to cash pickup+៛131,930.20
$5,0001.12%$44.79៛20,222,802.00with cash deposit to cash pickup+៛181,543.14
$7,000This page0.27%$0.00៛28,554,609.65with bank transfer to bank deposit+៛446,591.24
$10,0000.27%$0.00៛40,792,299.50with bank transfer to bank deposit+៛635,460.57
$50,0000.25%$0.00៛204,002,400.24with bank transfer to bank deposit+៛3,190,056.55
$100,0000.20%$0.00៛408,209,314.16with bank transfer to bank deposit+៛6,556,000.84
$250,0000.20%$0.00៛1,020,523,285.41with bank transfer to bank deposit+៛16,381,148.79

Mid-market rate: 1 USD = 4090.2737 KHR

USD/KHR Exchange Rate History

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

The cheapest way to send USD to KHR 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 Cambodia.

KHR received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rate៛28,631,915.82 Regency FX ៛28,554,609.65Regency FX៛28,554,609.65MoneyGram៛28,311,922.80Xe៛28,222,466.30

28.0M
28.1M
28.2M
28.3M
28.4M
28.5M
28.6M
28.7M
At the mid-market rateWith the cheapest optionRegency FXMoneyGramXe
Exchange rateFeeRecipient getsDifference
Mid-market rate 4061.3246 – ៛28,429,272.16
Regency FX Cheapest 4050.3590 $0.00 ៛28,352,513.12 −៛76,759.04
MoneyGram 4017.7818 $60.79 ៛28,124,472.60 −៛304,799.56
Xe 4013.4723 $0.00 ៛28,094,306.10 −៛334,966.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 4055.0003 – ៛28,385,001.93
Regency FX Cheapest 4044.0518 $0.00 ៛28,308,362.43 −៛76,639.50
MoneyGram 4017.7818 $60.79 ៛28,124,472.60 −៛260,529.33
Xe 4013.0893 $0.00 ៛28,091,625.10 −៛293,376.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 4056.0000 – ៛28,391,999.83
Regency FX Cheapest 4045.0488 $0.00 ៛28,315,341.43 −៛76,658.40
MoneyGram 4016.7900 $60.79 ៛28,117,530.00 −៛274,469.83
Xe 4012.4498 $0.00 ៛28,087,148.60 −៛304,851.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 4055.0003 – ៛28,385,002.23
Regency FX Cheapest 4044.0518 $0.00 ៛28,308,362.73 −៛76,639.50
MoneyGram 4011.8310 $60.79 ៛28,082,817.00 −៛302,185.23
Xe 4011.2888 $0.00 ៛28,079,021.60 −៛305,980.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 4056.0003 – ៛28,392,002.45
Regency FX Cheapest 4045.0491 $0.00 ៛28,315,344.04 −៛76,658.41
MoneyGram 4016.7900 $60.79 ៛28,117,530.00 −៛274,472.45
Xe 4011.2888 $0.00 ៛28,079,021.60 −៛312,980.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 4047.2490 – ៛28,330,742.93
Regency FX Cheapest 4036.3214 $0.00 ៛28,254,249.92 −៛76,493.01
MoneyGram 4016.7900 $60.79 ៛28,117,530.00 −៛213,212.93
Xe 4011.2888 $0.00 ៛28,079,021.60 −៛251,721.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 4053.1526 – ៛28,372,068.20
Regency FX Cheapest 4042.2091 $0.00 ៛28,295,463.62 −៛76,604.58
MoneyGram 4016.7900 $60.79 ៛28,117,530.00 −៛254,538.20
Xe 4013.4208 $0.00 ៛28,093,945.60 −៛278,122.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 4048.7381 – ៛28,341,166.78
Regency FX Cheapest 4037.8065 $0.00 ៛28,264,645.63 −៛76,521.15
MoneyGram 4018.7736 $60.79 ៛28,131,415.20 −៛209,751.58
Xe 4012.2770 $0.00 ៛28,085,939.00 −៛255,227.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 4048.6658 – ៛28,340,660.47
Regency FX Cheapest 4037.7344 $0.00 ៛28,264,140.68 −៛76,519.79
Xe 4013.4627 $0.00 ៛28,094,238.90 −៛246,421.57
MoneyGram 4011.7021 $60.79 ៛28,081,914.70 −៛258,745.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 4068.2930 – ៛28,478,051.22
Regency FX Cheapest 4057.3086 $0.00 ៛28,401,160.48 −៛76,890.74
Xe 4011.7162 $0.00 ៛28,082,013.40 −៛396,037.82
MoneyGram 4010.7103 $60.79 ៛28,074,972.10 −៛403,079.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 4057.4388 – ៛28,402,071.50
Regency FX Cheapest 4046.4837 $0.00 ៛28,325,385.91 −៛76,685.59
MoneyGram 4030.1793 $60.79 ៛28,211,255.10 −៛190,816.40
Xe 4011.7162 $0.00 ៛28,082,013.40 −៛320,058.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 4060.6737 – ៛28,424,715.59
Regency FX Cheapest 4049.7098 $0.00 ៛28,347,968.86 −៛76,746.73
Xe 4025.5332 $0.00 ៛28,178,732.40 −៛245,983.19
MoneyGram 4016.7900 $60.79 ៛28,117,530.00 −៛307,185.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 4060.6737 – ៛28,424,715.59
Regency FX Cheapest 4049.7098 $0.00 ៛28,347,968.86 −៛76,746.73
Xe 4025.5332 $0.00 ៛28,178,732.40 −៛245,983.19
