How to send money to Equatorial Guinea from the US with the best USD-XAF rate

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

Sending $7,000 with Regency FX gets your recipient 4,078,554.40 XAF at 582.6506 XAF per USD.

Best companies for USD/XAF transfers

4 of 4 providers

Last updated on 10 November 2026

Based on 7,000 USD transfer

Best companies for USD/XAF transfers

Sort Cheapest
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 581.4099 XAF +0.48% vs mid-market Recipient gets FCFA 4,069,869.30 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 581.4099 XAF
FCFA 4,069,869.30You pay$7,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 582.6506 XAF +0.27% vs mid-market Recipient gets FCFA 4,078,554.40 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 582.6506 XAF
FCFA 4,078,554.40You pay$7,000.00

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Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 582.6506 XAF +0.27% vs mid-market Recipient gets FCFA 4,078,554.40 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 582.6506 XAF
FCFA 4,078,554.40You pay$7,000.00

TapTap Send

Pay via Debit card
Fee $0.00 1 USD = 582.0000 XAF +0.38% vs mid-market Recipient gets FCFA 4,074,000.00 Minutes
Fastest
Receive to bank account

Ways to receive money in Equatorial Guinea with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutesAvailable via:Muni
Free1 USD = 582.0000 XAF
FCFA 4,074,000.00You pay$7,000.00

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 581.4099 XAF +0.48% vs mid-market Recipient gets FCFA 4,069,869.30 Minutes - 24 hours
Our top pick
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 581.4099 XAF
FCFA 4,069,869.30You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $0.99 1 USD = 580.2337 XAF +0.69% vs mid-market Recipient gets FCFA 4,061,635.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$0.991 USD = 580.2337 XAF
FCFA 4,061,635.90You pay$7,000.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $1.99 1 USD = 580.2337 XAF +0.69% vs mid-market Recipient gets FCFA 4,061,635.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$1.991 USD = 580.2337 XAF
FCFA 4,061,635.90You pay$7,001.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $179.99 1 USD = 580.2337 XAF +0.69% vs mid-market Recipient gets FCFA 4,061,635.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$179.991 USD = 580.2337 XAF
FCFA 4,061,635.90You pay$7,179.99

Xe

Pay via Debit card
Fee $35.00 1 USD = 581.4099 XAF +0.48% vs mid-market Recipient gets FCFA 4,049,519.95 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 581.4099 XAF
FCFA 4,049,519.95You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $0.00 1 USD = 574.8416 XAF +1.62% vs mid-market Recipient gets FCFA 4,023,891.20 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
Free1 USD = 574.8416 XAF
FCFA 4,023,891.20You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 581.4099 XAF +0.48% vs mid-market Recipient gets FCFA 3,947,773.22 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 581.4099 XAF
FCFA 3,947,773.22You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 584.2280 XAF Updates every 60 minutes.

How to send money from US to Equatorial Guinea

Pick a company

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

Regency FX was the cheapest on 27 of the 28 days it quoted $7,000 transfers to Equatorial Guinea.

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

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 Equatorial Guinea, 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 few days).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's 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 Equatorial Guinea?

How much USD you send to Equatorial Guinea 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 97% of the transfers from $5,000 it quoted, and in 97% of all the transfers it quoted.

Cheapest service
$500-6.49%$2.99FCFA 311,670.00with debit card to bank deposit+FCFA 24,888.21
$2,000-4.41%$2.99FCFA 1,221,100.00with remitly wallet to bank deposit+FCFA 60,269.52
$5,000-4.01%$2.99FCFA 3,040,300.00with remitly wallet to bank deposit+FCFA 107,632.06
$7,000This page0.27%$0.00FCFA 4,078,554.40with bank transfer to bank deposit+FCFA 30,941.54
$10,0000.27%$0.00FCFA 5,821,469.79with bank transfer to bank deposit+FCFA 39,725.31
$50,0000.25%$0.00FCFA 29,110,888.28with bank transfer to bank deposit+FCFA 201,772.62
$100,0000.20%$0.00FCFA 58,250,994.24with bank transfer to bank deposit+FCFA 429,516.51
$250,0000.20%$0.00FCFA 145,670,080.74with bank transfer to bank deposit+FCFA 1,693,839.60

Mid-market rate: 1 USD = 584.2280 XAF

USD/XAF Exchange Rate History

Is today a good time to send money from US to Equatorial Guinea?

The cheapest way to send USD to XAF 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 Equatorial Guinea.

