Compare the best ways to send money from United States to Congo DRC

We compared 3 companies sending money from the United States to Congo DRC. TapTap Send is the best and cheapest, while TapTap Send is the fastest.

Sending $7,000 with TapTap Send gets your recipient 7,000 CDF at 1.0000 CDF per USD.

Best companies for USD/CDF transfers

3 of 3 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/CDF transfers

Sort Cheapest
Promoted

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 2308.7497 CDF +0.27% vs mid-market Recipient gets CDF 16,161,247.76 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Congo - Kinshasa with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 2308.7497 CDF
CDF 16,161,247.76You pay$7,000.00

Run a live search

Showing top United States to Congo [DRC] deals for 7,000 USD. Do a live search with your exact amount for today's best rates.
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 2308.7497 CDF +0.27% vs mid-market Recipient gets CDF 16,161,247.76 Minutes - 24 hours
CheapestRecommended
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Congo - Kinshasa with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 2308.7497 CDF
CDF 16,161,247.76You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $5.99 1 USD = 2241.3600 CDF +3.23% vs mid-market Recipient gets CDF 15,689,520.00 Minutes - 24 hours

Ways to receive money in Congo - Kinshasa with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$5.991 USD = 2241.3600 CDF
CDF 15,689,520.00You pay$7,005.99
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $12.79 1 USD = 2241.3600 CDF +3.23% vs mid-market Recipient gets CDF 15,689,520.00 Minutes - 24 hours

Ways to receive money in Congo - Kinshasa with MoneyGram when paying by cash deposit.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$12.791 USD = 2241.3600 CDF
CDF 15,689,520.00You pay$7,012.79
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $15.99 1 USD = 2241.3600 CDF +3.23% vs mid-market Recipient gets CDF 15,689,520.00 Minutes - 24 hours

Ways to receive money in Congo - Kinshasa with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$15.991 USD = 2241.3600 CDF
CDF 15,689,520.00You pay$7,015.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $179.99 1 USD = 2241.3600 CDF +3.23% vs mid-market Recipient gets CDF 15,689,520.00 Minutes - 24 hours

Ways to receive money in Congo - Kinshasa with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$179.991 USD = 2241.3600 CDF
CDF 15,689,520.00You pay$7,179.99

TapTap Send

Pay via Debit card
Fee $11.00 1 USD = 1.0000 CDF +199.83% vs mid-market Recipient gets CDF 7,000.00 Minutes
Fastest
Receive to bank account

Ways to receive money in Congo - Kinshasa with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutesAvailable via:Airtel, M-PESA, Orange
$11.001 USD = 1.0000 CDF
CDF 7,000.00You pay$7,011.00
Cash pickupMinutesAvailable via:Flash Cash Pickup (Retrait d'espèces)
$11.001 USD = 1.0000 CDF
CDF 7,000.00You pay$7,011.00
How Our Results Work
Mid-market rate: 1 USD = 2315.0002 CDF Updates every 60 minutes.

How to send money from US to DRC

Pick a company

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

TapTap Send was the cheapest on 0 of the 26 days it quoted $7,000 transfers to DRC.

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

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 DRC, including bank transfer, debit card, cash deposit, and credit card.

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 DRC?

How much USD you send to DRC 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 TapTap Send was the cheapest in 1% of the transfers from $5,000 it quoted, and in 2% of all the transfers it quoted.

Cheapest service
$5003.23%$5.25CDF 1,120,680.00with bank transfer to cash pickup+CDF 523,051.94
$2,0003.23%$5.99CDF 4,482,720.00with bank transfer to cash pickup+CDF 896,144.00
$5,0003.23%$5.99CDF 11,206,800.00with bank transfer to cash pickup+CDF 2,240,360.00
$7,000This page0.27%$0.00CDF 16,161,247.76with bank transfer to bank deposit+CDF 3,006,859.80
$10,0000.27%$0.00CDF 23,087,496.52with bank transfer to bank deposit+CDF 4,295,513.77
$50,0000.25%$0.00CDF 115,460,627.09with bank transfer to bank deposit+CDF 21,496,855.91
$100,0000.20%$0.00CDF 231,036,987.53with bank transfer to bank deposit+CDF 43,090,156.28
$250,0000.20%$0.00CDF 577,592,394.21with bank transfer to bank deposit+CDF 107,725,328.51

Mid-market rate: 1 USD = 2315.0002 CDF

USD/CDF Exchange Rate History

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

The cheapest way to send USD to CDF 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 TapTap Send), across 30 days of comparisons for 7,000 USD transfers to DRC.

