How to send money to Georgia from the US with the best USD-GEL rate

We compared 5 companies sending money from the United States to Georgia. Regency FX is the best and cheapest, while Revolut is the fastest.

Sending $7,000 with Regency FX gets your recipient 18,082.10 GEL at 2.5832 GEL per USD.

Best companies for USD/GEL transfers

5 of 5 providers

Last updated on 10 November 2026

Based on 7,000 USD transfer

Best companies for USD/GEL transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $100.42 1 USD = 2.5941 GEL -0.15% vs mid-market Recipient gets ₾17,898.20 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Georgia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$100.421 USD = 2.5941 GEL
₾17,898.20You pay$7,000.00
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 2.5413 GEL +1.90% vs mid-market Recipient gets ₾17,789.10 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 2.5413 GEL
₾17,789.10You pay$7,000.00

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Showing top United States to Georgia deals for 7,000 USD. Do a live search with your exact amount for today's best rates.
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Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 2.5832 GEL +0.27% vs mid-market Recipient gets ₾18,082.10 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 2.5832 GEL
₾18,082.10You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $0.80 1 USD = 2.5675 GEL +0.88% vs mid-market Recipient gets ₾17,972.50 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$0.801 USD = 2.5675 GEL
₾17,972.50You pay$7,000.80
Cash pickupMinutes - 24 hours
$3.991 USD = 2.5536 GEL
₾17,875.20You pay$7,003.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $1.99 1 USD = 2.5616 GEL +1.11% vs mid-market Recipient gets ₾17,931.20 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 2.5616 GEL
₾17,931.20You pay$7,001.99
Cash pickupMinutes - 24 hours
$55.991 USD = 2.5536 GEL
₾17,875.20You pay$7,055.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $177.99 1 USD = 2.5616 GEL +1.11% vs mid-market Recipient gets ₾17,931.20 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$177.991 USD = 2.5616 GEL
₾17,931.20You pay$7,177.99
Cash pickupMinutes - 24 hours
$179.991 USD = 2.5536 GEL
₾17,875.20You pay$7,179.99

Wise

Pay via Bank transfer
Fee $100.42 1 USD = 2.5941 GEL -0.15% vs mid-market Recipient gets ₾17,898.20 Same day
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Georgia with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$100.421 USD = 2.5941 GEL
₾17,898.20You pay$7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee $40.50 1 USD = 2.5663 GEL +0.92% vs mid-market Recipient gets ₾17,860.21 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Georgia with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$40.501 USD = 2.5663 GEL
₾17,860.21You 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.

$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 2.5442 GEL +1.79% vs mid-market Recipient gets ₾17,809.40 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$60.791 USD = 2.5442 GEL
₾17,809.40You pay$7,060.79

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 2.5413 GEL +1.90% vs mid-market Recipient gets ₾17,789.10 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 2.5413 GEL
₾17,789.10You pay$7,000.00

Xe

Pay via Debit card
Fee $35.00 1 USD = 2.5413 GEL +1.90% vs mid-market Recipient gets ₾17,700.15 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 2.5413 GEL
₾17,700.15You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 2.5413 GEL +1.90% vs mid-market Recipient gets ₾17,255.43 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 2.5413 GEL
₾17,255.43You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 2.5901 GEL Updates every 60 minutes.

How to send money from US to Georgia

Pick a company

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

Regency FX was the cheapest on 29 of the 30 days it quoted $7,000 transfers to Georgia.

For recurring transfers, I'd suggest using an app like MoneyGram 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 Georgia, 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 Georgia?

How much USD you send to Georgia 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
$5000.48%$0.00₾1,289.05with remitly wallet to bank deposit+₾46.01
$2,0000.51%$0.00₾5,154.40with remitly wallet to bank deposit+₾106.97
$5,0000.48%$0.00₾12,890.50with remitly wallet to bank deposit+₾147.66
$7,000This page0.27%$0.00₾18,082.10with bank transfer to bank deposit+₾259.15
$10,0000.27%$0.00₾25,827.80with bank transfer to bank deposit+₾365.78
$50,0000.25%$0.00₾129,170.66with bank transfer to bank deposit+₾6,166.33
$100,0000.20%$0.00₾258,502.26with bank transfer to bank deposit+₾12,469.70
$250,0000.20%$0.00₾646,281.85with bank transfer to bank deposit+₾31,152.27

Mid-market rate: 1 USD = 2.5901 GEL

USD/GEL Exchange Rate History

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

The cheapest way to send USD to GEL 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 Georgia.