XAF received for $7,000, after fees

Tue, Nov 10, 2026Mid-market rateFCFA 4,089,596.31 Regency FX FCFA 4,078,554.40Regency FXFCFA 4,078,554.40TapTap SendFCFA 4,074,000.00XeFCFA 4,069,869.30

4.04M
4.06M
4.08M
4.10M
4.12M
4.14M
At the mid-market rateWith the cheapest optionRegency FXTapTap SendXe
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.4021 – FCFA 4,097,814.62
Regency FX Cheapest 583.8215 $0.00 FCFA 4,086,750.52 −FCFA 11,064.10
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 37,814.62
Xe 579.9085 $0.00 FCFA 4,059,359.50 −FCFA 38,455.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 586.1643 – FCFA 4,103,150.01
Regency FX Cheapest 584.5816 $0.00 FCFA 4,092,071.50 −FCFA 11,078.51
Xe 582.5537 $0.00 FCFA 4,077,875.90 −FCFA 25,274.11
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 43,150.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.5051 – FCFA 4,098,535.97
Regency FX Cheapest 583.9243 $0.00 FCFA 4,087,469.93 −FCFA 11,066.04
Xe 581.9291 $0.00 FCFA 4,073,503.70 −FCFA 25,032.27
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 38,535.97
Exchange rateFeeRecipient getsDifference
Mid-market rate 584.9038 – FCFA 4,094,326.76
Regency FX Cheapest 583.3246 $0.00 FCFA 4,083,272.08 −FCFA 11,054.68
Xe 581.2542 $0.00 FCFA 4,068,779.40 −FCFA 25,547.36
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 34,326.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 583.6834 – FCFA 4,085,784.12
Regency FX Cheapest 582.1075 $0.00 FCFA 4,074,752.50 −FCFA 11,031.62
Xe 580.0635 $0.00 FCFA 4,060,444.50 −FCFA 25,339.62
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 25,784.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 583.7388 – FCFA 4,086,171.78
Regency FX Cheapest 582.1627 $0.00 FCFA 4,075,139.11 −FCFA 11,032.67
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 26,171.77
Xe 578.4097 $0.00 FCFA 4,048,867.90 −FCFA 37,303.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 583.7388 – FCFA 4,086,171.78
Regency FX Cheapest 582.1627 $0.00 FCFA 4,075,139.11 −FCFA 11,032.67
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 26,171.77
Xe 578.4097 $0.00 FCFA 4,048,867.90 −FCFA 37,303.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.2187 – FCFA 4,096,530.93
Regency FX Cheapest 583.6386 $0.00 FCFA 4,085,470.29 −FCFA 11,060.64
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 36,530.93
Xe 578.4097 $0.00 FCFA 4,048,867.90 −FCFA 47,663.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 584.0380 – FCFA 4,088,266.15
Regency FX Cheapest 582.4611 $0.00 FCFA 4,077,227.84 −FCFA 11,038.31
Xe 580.4251 $0.00 FCFA 4,062,975.70 −FCFA 25,290.45
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 28,266.15
Exchange rateFeeRecipient getsDifference
Mid-market rate 584.3916 – FCFA 4,090,741.28
Regency FX Cheapest 582.8138 $0.00 FCFA 4,079,696.28 −FCFA 11,045.00
Xe 580.4772 $0.00 FCFA 4,063,340.40 −FCFA 27,400.88
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 30,741.28
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Xe Cheapest 580.0635 $0.00 FCFA 4,060,444.50 –
TapTap Send 579.0000 $0.00 FCFA 4,053,000.00 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.8343 – FCFA 4,100,840.23
Regency FX Cheapest 584.2526 $0.00 FCFA 4,089,767.96 −FCFA 11,072.27
Xe 580.7358 $0.00 FCFA 4,065,150.60 −FCFA 35,689.63
TapTap Send 579.0000 $0.00 FCFA 4,053,000.00 −FCFA 47,840.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.5534 – FCFA 4,098,873.86
Regency FX Cheapest 583.9724 $0.00 FCFA 4,087,806.90 −FCFA 11,066.96
Xe 581.3057 $0.00 FCFA 4,069,139.90 −FCFA 29,733.96
TapTap Send 579.0000 $0.00 FCFA 4,053,000.00 −FCFA 45,873.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.5534 – FCFA 4,098,873.86
Regency FX Cheapest 583.9724 $0.00 FCFA 4,087,806.90 −FCFA 11,066.96
TapTap Send 579.0000 $0.00 FCFA 4,053,000.00 −FCFA 45,873.86
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.4284 – FCFA 4,097,998.81