CDF received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rateCDF 16,205,001.26 Regency FX CDF 16,161,247.76Regency FXCDF 16,161,247.76MoneyGramCDF 15,689,520.00TapTap SendCDF 7,000.00

-5M
0
5M
10M
15M
20M
At the mid-market rateWith the cheapest optionRegency FXMoneyGramTapTap Send
Exchange rateFeeRecipient getsDifference
Mid-market rate 2325.0002 – CDF 16,275,001.58
Regency FX Cheapest 2318.7227 $0.00 CDF 16,231,059.08 −CDF 43,942.50
MoneyGram 2247.6762 $5.99 CDF 15,733,733.40 −CDF 541,268.18
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,268,001.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 2310.0001 – CDF 16,170,000.74
Regency FX Cheapest 2303.7631 $0.00 CDF 16,126,341.74 −CDF 43,659.00
MoneyGram 2247.7653 $5.99 CDF 15,734,357.10 −CDF 435,643.64
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,163,000.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 2312.4981 – CDF 16,187,486.54
Regency FX Cheapest 2306.2543 $0.00 CDF 16,143,780.33 −CDF 43,706.21
MoneyGram 2244.0033 $5.99 CDF 15,708,023.10 −CDF 479,463.44
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,180,486.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 2309.9999 – CDF 16,169,999.52
Regency FX Cheapest 2303.7629 $0.00 CDF 16,126,340.52 −CDF 43,659.00
MoneyGram 2246.0724 $5.99 CDF 15,722,506.80 −CDF 447,492.72
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,162,999.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 2310.0004 – CDF 16,170,002.53
Regency FX Cheapest 2303.7634 $0.00 CDF 16,126,343.53 −CDF 43,659.00
MoneyGram 2246.0724 $5.99 CDF 15,722,506.80 −CDF 447,495.73
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,163,002.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 2310.0004 – CDF 16,170,002.53
Regency FX Cheapest 2303.7634 $0.00 CDF 16,126,343.53 −CDF 43,659.00
MoneyGram 2246.0724 $5.99 CDF 15,722,506.80 −CDF 447,495.73
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,163,002.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 2310.0002 – CDF 16,170,001.53
Regency FX Cheapest 2303.7632 $0.00 CDF 16,126,342.53 −CDF 43,659.00
MoneyGram 2246.0724 $5.99 CDF 15,722,506.80 −CDF 447,494.73
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,163,001.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 2319.9998 – CDF 16,239,998.33
Regency FX Cheapest 2313.7358 $0.00 CDF 16,196,150.33 −CDF 43,848.00
MoneyGram 2242.3500 $5.99 CDF 15,696,450.00 −CDF 543,548.33
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,232,998.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 2317.4954 – CDF 16,222,467.53
Regency FX Cheapest 2311.2381 $0.00 CDF 16,178,666.86 −CDF 43,800.67
MoneyGram 2244.3300 $5.99 CDF 15,710,310.00 −CDF 512,157.53
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,215,467.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 2315.0002 – CDF 16,205,001.25
Regency FX Cheapest 2308.7497 $0.00 CDF 16,161,247.74 −CDF 43,753.51
MoneyGram 2245.0527 $5.99 CDF 15,715,368.90 −CDF 489,632.35
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,198,001.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 2315.0002 – CDF 16,205,001.54
Regency FX Cheapest 2308.7497 $0.00 CDF 16,161,248.04 −CDF 43,753.50
MoneyGram 2245.0527 $5.99 CDF 15,715,368.90 −CDF 489,632.64
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,198,001.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 2310.0004 – CDF 16,170,002.53
Regency FX Cheapest 2303.7634 $0.00 CDF 16,126,343.53 −CDF 43,659.00
MoneyGram 2245.0527 $5.99 CDF 15,715,368.90 −CDF 454,633.63
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,163,002.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 2310.0004 – CDF 16,170,002.53
Regency FX Cheapest 2303.7634 $0.00 CDF 16,126,343.53 −CDF 43,659.00
MoneyGram 2245.0527 $5.99 CDF 15,715,368.90 −CDF 454,633.63
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,163,002.53
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
MoneyGram Cheapest 2245.0527 $5.99 CDF 15,715,368.90 –
