We compared 6 companies sending money from the United States to Colombia. Sendwave is the best and cheapest, while TapTap Send is the fastest.
Sending $2,500 with Sendwave gets your recipient 8,186,131.92 COP at 3274.4528 COP per USD.
| 6 of 6 providers Last updated on 28 September 2026 | |||
| Based on 2,500 USD transfer Best companies for USD/COP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $41.83 1 USD = 3308.8700 COP -0.12% vs mid-market | Recipient gets $8,133,764.97 Within an hour | |
Ways to receive money in Colombia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin an hourAvailable via:Bank Transfer $41.831 USD = 3308.8700 COP $8,133,764.97You pay$2,500.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 3259.0260 COP +1.39% vs mid-market | Recipient gets $8,147,565.00 Minutes - 24 hours | |
Ways to receive money in Colombia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 3259.0260 COP $8,147,565.00You pay$2,500.00 | |||
Run a live search Showing top United States to Colombia deals for 2,500 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 COP rates. | |||
Run a live search These companies offer multi-currency accounts for spending COP. We suggest doing a live search based on how much USD you're planning to spend in Colombia. | |||
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. | |||
| Only available via Mobile App  Sendwave Pay via Debit card | Fee $0.00 1 USD = 3274.4528 COP +0.92% vs mid-market | Recipient gets $8,186,131.92 Minutes - 3 days | |
Ways to receive money in Colombia with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 3 days Free1 USD = 3274.4528 COP $8,186,131.92You pay$2,500.00 Bank depositMinutes - 3 days Free1 USD = 3252.6275 COP $8,131,568.75You pay$2,500.00 Cash pickupMinutes - 3 days Free1 USD = 3248.9900 COP $8,122,474.88You pay$2,500.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee $0.00 1 USD = 3259.6391 COP +1.37% vs mid-market | Recipient gets $8,149,097.70 Minutes - 2 days | |
Ways to receive money in Colombia with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 2 days Free1 USD = 3259.6391 COP $8,149,097.70You pay$2,500.00 Bank depositMinutes - 2 days $1.991 USD = 3257.2571 COP $8,136,660.81You pay$2,500.00 Mobile moneyMinutes - 2 days Free1 USD = 3237.4159 COP $8,093,539.85You pay$2,500.00 Cash pickupMinutes - 2 days $3.991 USD = 3230.8022 COP $8,064,114.65You pay$2,500.00 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 3259.0260 COP +1.39% vs mid-market | Recipient gets $8,147,565.00 Minutes - 24 hours | |
Ways to receive money in Colombia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 3259.0260 COP $8,147,565.00You pay$2,500.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Bank transfer | Fee $0.00 1 USD = 3258.9332 COP +1.40% vs mid-market | Recipient gets $8,147,333.00 Minutes - 24 hours | |
Ways to receive money in Colombia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Nequi, Daviplata Free1 USD = 3258.9332 COP $8,147,333.00You pay$2,500.00 Bank depositMinutes - 24 hoursAvailable via:All Banks, Banco Davivienda, Bancolombia Free1 USD = 3258.9332 COP $8,147,333.00You pay$2,500.00 Cash pickupMinutes - 24 hours $2.991 USD = 3255.6081 COP $8,139,020.25You pay$2,502.99 | |||
 TapTap Send Pay via Debit card | Fee $0.00 1 USD = 3255.0000 COP +1.52% vs mid-market | Recipient gets $8,137,500.00 Minutes | |
Ways to receive money in Colombia with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutesAvailable via:Bancolombia A la mano, DaviPlata, Movii, Nequi, RappiPay Free1 USD = 3255.0000 COP $8,137,500.00You pay$2,500.00 TransfiyaMinutesAvailable via:Banks via Trasnfiya Free1 USD = 3255.0000 COP $8,137,500.00You pay$2,500.00 Bre-BMinutesAvailable via:Bre-B Free1 USD = 3255.0000 COP $8,137,500.00You pay$2,500.00 Bank depositMinutes $2.991 USD = 3255.0000 COP $8,137,500.00You pay$2,502.99 Cash pickupMinutesAvailable via:Exito $3.991 USD = 3255.0000 COP $8,137,500.00You pay$2,503.99 | |||
| Wise Pay via Bank transfer | Fee $41.83 1 USD = 3308.8700 COP -0.12% vs mid-market | Recipient gets $8,133,764.97 Within an hour | |
Ways to receive money in Colombia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin an hourAvailable via:Bank Transfer $41.831 USD = 3308.8700 COP $8,133,764.97You pay$2,500.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $0.00 1 USD = 3248.9900 COP +1.70% vs mid-market | Recipient gets $8,122,475.00 Minutes - 24 hours | |
Ways to receive money in Colombia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks, Bancolombia, Banco Davivienda Free1 USD = 3248.9900 COP $8,122,475.00You pay$2,500.00 Mobile walletMinutes - 24 hoursAvailable via:Nequi, Daviplata Free1 USD = 3248.9900 COP $8,122,475.00You pay$2,500.00 Cash pickupMinutes - 24 hours $2.991 USD = 3240.7228 COP $8,101,807.00You pay$2,502.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $65.49 1 USD = 3248.9900 COP +1.70% vs mid-market | Recipient gets $8,122,475.00 Minutes - 24 hours | |
Ways to receive money in Colombia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks, Bancolombia, Banco Davivienda $65.491 USD = 3248.9900 COP $8,122,475.00You pay$2,565.49 Mobile walletMinutes - 24 hoursAvailable via:Nequi, Daviplata $75.001 USD = 3248.9900 COP $8,122,475.00You pay$2,575.00 Cash pickupMinutes - 24 hours $67.491 USD = 3240.7228 COP $8,101,807.00You pay$2,567.49 | |||
| Xe Pay via Debit card | Fee $12.50 1 USD = 3259.0260 COP +1.39% vs mid-market | Recipient gets $8,106,827.17 Minutes - 24 hours | |
Ways to receive money in Colombia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $12.501 USD = 3259.0260 COP $8,106,827.17You pay$2,500.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $24.79 1 USD = 3205.3394 COP +3.05% vs mid-market | Recipient gets $8,013,348.50 Minutes - 24 hours | |
Ways to receive money in Colombia with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $24.791 USD = 3205.3394 COP $8,013,348.50You pay$2,524.79 | |||
| Xe Pay via Credit card | Fee $75.00 1 USD = 3259.0260 COP +1.39% vs mid-market | Recipient gets $7,903,138.05 Minutes - 24 hours | |
Ways to receive money in Colombia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $75.001 USD = 3259.0260 COP $7,903,138.05You pay$2,500.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 3304.7500 COP Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Sendwave is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with Sendwave.