Regency FX Cheapest 583.8477 $0.00 FCFA 4,086,934.22 −FCFA 11,064.59
Xe 581.3057 $0.00 FCFA 4,069,139.90 −FCFA 28,858.91
TapTap Send 579.0000 $0.00 FCFA 4,053,000.00 −FCFA 44,998.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 587.8753 – FCFA 4,115,126.86
Regency FX Cheapest 586.2880 $0.00 FCFA 4,104,016.01 −FCFA 11,110.85
Xe 583.0748 $0.00 FCFA 4,081,523.60 −FCFA 33,603.25
TapTap Send 579.0000 $0.00 FCFA 4,053,000.00 −FCFA 62,126.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 589.8561 – FCFA 4,128,992.78
Regency FX Cheapest 588.2635 $0.00 FCFA 4,117,844.50 −FCFA 11,148.28
Xe 584.0740 $0.00 FCFA 4,088,518.00 −FCFA 40,474.78
TapTap Send 579.0000 $0.00 FCFA 4,053,000.00 −FCFA 75,992.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 588.8461 – FCFA 4,121,922.42
Regency FX Cheapest 587.2562 $0.00 FCFA 4,110,793.23 −FCFA 11,129.19
Xe 584.9657 $0.00 FCFA 4,094,759.90 −FCFA 27,162.52
TapTap Send 583.0000 $0.00 FCFA 4,081,000.00 −FCFA 40,922.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 586.7541 – FCFA 4,107,278.66
Regency FX Cheapest 585.1699 $0.00 FCFA 4,096,189.01 −FCFA 11,089.65
Xe 584.2831 $0.00 FCFA 4,089,981.70 −FCFA 17,296.96
TapTap Send 583.0000 $0.00 FCFA 4,081,000.00 −FCFA 26,278.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.3787 – FCFA 4,097,651.03
Regency FX Cheapest 583.7982 $0.00 FCFA 4,086,587.37 −FCFA 11,063.66
TapTap Send 583.0000 $0.00 FCFA 4,081,000.00 −FCFA 16,651.03
Xe 581.2542 $0.00 FCFA 4,068,779.40 −FCFA 28,871.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.3787 – FCFA 4,097,651.03
Regency FX Cheapest 583.7982 $0.00 FCFA 4,086,587.37 −FCFA 11,063.66
TapTap Send 583.0000 $0.00 FCFA 4,081,000.00 −FCFA 16,651.03
Xe 581.2542 $0.00 FCFA 4,068,779.40 −FCFA 28,871.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 586.3336 – FCFA 4,104,335.49
Regency FX Cheapest 584.7505 $0.00 FCFA 4,093,253.79 −FCFA 11,081.70
TapTap Send 583.0000 $0.00 FCFA 4,081,000.00 −FCFA 23,335.49
Xe 581.2542 $0.00 FCFA 4,068,779.40 −FCFA 35,556.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.4677 – FCFA 4,098,274.01
Regency FX Cheapest 583.8870 $0.00 FCFA 4,087,208.67 −FCFA 11,065.34
TapTap Send 583.0000 $0.00 FCFA 4,081,000.00 −FCFA 17,274.01
Xe 580.0635 $0.00 FCFA 4,060,444.50 −FCFA 37,829.51
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 583.0000 $0.00 FCFA 4,081,000.00 –
Xe 581.7213 $0.00 FCFA 4,072,049.10 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 582.4737 – FCFA 4,077,315.64
TapTap Send Cheapest 581.0000 $0.00 FCFA 4,067,000.00 −FCFA 10,315.64
Regency FX 580.9010 $0.00 FCFA 4,066,306.89 −FCFA 11,008.75
Xe 578.0508 $0.00 FCFA 4,046,355.60 −FCFA 30,960.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 586.5238 – FCFA 4,105,666.76
Regency FX Cheapest 584.9402 $0.00 FCFA 4,094,581.46 −FCFA 11,085.30
TapTap Send 580.0000 $0.00 FCFA 4,060,000.00 −FCFA 45,666.76
Xe 579.3933 $0.00 FCFA 4,055,753.10 −FCFA 49,913.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 588.2649 – FCFA 4,117,854.50
Regency FX Cheapest 586.6766 $0.00 FCFA 4,106,736.30 −FCFA 11,118.20
TapTap Send No quote collected this day – – – –
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 588.2649 – FCFA 4,117,854.50
Regency FX Cheapest 586.6766 $0.00 FCFA 4,106,736.30 −FCFA 11,118.20
Xe 582.4495 $0.00 FCFA 4,077,146.50 −FCFA 40,708.00
TapTap Send 581.0000 $0.00 FCFA 4,067,000.00 −FCFA 50,854.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 587.4100 – FCFA 4,111,870.13
Regency FX Cheapest 585.8240 $0.00 FCFA 4,100,768.08 −FCFA 11,102.05
Xe 582.4495 $0.00 FCFA 4,077,146.50 −FCFA 34,723.63
TapTap Send 581.0000 $0.00 FCFA 4,067,000.00 −FCFA 44,870.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 584.2280 – FCFA 4,089,596.31
Regency FX Cheapest 582.6506 $0.00 FCFA 4,078,554.40 −FCFA 11,041.91
TapTap Send 582.0000 $0.00 FCFA 4,074,000.00 −FCFA 15,596.31
Xe 581.4099 $0.00 FCFA 4,069,869.30 −FCFA 19,727.01

