We compared 9 companies sending money from the United States to Czech Republic. Key Currency is the best and cheapest, while Revolut is the fastest.
Sending $7,000 with Key Currency gets your recipient 152,871.36 CZK at 21.8388 CZK per USD.
| 9 of 9 providers Last updated on 28 October 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/CZK transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $31.83 1 USD = 21.8929 CZK 0.00% vs mid-market | Recipient gets Kč 152,553.45 Same day | |
Ways to receive money in Czechia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $31.831 USD = 21.8929 CZK Kč 152,553.45You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 21.4927 CZK +1.85% vs mid-market | Recipient gets Kč 150,448.90 Minutes - 24 hours | |
Ways to receive money in Czechia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 21.4927 CZK Kč 150,448.90You pay$7,000.00 | |||
Run a live search Showing top United States to Czech Republic 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 CZK rates. | |||
Run a live search These companies offer multi-currency accounts for spending CZK. We suggest doing a live search based on how much USD you're planning to spend in Czech Republic. | |||
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: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee $0.00 1 USD = 21.8388 CZK +0.25% vs mid-market | Recipient gets Kč 152,871.36 Minutes - 3 days | |
Ways to receive money in Czechia with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 21.8388 CZK Kč 152,871.36You pay$7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 21.8344 CZK +0.27% vs mid-market | Recipient gets Kč 152,840.71 Minutes - 24 hours | |
Ways to receive money in Czechia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 21.8344 CZK Kč 152,840.71You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $31.83 1 USD = 21.8929 CZK 0.00% vs mid-market | Recipient gets Kč 152,553.45 Same day | |
Ways to receive money in Czechia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $31.831 USD = 21.8929 CZK Kč 152,553.45You pay$7,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 USD = 21.7840 CZK +0.50% vs mid-market | Recipient gets Kč 152,488.22 Minutes - 24 hours | |
Ways to receive money in Czechia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 21.7840 CZK Kč 152,488.22You pay$7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $40.50 1 USD = 21.8544 CZK +0.18% vs mid-market | Recipient gets Kč 152,095.87 Same day | |
Ways to receive money in Czechia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $40.501 USD = 21.8544 CZK Kč 152,095.87You pay$7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
 CurrencyFair Pay via Bank transfer | Fee $3.43 1 USD = 21.7200 CZK +0.80% vs mid-market | Recipient gets Kč 151,965.00 Minutes - 24 hours | |
Ways to receive money in Czechia with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $3.431 USD = 21.7200 CZK Kč 151,965.00You pay$7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee $0.00 1 USD = 21.5870 CZK +1.40% vs mid-market | Recipient gets Kč 151,108.93 Minutes - 2 days | |
Ways to receive money in Czechia with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 21.5870 CZK Kč 151,108.93You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 21.5844 CZK +1.42% vs mid-market | Recipient gets Kč 151,090.80 Minutes - 24 hours | |
Ways to receive money in Czechia with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 21.5844 CZK Kč 151,090.80You pay$7,060.79 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 21.4927 CZK +1.85% vs mid-market | Recipient gets Kč 150,448.90 Minutes - 24 hours | |
Ways to receive money in Czechia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 21.4927 CZK Kč 150,448.90You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $1.99 1 USD = 21.4140 CZK +2.21% vs mid-market | Recipient gets Kč 149,898.00 Minutes - 24 hours | |
Ways to receive money in Czechia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 21.4140 CZK Kč 149,898.00You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 21.4140 CZK Kč 149,898.00You pay$7,005.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 21.4140 CZK Kč 149,898.00You pay$7,074.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $1.99 1 USD = 21.4140 CZK +2.21% vs mid-market | Recipient gets Kč 149,898.00 Minutes - 24 hours | |
Ways to receive money in Czechia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 21.4140 CZK Kč 149,898.00You pay$7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $1.991 USD = 21.4140 CZK Kč 149,898.00You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 21.4140 CZK Kč 149,898.00You pay$7,075.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $177.99 1 USD = 21.4140 CZK +2.21% vs mid-market | Recipient gets Kč 149,898.00 Minutes - 24 hours | |
Ways to receive money in Czechia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 21.4140 CZK Kč 149,898.00You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 21.4140 CZK Kč 149,898.00You pay$7,179.99 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 21.4927 CZK +1.85% vs mid-market | Recipient gets Kč 149,696.66 Minutes - 24 hours | |
Ways to receive money in Czechia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 21.4927 CZK Kč 149,696.66You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 21.4927 CZK +1.85% vs mid-market | Recipient gets Kč 145,935.43 Minutes - 24 hours | |
Ways to receive money in Czechia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 21.4927 CZK Kč 145,935.43You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 21.8935 CZK Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Key Currency is the best option.