TapTap Send 1.0000 $11.00 CDF 7,000.00 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2310.0003 – CDF 16,170,002.32
Regency FX Cheapest 2303.7633 $0.00 CDF 16,126,343.32 −CDF 43,659.00
MoneyGram 2243.0133 $5.99 CDF 15,701,093.10 −CDF 468,909.22
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,163,002.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 2312.5065 – CDF 16,187,545.47
Regency FX Cheapest 2306.2627 $0.00 CDF 16,143,839.09 −CDF 43,706.38
MoneyGram 2242.3500 $5.99 CDF 15,696,450.00 −CDF 491,095.46
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,180,545.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 2312.5001 – CDF 16,187,500.89
Regency FX Cheapest 2306.2564 $0.00 CDF 16,143,794.64 −CDF 43,706.25
MoneyGram 2239.0533 $5.99 CDF 15,673,373.10 −CDF 514,127.79
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,180,500.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 2313.5030 – CDF 16,194,521.32
Regency FX Cheapest 2307.2566 $0.00 CDF 16,150,796.11 −CDF 43,725.21
MoneyGram No quote collected this day – – – –
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2313.5039 – CDF 16,194,527.44
Regency FX Cheapest 2307.2575 $0.00 CDF 16,150,802.22 −CDF 43,725.22
MoneyGram 2242.3896 $5.99 CDF 15,696,727.20 −CDF 497,800.24
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,187,527.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 2313.5039 – CDF 16,194,527.44
Regency FX Cheapest 2307.2575 $0.00 CDF 16,150,802.22 −CDF 43,725.22
MoneyGram 2242.3896 $5.99 CDF 15,696,727.20 −CDF 497,800.24
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,187,527.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 2313.5028 – CDF 16,194,519.62
Regency FX Cheapest 2307.2563 $0.00 CDF 16,150,794.42 −CDF 43,725.20
MoneyGram 2242.3896 $5.99 CDF 15,696,727.20 −CDF 497,792.42
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,187,519.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 2314.9997 – CDF 16,204,998.23
Regency FX Cheapest 2308.7492 $0.00 CDF 16,161,244.73 −CDF 43,753.50
MoneyGram 2242.8450 $5.99 CDF 15,699,915.00 −CDF 505,083.23
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,197,998.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 2315.9997 – CDF 16,211,997.73
Regency FX Cheapest 2309.7465 $0.00 CDF 16,168,225.34 −CDF 43,772.39
MoneyGram No quote collected this day – – – –
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2316.0007 – CDF 16,212,004.59
Regency FX Cheapest 2309.7475 $0.00 CDF 16,168,232.18 −CDF 43,772.41
MoneyGram 2242.3500 $5.99 CDF 15,696,450.00 −CDF 515,554.59
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
MoneyGram Cheapest 2245.7160 $5.99 CDF 15,720,012.00 –
TapTap Send 1.0000 $11.00 CDF 7,000.00 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2316.0004 – CDF 16,212,002.53
Regency FX Cheapest 2309.7472 $0.00 CDF 16,168,230.13 −CDF 43,772.40
MoneyGram 2245.7160 $5.99 CDF 15,720,012.00 −CDF 491,990.53
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,205,002.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 2316.0004 – CDF 16,212,002.53
Regency FX Cheapest 2309.7472 $0.00 CDF 16,168,230.13 −CDF 43,772.40
MoneyGram No quote collected this day – – – –
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2316.0001 – CDF 16,212,000.81
Regency FX Cheapest 2309.7469 $0.00 CDF 16,168,228.41 −CDF 43,772.40
MoneyGram 2245.7160 $5.99 CDF 15,720,012.00 −CDF 491,988.81
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,205,000.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 2315.0001 – CDF 16,205,000.49
Regency FX Cheapest 2308.7496 $0.00 CDF 16,161,246.99 −CDF 43,753.50
MoneyGram 2242.3500 $5.99 CDF 15,696,450.00 −CDF 508,550.49
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,198,000.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 2315.0002 – CDF 16,205,001.26
Regency FX Cheapest 2308.7497 $0.00 CDF 16,161,247.76 −CDF 43,753.50
MoneyGram 2241.3600 $5.99 CDF 15,689,520.00 −CDF 515,481.26
TapTap Send 1.0000 $11.00 CDF 7,000.00 −CDF 16,198,001.26