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/XAF 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 XAF 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 XAF on every transfer from the US.

Right now, Regency FX pays 4,078,554.40 XAF on 7,000 USD, which is 11,041.91 XAF less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 4,117,844.50 XAF.

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 Equatorial Guinea.

We've tracked 240 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. Regency FXAppeared in 143 comparisons

    Cheapest in 97% of them

  2. TapTap SendAppeared in 232 comparisons

    Cheapest in 4% of them

  3. XeAppeared in 204 comparisons

    Cheapest in 2% of them

Based on 240 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 XAF, and it was also the cheapest in 97% of the 143 comparisons it appeared in over the past month.

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

TapTap Send (today's second cheapest) was the cheapest in only 4% of its comparisons, so it's rarely the cheapest option for transfers to Equatorial Guinea.

Ways to send money from the US to Equatorial Guinea

There are 4 companies available for sending money from the US to Equatorial Guinea, across app, currency 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 $0 on a $7,000 transfer with 0.38% markup, saves your recipient's details for next time, and XAF arrives in minutes.

Over the past month, TapTap Send was the cheapest app on 45% 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 4,061,635.90 XAF 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 Equatorial Guinea.

Of all online companies listed here, Xe gets you the most XAF per USD.

On a $7,000 transfer, you will get 4,069,869.30 XAF after a $0 fee and 0.48% markup.

In our comparisons over the past month, it was the cheapest online service on 28 of the 28 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 Equatorial Guinea (e.g. a property purchase, tuition, or moving to Equatorial Guinea), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/XAF 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 XAF in Equatorial Guinea

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 4,078,554.40 XAF.

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 Equatorial Guinea.

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 4,061,635.90 XAF 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 and Cash App only send money within the US, so neither can send money to Equatorial Guinea.

Venmo now sends money internationally to PayPal users in 90+ countries.

Your recipient in Equatorial Guinea can collect XAF through bank deposit, mobile money, and cash pickup.

They can collect cash in Equatorial Guinea

Your recipient can collect XAF from a participating MoneyGram location in Equatorial Guinea.

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

    FCFA4,078,554

    Cheapest

  2. 2
    Debit card Mobile money

    You pay $7,000.00

    FCFA4,074,000

    -FCFA4,554

  3. 3
    Bank transfer Cash pickup

    You pay $7,001.99

    FCFA4,061,636

    -FCFA16,919

  4. 4
    Debit card Cash pickup

    You pay $7,000.99

    FCFA4,061,636

    -FCFA16,919

  5. 5
    Credit card Cash pickup

    You pay $7,179.99

    FCFA4,061,636

    -FCFA16,919

Show moreShow less
  1. 6
    Debit card Bank deposit

    You pay $7,000.00

    FCFA4,049,520

    -FCFA29,034

  2. 7
    Cash deposit Cash pickup

    You pay $7,000.00

    FCFA4,023,891

    -FCFA54,663

  3. 8
    Credit card Bank deposit

    You pay $7,000.00

    FCFA3,947,773

    -FCFA130,781

Things to consider before sending USD to Equatorial Guinea

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/XAF company

Cheapest way to send money to Equatorial Guinea

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 4,078,554.40 XAF, which is 0.11% more than the next best option.

Fastest way to send money to Equatorial Guinea

The fastest option is TapTap Send. Pay by debit card and choose mobile money for the payout. Your recipient gets 4,074,000 XAF, 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 Equatorial Guinea?

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 Equatorial Guinea.

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

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Equatorial Guinea and the 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 240 comparisons across 8 amounts.

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