Key Currency was the cheapest on 30 of the 30 days it quoted $7,000 transfers to Czech Republic.
For recurring transfers, I'd suggest using an app or a multi-currency account with Wise.
For large transfers, a broker like Key Currency 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 Czech Republic, 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).
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 Czech Republic 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 Key Currency 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 | 0.04% | $0.00 | Kč 10,940.00with remitly wallet to cash pickup | +Kč 321.04 | |
| $2,000 | 0.18% | $0.00 | Kč 43,700.00with remitly wallet to cash pickup | +Kč 848.98 | |
| $5,000 | 0.22% | $0.00 | Kč 109,200.00with remitly wallet to cash pickup | +Kč 1,394.51 | |
| $7,000This page | 0.25% | $0.00 | Kč 152,871.36with bank transfer to bank deposit | +Kč 1,957.84 | |
| $10,000 | 0.25% | $0.00 | Kč 218,323.10with bank transfer to bank deposit | +Kč 2,737.37 | |
| $50,000 | 0.20% | $0.00 | Kč 1,092,041.34with bank transfer to bank deposit | +Kč 13,938.82 | |
| $100,000 | 0.15% | $0.00 | Kč 2,185,366.93with bank transfer to bank deposit | +Kč 26,697.83 | |
| $250,000 | 0.15% | $0.00 | Kč 5,465,812.96with bank transfer to bank deposit | +Kč 67,583.39 |
Mid-market rate: 1 USD = 21.8935 CZK
The cheapest way to send USD to CZK 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 Key Currency), across 30 days of comparisons for 7,000 USD transfers to Czech Republic.
Wed, Oct 28, 2026Mid-market rateKč 153,254.49 Key Currency Kč 152,871.36 With a bank No quoteKey CurrencyKč 152,871.36Regency FXKč 152,840.71WiseKč 152,553.45Extra cost of a bankNo quote
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.4851 | – | Kč 150,395.35 | |
| | 21.4313 | $0.00 | Kč 150,019.36 | −Kč 375.99 |
| | 21.4270 | $0.00 | Kč 149,989.28 | −Kč 406.07 |
| | 21.4854 | $31.83 | Kč 149,713.92 | −Kč 681.43 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.5219 | – | Kč 150,652.95 | |
| | 21.4680 | $0.00 | Kč 150,276.32 | −Kč 376.63 |
| | 21.4637 | $0.00 | Kč 150,246.19 | −Kč 406.76 |
| | 21.5207 | $31.83 | Kč 149,959.90 | −Kč 693.05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.6074 | – | Kč 151,251.83 | |
| | 21.5534 | $0.00 | Kč 150,873.70 | −Kč 378.13 |
| | 21.5491 | $0.00 | Kč 150,843.45 | −Kč 408.38 |
| | 21.6084 | $31.83 | Kč 150,571.00 | −Kč 680.83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7243 | – | Kč 152,069.75 | |
| | 21.6699 | $0.00 | Kč 151,689.58 | −Kč 380.17 |
| | 21.6656 | $0.00 | Kč 151,659.16 | −Kč 410.59 |
| | 21.7210 | $31.83 | Kč 151,355.62 | −Kč 714.13 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7193 | – | Kč 152,035.13 | |
| | 21.6650 | $0.00 | Kč 151,655.04 | −Kč 380.09 |
| | 21.6607 | $0.00 | Kč 151,624.63 | −Kč 410.50 |
| | 21.7205 | $31.83 | Kč 151,352.14 | −Kč 682.99 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7193 | – | Kč 152,035.13 | |
| | 21.6650 | $0.00 | Kč 151,655.04 | −Kč 380.09 |