MoneyGram 4016.7900 $60.79 ៛28,117,530.00 −៛307,185.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 4057.9219 – ៛28,405,453.36
Regency FX Cheapest 4046.9655 $0.00 ៛28,328,758.64 −៛76,694.72
Xe 4026.5029 $0.00 ៛28,185,520.30 −៛219,933.06
MoneyGram 4016.7900 $60.79 ៛28,117,530.00 −៛287,923.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 4067.4777 – ៛28,472,343.57
Regency FX Cheapest 4056.4955 $0.00 ៛28,395,468.24 −៛76,875.33
Xe 4026.3762 $0.00 ៛28,184,633.40 −៛287,710.17
MoneyGram 4021.2531 $60.79 ៛28,148,771.70 −៛323,571.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 4061.8921 – ៛28,433,244.69
Regency FX Cheapest 4050.9250 $0.00 ៛28,356,474.93 −៛76,769.76
MoneyGram 4031.6670 $60.79 ៛28,221,669.00 −៛211,575.69
Xe 4025.9136 $0.00 ៛28,181,395.20 −៛251,849.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 4060.1430 – ៛28,421,000.92
Regency FX Cheapest 4049.1806 $0.00 ៛28,344,264.22 −៛76,736.70
MoneyGram 4026.2121 $60.79 ៛28,183,484.70 −៛237,516.22
Xe 4025.9136 $0.00 ៛28,181,395.20 −៛239,605.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 4061.5928 – ៛28,431,149.58
Regency FX Cheapest 4050.6265 $0.00 ៛28,354,385.48 −៛76,764.10
Xe 4025.0683 $0.00 ៛28,175,478.10 −៛255,671.48
MoneyGram 4022.7408 $60.79 ៛28,159,185.60 −៛271,963.98
Exchange rateFeeRecipient getsDifference
Mid-market rate 4070.6311 – ៛28,494,418.01
Regency FX Cheapest 4059.6404 $0.00 ៛28,417,483.08 −៛76,934.93
Xe 4025.0683 $0.00 ៛28,175,478.10 −៛318,939.91
MoneyGram 4023.7326 $60.79 ៛28,166,128.20 −៛328,289.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 4070.6311 – ៛28,494,418.01
Regency FX Cheapest 4059.6404 $0.00 ៛28,417,483.08 −៛76,934.93
Xe 4025.0683 $0.00 ៛28,175,478.10 −៛318,939.91
MoneyGram 4023.7326 $60.79 ៛28,166,128.20 −៛328,289.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 4078.0497 – ៛28,546,348.16
Regency FX Cheapest 4067.0390 $0.00 ៛28,469,273.02 −៛77,075.14
MoneyGram 4023.7326 $60.79 ៛28,166,128.20 −៛380,219.96
Xe 4020.1465 $0.00 ៛28,141,025.50 −៛405,322.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 4068.9999 – ៛28,482,999.36
Regency FX Cheapest 4058.0136 $0.00 ៛28,406,095.26 −៛76,904.10
MoneyGram 4030.6752 $60.79 ៛28,214,726.40 −៛268,272.96
Xe 4017.5972 $0.00 ៛28,123,180.40 −៛359,818.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 4059.4399 – ៛28,416,079.23
Regency FX Cheapest 4048.4794 $0.00 ៛28,339,355.82 −៛76,723.41
MoneyGram 4028.6916 $60.79 ៛28,200,841.20 −៛215,238.03
Xe 4024.0389 $0.00 ៛28,168,272.30 −៛247,806.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 4066.5171 – ៛28,465,619.77
Regency FX Cheapest 4055.5375 $0.00 ៛28,388,762.60 −៛76,857.17
MoneyGram 4027.6998 $60.79 ៛28,193,898.60 −៛271,721.17
Xe 4022.2338 $0.00 ៛28,155,636.60 −៛309,983.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 4066.0443 – ៛28,462,309.76
Regency FX Cheapest 4055.0659 $0.00 ៛28,385,461.53 −៛76,848.23
MoneyGram 4029.6834 $60.79 ៛28,207,783.80 −៛254,525.96
Xe 4027.7202 $0.00 ៛28,194,041.40 −៛268,268.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 4082.6527 – ៛28,578,569.19
Regency FX Cheapest 4071.6296 $0.00 ៛28,501,407.06 −៛77,162.13
MoneyGram 4035.3863 $60.79 ៛28,247,704.10 −៛330,865.09
Xe 4027.7202 $0.00 ៛28,194,041.40 −៛384,527.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 4082.6527 – ៛28,578,569.19
Regency FX Cheapest 4071.6296 $0.00 ៛28,501,407.06 −៛77,162.13
Xe 4027.7202 $0.00 ៛28,194,041.40 −៛384,527.79
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4076.4672 – ៛28,535,270.27
Regency FX Cheapest 4065.4607 $0.00 ៛28,458,225.04 −៛77,045.23
MoneyGram 4035.3863 $60.79 ៛28,247,704.10 −៛287,566.17
Xe 4031.8744 $0.00 ៛28,223,120.80 −៛312,149.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 4085.8530 – ៛28,600,971.33
Regency FX Cheapest 4074.8212 $0.00 ៛28,523,748.71 −៛77,222.62
MoneyGram 4038.4807 $60.79 ៛28,269,364.90 −៛331,606.43
Xe 4028.4256 $0.00 ៛28,198,979.20 −៛401,992.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 4090.2737 – ៛28,631,915.82
Regency FX Cheapest 4079.2300 $0.00 ៛28,554,609.65 −៛77,306.17
MoneyGram 4044.5604 $60.79 ៛28,311,922.80 −៛319,993.02
Xe 4031.7809 $0.00 ៛28,222,466.30 −៛409,449.52