For large transfers using a broker like Xe 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.
You have 4 ways to pay for your transfer to Colombia, including debit card, bank transfer, 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).
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.
How much USD you send to Colombia 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $500 | 0.92% | $0.00 | $1,637,226.39with debit card to mobile money | +$77,230.78 | |
| $2,000 | 0.92% | $0.00 | $6,548,905.54with debit card to mobile money | +$165,306.42 | |
| $2,500This page | 0.92% | $0.00 | $8,186,131.92with debit card to mobile money | +$79,799.53 | |
| $5,000 | 1.37% | $0.00 | $16,298,195.40with debit card to card deposit | +$99,022.86 | |
| $7,000 | 0.27% | $0.00 | $23,070,790.22with bank transfer to bank deposit | +$345,953.43 | |
| $10,000 | 0.27% | $0.00 | $32,958,271.75with bank transfer to bank deposit | +$482,272.46 |
Mid-market rate: 1 USD = 3304.7500 COP
There are 6 companies available for sending money from the US to Colombia, across app, online, broker, in person, multi-currency account, and global account, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
Sendwave charges $0 on a $2,500 transfer with 0.92% markup, saves your recipient's details for next time, and COP arrives in minutes - 3 days.
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
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 $2,500 to a MoneyGram agent in the US, and your recipient will get 8,147,333 COP in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Colombia.
Of all online companies listed here, Xe gets you the most COP per USD.
On a $2,500 transfer, you will get 8,147,565 COP after a $0 fee and 1.39% markup.
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
For large transfers to Colombia (e.g. a property purchase, tuition, or moving to Colombia), a broker like Xe charges no fee, gives you a dedicated account manager, and adds 1.39% markup on USD/COP that gets lower the more you send.
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 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
A multi-currency account like Wise is the best for holding and receiving COP.
This is useful for traveling to Colombia, building up COP balance, or receiving payments in COP.
Wise converts $2,500 at -0.12% markup plus small fee and holds the COP until you spend it.
With Sendwave, paying by debit card and receiving through mobile money is the cheapest combination. Sending $2,500 gives your recipient 8,186,131.92 COP.
Deposit USD by debit card, bank transfer, 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 the it may take some time for it to clear before a money transfer company can send the money to Colombia.
You can deposit cash
You'll need to visit nearest MoneyGram branch and had over $2,500.
MoneyGram is the cheapest option and will get you 8,147,333 COP on $2,500 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 Colombia.
Your recipient in Colombia can collect COP through bank deposit, cash pickup, mobile money, mobile wallet, card deposit, transfiya, and bre b.
They can collect cash in Colombia
Your recipient can collect COP from a participating MoneyGram location in Colombia.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $2,500.00
$8,186,132
Cheapest
You pay $2,500.00
$8,149,098
-$37,034
You pay $2,500.00
$8,147,565
-$38,567
You pay $2,500.00
$8,147,333
-$38,799
You pay $2,502.99
$8,139,020
-$47,112
You pay $2,503.99
$8,137,500
-$48,632
You pay $2,502.99
$8,137,500
-$48,632
You pay $2,500.00
$8,137,500
-$48,632
You pay $2,500.00
$8,137,500
-$48,632
You pay $2,500.00
$8,137,500
-$48,632
You pay $2,565.49
$8,122,475
-$63,657
You pay $2,575.00
$8,122,475
-$63,657
You pay $2,567.49
$8,101,807
-$84,325
You pay $2,524.79
$8,013,349
-$172,783
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Colombia
The cheapest option is Sendwave, funded by debit card with mobile money for the payout. Your recipient gets 8,186,131.92 COP, which is 0.45% more than the next best option.
Fastest way to send money to Colombia
The fastest option is TapTap Send. Pay by debit card and choose mobile wallet for the payout. Your recipient gets 8,137,500 COP, with the money arriving in minutes.
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.
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.
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.
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 Colombia.
While Wise may not always be the cheapest or fastest way to send COP, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
The rate changes how much COP your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 3,368.78 COP
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Colombia and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to Colombia.
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.
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