| | 21.6607 | $0.00 | Kč 151,624.63 | −Kč 410.50 |
| | 21.7205 | $31.83 | Kč 151,352.14 | −Kč 682.99 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.8386 | – | Kč 152,869.85 | |
| | 21.7840 | $0.00 | Kč 152,487.68 | −Kč 382.17 |
| | 21.7796 | $0.00 | Kč 152,457.10 | −Kč 412.75 |
| | 21.8383 | $31.83 | Kč 152,172.99 | −Kč 696.86 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.8084 | – | Kč 152,658.46 | |
| | 21.7538 | $0.00 | Kč 152,276.81 | −Kč 381.65 |
| | 21.7495 | $0.00 | Kč 152,246.28 | −Kč 412.18 |
| | 21.8079 | $31.83 | Kč 151,961.15 | −Kč 697.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7420 | – | Kč 152,194.35 | |
| | 21.6877 | $0.00 | Kč 151,813.86 | −Kč 380.49 |
| | 21.6833 | $0.00 | Kč 151,783.43 | −Kč 410.92 |
| | 21.7419 | $31.83 | Kč 151,501.26 | −Kč 693.09 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.8226 | – | Kč 152,758.19 | |
| | 21.7680 | $0.00 | Kč 152,376.29 | −Kč 381.90 |
| | 21.7637 | $0.00 | Kč 152,345.74 | −Kč 412.45 |
| | 21.8255 | $31.83 | Kč 152,083.79 | −Kč 674.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7055 | – | Kč 151,938.52 | |
| | 21.6512 | $0.00 | Kč 151,558.67 | −Kč 379.85 |
| | 21.6469 | $0.00 | Kč 151,528.29 | −Kč 410.23 |
| | 21.7061 | $31.83 | Kč 151,251.79 | −Kč 686.73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7633 | – | Kč 152,343.13 | |
| | 21.7089 | $0.00 | Kč 151,962.27 | −Kč 380.86 |
| | 21.7045 | $0.00 | Kč 151,931.80 | −Kč 411.33 |
| | 21.7605 | $31.83 | Kč 151,630.86 | −Kč 712.27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7633 | – | Kč 152,343.13 | |
| | 21.7089 | $0.00 | Kč 151,962.27 | −Kč 380.86 |
| | 21.7045 | $0.00 | Kč 151,931.80 | −Kč 411.33 |
| | 21.7605 | $31.83 | Kč 151,630.86 | −Kč 712.27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7559 | – | Kč 152,291.31 | |
| | 21.7015 | $0.00 | Kč 151,910.59 | −Kč 380.72 |
| | 21.6972 | $0.00 | Kč 151,880.13 | −Kč 411.18 |
| | 21.7550 | $31.83 | Kč 151,592.54 | −Kč 698.77 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7696 | – | Kč 152,387.20 | |
| | 21.7152 | $0.00 | Kč 152,006.23 | −Kč 380.97 |
| | 21.7108 | $0.00 | Kč 151,975.75 | −Kč 411.45 |
| | 21.7693 | $31.83 | Kč 151,692.18 | −Kč 695.02 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7467 | – | Kč 152,226.92 | |
| | 21.6923 | $0.00 | Kč 151,846.35 | −Kč 380.57 |
| | 21.6880 | $0.00 | Kč 151,815.91 | −Kč 411.01 |
| | 21.7478 | $31.83 | Kč 151,542.37 | −Kč 684.55 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7170 | – | Kč 152,018.65 | |
| | 21.6627 | $0.00 | Kč 151,638.60 | −Kč 380.05 |
| | 21.6583 | $0.00 | Kč 151,608.20 | −Kč 410.45 |
| | 21.7173 | $31.83 | Kč 151,329.84 | −Kč 688.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.6643 | – | Kč 151,650.11 | |
| | 21.6101 | $0.00 | Kč 151,270.98 | −Kč 379.13 |
| | 21.6058 | $0.00 | Kč 151,240.65 | −Kč 409.46 |
| | 21.6606 | $31.83 | Kč 150,934.74 | −Kč 715.37 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.6453 | – | Kč 151,517.13 | |
