Compare the best ways to send money to Fiji

Pay attention to FJD exchange rates, as it determines how much FJD your recipient will receive.

For instance, today’s average USD to FJD rate is 2.3181 but the highest rate over the past 3 months was 2.2738 FJD/USD.

Your aim is to transfer when FJD reaches a higher value so waiting a few days could result in a better rate, hence more FJD received.

For urgent Fiji Dollar transfers, we recommend Revolut. It consistently provided the best FJD rates over the past six months.

How you fund your transfer affects the cost, speed, and the amount of Fiji Dollar the recipient will receive.

The cheapest way to fund your transfer to Fiji is with a Bank transfer via Revolut, which is 1.2% cheaper than the next cheapest service.

Based on our six-month analysis of a $2,000 transfer from to Fiji, here are the top options:

• Revolut (bank transfer): Costs $0 + 0.18% markup on top of the FJD mid-market rate.

• Xe (debit card): Costs $116.02 + 3.7% markup.

• Xe (credit card): Costs $3 + 4.68% markup.

Bank transfer is the most expensive deposit method for Fiji Dollar transfers, so we recommend avoiding it to maximize the amount of FJD received.

Credit card transfers may result in cash advance fees and higher interest rates when sending money to Fiji.

For instance, Wise charges $11.74 for credit card deposits, while Revolut charges $0 for bank transfers.

Avoid sending FJD over the SWIFT network, as it's slower and more expensive. Instead, consider cheaper options like ACH or account balance for FJD transfers.

Money transfer companies often have minimum and maximum limits on how much FJD you can transfer.

The amount of FJD you send can impact the fees and exchange rate. Some services such as WorldRemit may offer a better exchange rate for large FJD transfers.

There may also be government-imposed restrictions, commercial limitations, and other factors that may affect how much FJD you can send.

To ensure your money transfer to Fiji goes smoothly, especially if moving large amounts of Fiji Dollar, use our comparison tool to find the service that best fits your needs.

The speed of sending Fiji Dollar to Fiji depends on factors like the amount of FJD sent, the chosen deposit and withdrawal methods, and when you send FJD.

As a rule of thumb, faster transfers come with higher fees.

Let’s imagine you want to transfer 2,000 USD to Fiji, here are your options:

• For the fastest transfers, use Xe - Out of 10 companies serving Fiji, Xe appeared 8 times in our searches as the fastest service in the past 6 months.

• For bank and card deposits, use Xe - Xe provides fast and affordable FJD transfers, with fees around $0 for bank account deposits and $140.69 for debit/prepaid card deposits, with a small 3.61% markup on the ‘real’ FJD exchange rate.

• For credit card transfers, use Wise - Wise charges $11.74 for credit card transfers to Fiji with 0.42% markup. However, beware of potential cash advance fees and higher interest rates from your credit card company.

• For urgent transfers, use cash transfer services - If you need Fiji Dollar to be delivered urgently, services like Western Union, MoneyGram, or Ria Money will have it ready within minutes for collection in Fiji.

Avoid using the SWIFT network for FJD transfers, as intermediary banks slow the process. Instead, opt for faster and more cost-effective alternatives discussed above.

For FJD transfers, you have the following options:

1. Money transfer company - You can transfer money online using an FX broker (managed service) or a self-managed online company like WorldRemit. Based on our 6-month analysis, WorldRemit ranked as the top provider for sending money to Fiji, appearing in 12 comparisons involving FJD.

2. Mobile apps and digital wallets - Many services available in Fiji offer mobile apps, often giving transfer offers on FJD rates.

3. Cash transfers - You can send cash to Fiji through services like Ria Money, MoneyGram, or Western Union. Cash transfers are typically instant, but the recipient must visit a local agent in Fiji to collect the Fiji Dollar.

4. Wire transfers - While you can wire money to Fiji through your bank, we advise against it. Banks can charge up to $60 per transfer to Fiji and add 5% - 6% to the FJD exchange rate. Instead, use bank transfer to deposit money to WorldRemit and send FJD from there.

There are several ways to receive money in Fiji, and choosing the right one will help the recipient get the most FJD. Mainly, these are:

• Deposit to bank account - For direct bank deposits in Fiji, we recommend Revolut, which appeared in 100% of FJD searches as the cheapest option for bank transfers. FJD will arrive directly to the recipient's bank account in Fiji.

• Deposit to digital or mobile wallet - FJD can be sent directly to digital wallets like PayPal, though this option often has more limitations and higher costs compared to services like Revolut. Recipients in Fiji will need to transfer it to their account, which may incur more fees.

• Cash pickup or home delivery - If the recipient needs FJD urgently or doesn't have access to a bank account in Fiji, cash pickup or door-to-door delivery is a good alternative. Be sure to check if these services are available in Fiji. This will require the recipient to visit a nearby agent in Fiji.

When making large FJD transfers or sending Fiji Dollar for cash pickup, the recipient may need the following:

• Government-Issued ID: This can be a non-expired and valid passport, driver’s license, or national ID of Fiji.

• Sender’s Details: Full name, address, and other personal information.

• Transfer Details: The amount being received in FJD.

• Transfer number: This is given at the time of transfer.

• SWIFT Code / IBAN: This may be required for bank transfers to Fiji from some countries.

*The exact documents may vary depending on the transfer method and service used.

For bank accounts, debit cards, or wallet deposits, the recipient typically doesn’t need to do anything. Fiji Dollar will arrive without their involvement.

For larger transfers, companies may request additional documents like proof of funds and address verification in compliance with Anti-Money Laundering policies.

We recommend using WorldRemit for transferring large amounts of Fiji Dollar.

There may be tax implications and government-imposed limits on Fiji Dollar transfers.

Some Fiji Dollar transfers may be subject to gift tax, commercial tax, and other types of taxes.

Even if no immediate taxes or limits apply, larger FJD transfers may need to be reported to tax authorities in Fiji or your home country.

To be fully safe, we strongly recommend consulting with a tax professional in either Fiji or your home country to ensure compliance with relevant regulations and tax laws.