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/CDF 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 CDF 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 CDF on every transfer from US.

Right now, TapTap Send pays 7,000 CDF on 7,000 USD, which is 16,198,001.26 CDF less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 16,231,059.08 CDF.

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

Cheapest over time

Picking the cheapest money transfer company

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

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 100 comparisons

    Cheapest every time

  2. MoneyGramAppeared in 190 comparisons

    Cheapest in 53% of them

  3. TapTap SendAppeared in 195 comparisons

    Cheapest in 2% 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 TapTap Send is the cheapest and gets you the most CDF, but it was the cheapest in only 2% of the 195 comparisons it appeared in over the past month.

If it's a one-off transfer, go with TapTap Send, since it's the cheapest right now.

Ways to send money from the US to DRC

There are 3 companies available for sending money from the US to Congo DRC, across app, broker, online, 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.

TapTap Send charges $11 on a $7,000 transfer with 199.83% markup, saves your recipient's details for next time, and CDF arrives in minutes.

Over the past month, TapTap Send was the cheapest app on 0% 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 15,689,520 CDF 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 Congo DRC.

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

On a $7,000 transfer, you will get 15,689,520 CDF after a $5.99 fee and 3.23% markup.

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

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

For transfers over $10,000

Currency brokers

For large transfers to DRC (e.g. a property purchase, tuition, or moving to Congo DRC), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/CDF 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 CDF in DRC

With TapTap Send, paying by debit card and receiving through mobile money is the cheapest combination. Sending $7,000 gives your recipient 7,000 CDF.

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

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

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

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 15,689,520 CDF 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 Congo DRC.

Your recipient in Congo DRC can collect CDF through cash pickup, bank deposit, and mobile money.

They can collect cash in DRC

Your recipient can collect CDF from a participating MoneyGram location in Congo DRC.

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

    FC16,161,248

    Cheapest

  2. 2
    Bank transfer Cash pickup

    You pay $7,005.99

    FC15,689,520

    -FC471,728

  3. 3
    Cash deposit Cash pickup

    You pay $7,012.79

    FC15,689,520

    -FC471,728

  4. 4
    Debit card Cash pickup

    You pay $7,015.99

    FC15,689,520

    -FC471,728

  5. 5
    Credit card Cash pickup

    You pay $7,179.99

    FC15,689,520

    -FC471,728

Show moreShow less
  1. 6
    Debit card Mobile money

    You pay $7,011.00

    FC7,000

    -FC16,154,248

Things to consider before sending USD to DRC

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/CDF company

Cheapest way to send money to Congo [DRC]

The cheapest option is TapTap Send, funded by debit card with mobile money for the payout. Your recipient gets 7,000 CDF, which is -230774.97% more than the next best option.

Fastest way to send money to Congo [DRC]

The fastest option is TapTap Send. Pay by debit card and choose mobile money for the payout. Your recipient gets 7,000 CDF, with the money arriving in minutes.

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 Congo DRC?

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 DRC.

While Regency FX may not always be the cheapest or fastest way to send CDF, 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 Congo DRC 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/CDF 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.