| | 21.5912 | $0.00 | Kč 151,138.34 | −Kč 378.79 |
| | 21.5869 | $0.00 | Kč 151,108.03 | −Kč 409.10 |
| | 21.6484 | $31.83 | Kč 150,849.73 | −Kč 667.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.6453 | – | Kč 151,517.13 | |
| | 21.5912 | $0.00 | Kč 151,138.34 | −Kč 378.79 |
| | 21.5869 | $0.00 | Kč 151,108.03 | −Kč 409.10 |
| | 21.6484 | $31.83 | Kč 150,849.73 | −Kč 667.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7041 | – | Kč 151,928.70 | |
| | 21.6498 | $0.00 | Kč 151,548.88 | −Kč 379.82 |
| | 21.6455 | $0.00 | Kč 151,518.49 | −Kč 410.21 |
| | 21.7026 | $31.83 | Kč 151,227.41 | −Kč 701.29 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.6563 | – | Kč 151,594.09 | |
| | 21.6022 | $0.00 | Kč 151,215.11 | −Kč 378.98 |
| | 21.5978 | $0.00 | Kč 151,184.79 | −Kč 409.30 |
| | 21.6564 | $31.83 | Kč 150,905.48 | −Kč 688.61 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.6504 | – | Kč 151,552.78 | |
| | 21.5963 | $0.00 | Kč 151,173.90 | −Kč 378.88 |
| | 21.5919 | $0.00 | Kč 151,143.59 | −Kč 409.19 |
| | 21.6500 | $31.83 | Kč 150,860.88 | −Kč 691.90 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.6176 | – | Kč 151,323.19 | |
| | 21.5636 | $0.00 | Kč 150,944.88 | −Kč 378.31 |
| | 21.5592 | $0.00 | Kč 150,914.61 | −Kč 408.58 |
| | 21.6216 | $31.83 | Kč 150,662.98 | −Kč 660.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.6927 | – | Kč 151,848.55 | |
| | 21.6384 | $0.00 | Kč 151,468.93 | −Kč 379.62 |
| | 21.6341 | $0.00 | Kč 151,438.56 | −Kč 409.99 |
| | 21.6919 | $31.83 | Kč 151,152.85 | −Kč 695.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7195 | – | Kč 152,036.53 | |
| | 21.6652 | $0.00 | Kč 151,656.44 | −Kč 380.09 |
| | 21.6609 | $0.00 | Kč 151,626.03 | −Kč 410.50 |
| | 21.7200 | $31.83 | Kč 151,348.65 | −Kč 687.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7195 | – | Kč 152,036.53 | |
| | 21.6652 | $0.00 | Kč 151,656.44 | −Kč 380.09 |
| | 21.6609 | $0.00 | Kč 151,626.03 | −Kč 410.50 |
| | 21.7200 | $31.83 | Kč 151,348.65 | −Kč 687.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.7410 | – | Kč 152,186.78 | |
| | 21.6866 | $0.00 | Kč 151,806.32 | −Kč 380.46 |
| | 21.6823 | $0.00 | Kč 151,775.88 | −Kč 410.90 |
| | 21.7419 | $31.83 | Kč 151,501.26 | −Kč 685.52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.8198 | – | Kč 152,738.95 | |
| | 21.7653 | $0.00 | Kč 152,357.10 | −Kč 381.85 |
| | 21.7609 | $0.00 | Kč 152,326.55 | −Kč 412.40 |
| | 21.8177 | $31.83 | Kč 152,029.44 | −Kč 709.51 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 21.8935 | – | Kč 153,254.49 | |
| | 21.8388 | $0.00 | Kč 152,871.36 | −Kč 383.13 |
| | 21.8344 | $0.00 | Kč 152,840.71 | −Kč 413.78 |
| | 21.8929 | $31.83 | Kč 152,553.45 | −Kč 701.04 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 21.8935 | – | Kč 153,254.49 | |
|---|---|---|---|---|
| Bank No quote collected this day | – | – | – | – |
| | ||||
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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.