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/KHR 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 KHR 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 KHR on every transfer from US.

Right now, Regency FX pays 28,554,609.65 KHR on 7,000 USD, which is 77,306.17 KHR 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 Cambodia.

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 117 comparisons

    Cheapest every time

  2. MoneyGramAppeared in 203 comparisons

    Cheapest in 34% of them

  3. XeAppeared in 177 comparisons

    Cheapest in 12% 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 KHR, and it was also the cheapest in 100% of the 117 comparisons it appeared in over the past month.

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

MoneyGram (today's second cheapest) was the cheapest in only 34% of its comparisons, so it's rarely the cheapest option for transfers to Cambodia.

Ways to send money from the US to Cambodia

There are 4 companies available for sending money from the US to Cambodia, across online, app, broker, in person, multi-currency account, and global account, 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 1.12% markup, saves your recipient's details for next time, and KHR arrives in minutes - 24 hours.

Over the past month, MoneyGram was the cheapest app on 69% 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 28,311,922.8 KHR 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 Cambodia.

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

On a $7,000 transfer, you will get 28,311,922.8 KHR after a $60.79 fee and 1.12% markup.

In our comparisons over the past month, it was the cheapest online service on 20 of the 29 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 Cambodia (e.g. a property purchase, tuition, or moving to Cambodia), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/KHR 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.

It's also good to check Wise since you get a bulk discount on transfers over $25,000.

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.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Wise is the best for holding and receiving KHR.

This is useful for traveling to Cambodia, building up KHR balance, or receiving payments in KHR.

Wise converts $7,000 at 0.18% markup plus small fee and holds the KHR until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund USD and receive KHR in Cambodia

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 28,554,609.65 KHR.

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 Cambodia.

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 28,311,922.8 KHR 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 Cambodia.

Your recipient in Cambodia can collect KHR through bank deposit, mobile wallet, mobile money, and cash pickup.

They can collect cash in Cambodia

Your recipient can collect KHR from a participating MoneyGram location in Cambodia.

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

    ៛28,554,610

    Cheapest

  2. 2
    Cash deposit Cash pickup

    You pay $7,060.79

    ៛28,311,923

    -៛242,687

  3. 3
    Bank transfer Mobile wallet

    You pay $7,001.99

    ៛28,260,540

    -៛294,070

  4. 4
    Bank transfer Mobile money

    You pay $7,001.99

    ៛28,260,540

    -៛294,070

  5. 5
    Debit card Mobile wallet

    You pay $7,000.99

    ៛28,260,540

    -៛294,070

Show moreShow less
  1. 6
    Debit card Mobile money

    You pay $7,000.99

    ៛28,260,540

    -៛294,070

  2. 7
    Credit card Mobile wallet

    You pay $7,210.00

    ៛28,260,540

    -៛294,070

  3. 8
    Credit card Mobile money

    You pay $7,210.00

    ៛28,260,540

    -៛294,070

  4. 9
    Debit card Bank deposit

    You pay $7,001.99

    ៛28,184,631

    -៛369,979

  5. 10
    Credit card Bank deposit

    You pay $7,177.99

    ៛28,184,631

    -៛369,979

  6. 11
    Bank transfer Cash pickup

    You pay $7,005.99

    ៛28,046,340

    -៛508,270

  7. 12
    Debit card Cash pickup

    You pay $7,075.99

    ៛28,046,320

    -៛508,289

  8. 13
    Credit card Cash pickup

    You pay $7,179.99

    ៛28,046,320

    -៛508,289

Things to consider before sending USD to Cambodia

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/KHR company

Cheapest way to send money to Cambodia

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 28,554,609.65 KHR, which is 0.85% more than the next best option.

Fastest way to send money to Cambodia

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 28,554,609.65 KHR, 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 Cambodia?

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

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

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

Read Review

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Cambodia 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/KHR 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.