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 CZK 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 CZK on every transfer from US.
Right now, Key Currency pays 152,871.36 CZK on 7,000 USD, which is 383.13 CZK less than the mid-market amount.
Today's payout is the highest in the past month.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Czech Republic.
We've tracked 207 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Cheapest every time
Never the cheapest
Cheapest in 5% of them
Based on 56 comparisons across 8 amounts over the last 7 days.
Cheapest every time
Never the cheapest
Cheapest in 9% of them
Based on 207 comparisons across 8 amounts over the last 30 days.
Cheapest every time
Never the cheapest
Cheapest in 12% of them
Based on 506 comparisons across 8 amounts over the last 90 days.
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 Key Currency is the cheapest and gets you the most CZK, and it was also the cheapest in 100% of the 110 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Czech Republic.
Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Czech Republic.
There are 9 companies available for sending money from the US to Czech Republic, across broker, online, app, global account, multi-currency account, and in person, 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.
Wise charges $31.83 on a $7,000 transfer with 0% markup, saves your recipient's details for next time, and CZK arrives in next day.
Over the past month, Wise 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
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 151,090.8 CZK 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
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Czech Republic.
Of all online companies listed here, Wise gets you the most CZK per USD.
On a $7,000 transfer, you will get 152,553.45 CZK after a $31.83 fee and 0% 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
For large transfers to Czech Republic (e.g. a property purchase, tuition, or moving to Czech Republic), a broker like Key Currency charges no fee, gives you a dedicated account manager, and adds 0.25% markup on USD/CZK that gets lower the more you send.
Our analysis shows Key Currency 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 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 CZK.
This is useful for traveling to Czech Republic, building up CZK balance, or receiving payments in CZK.
Wise converts $7,000 at 0% markup plus small fee and holds the CZK until you spend it.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 152,871.36 CZK.
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 Czech Republic.
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 151,090.8 CZK 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 Czech Republic.
Your recipient in Czech Republic can collect CZK through bank deposit, cash pickup, and card deposit.
They can collect cash in Czech Republic
Your recipient can collect CZK from a participating MoneyGram location in Czech Republic.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $7,000.00
Kč152,871
Cheapest
You pay $7,060.79
Kč151,091
-Kč1,781
You pay $7,005.99
Kč149,898
-Kč2,973
You pay $7,074.99
Kč149,898
-Kč2,973
You pay $7,001.99
Kč149,898
-Kč2,973
You pay $7,001.99
Kč149,898
-Kč2,973
You pay $7,075.99
Kč149,898
-Kč2,973
You pay $7,177.99
Kč149,898
-Kč2,973
You pay $7,179.99
Kč149,898
-Kč2,973
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 Czech Republic
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 152,871.36 CZK, which is 0.02% more than the next best option.
Fastest way to send money to Czech Republic
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 152,095.87 CZK, with the money arriving in same day.
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 Czech Republic.
While Wise may not always be the cheapest or fastest way to send CZK, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Czech Republic 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/CZK 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.
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