GEL received for $7,000, after fees

Tue, Nov 10, 2026Mid-market rate₾18,131.05 Regency FX ₾18,082.10Regency FX₾18,082.10MoneyGram₾17,972.50Wise₾17,898.20

17,800
17,900
18,000
18,100
18,200
18,300
At the mid-market rateWith the cheapest optionRegency FXMoneyGramWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5902 – ₾18,131.40
Regency FX Cheapest 2.5832 $0.00 ₾18,082.45 −₾48.95
MoneyGram 2.5723 $0.80 ₾18,006.10 −₾125.30
Wise 2.5962 $100.42 ₾17,913.03 −₾218.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5902 – ₾18,131.24
Regency FX Cheapest 2.5832 $0.00 ₾18,082.28 −₾48.96
MoneyGram 2.5625 $0.80 ₾17,937.50 −₾193.74
Wise 2.5960 $100.42 ₾17,911.31 −₾219.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5950 – ₾18,164.85
Regency FX Cheapest 2.5880 $0.00 ₾18,115.81 −₾49.04
Wise 2.6000 $100.42 ₾17,938.91 −₾225.94
MoneyGram 2.5625 $0.80 ₾17,937.50 −₾227.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5900 – ₾18,129.86
Regency FX Cheapest 2.5830 $0.00 ₾18,080.91 −₾48.95
MoneyGram 2.5694 $0.80 ₾17,985.80 −₾144.06
Wise 2.5970 $100.42 ₾17,918.21 −₾211.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5904 – ₾18,132.76
Regency FX Cheapest 2.5834 $0.00 ₾18,083.80 −₾48.96
MoneyGram 2.5645 $0.80 ₾17,951.50 −₾181.26
Wise 2.5955 $100.42 ₾17,907.86 −₾224.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5904 – ₾18,132.74
Regency FX Cheapest 2.5834 $0.00 ₾18,083.78 −₾48.96
MoneyGram 2.5615 $0.80 ₾17,930.50 −₾202.24
Wise 2.5970 $100.42 ₾17,917.86 −₾214.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5904 – ₾18,132.74
Regency FX Cheapest 2.5834 $0.00 ₾18,083.78 −₾48.96
MoneyGram 2.5615 $0.80 ₾17,930.50 −₾202.24
Wise 2.5970 $100.42 ₾17,917.86 −₾214.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5897 – ₾18,127.86
Regency FX Cheapest 2.5827 $0.00 ₾18,078.92 −₾48.94
MoneyGram 2.5615 $0.80 ₾17,930.50 −₾197.36
Wise 2.5953 $100.42 ₾17,906.13 −₾221.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5950 – ₾18,164.79
Regency FX Cheapest 2.5880 $0.00 ₾18,115.75 −₾49.04
MoneyGram 2.5615 $0.80 ₾17,930.50 −₾234.29
Wise 2.5968 $100.42 ₾17,917.17 −₾247.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5898 – ₾18,128.52
Regency FX Cheapest 2.5828 $0.00 ₾18,079.58 −₾48.94
MoneyGram 2.5625 $0.80 ₾17,937.50 −₾191.02
Wise 2.5965 $100.42 ₾17,914.76 −₾213.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5903 – ₾18,132.39
Regency FX Cheapest 2.5833 $0.00 ₾18,083.44 −₾48.95
MoneyGram 2.5615 $0.80 ₾17,930.50 −₾201.89
Wise 2.5965 $100.42 ₾17,914.76 −₾217.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5900 – ₾18,129.84
Regency FX Cheapest 2.5830 $0.00 ₾18,080.89 −₾48.95
MoneyGram 2.5615 $0.80 ₾17,930.50 −₾199.34
Wise 2.5955 $100.42 ₾17,907.86 −₾221.98
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5904 – ₾18,132.74
Regency FX Cheapest 2.5834 $0.00 ₾18,083.78 −₾48.96
MoneyGram 2.5615 $0.80 ₾17,930.50 −₾202.24
Wise 2.5968 $100.42 ₾17,916.48 −₾216.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5904 – ₾18,132.74
Regency FX Cheapest 2.5834 $0.00 ₾18,083.78 −₾48.96
MoneyGram 2.5615 $0.80 ₾17,930.50 −₾202.24
Wise 2.5968 $100.42 ₾17,916.48 −₾216.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5897 – ₾18,128.03
Regency FX Cheapest 2.5827 $0.00 ₾18,079.09 −₾48.94
MoneyGram 2.5615 $0.80 ₾17,930.50 −₾197.53
Wise 2.5950 $100.42 ₾17,904.41 −₾223.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5930 – ₾18,151.06
Regency FX Cheapest 2.5860 $0.00 ₾18,102.06 −₾49.00
MoneyGram 2.5605 $0.80 ₾17,923.50 −₾227.56
Wise 2.5960 $100.42 ₾17,911.31 −₾239.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5705 – ₾17,993.49
Regency FX Cheapest 2.5636 $0.00 ₾17,944.91 −₾48.58
MoneyGram 2.5630 $0.80 ₾17,941.00 −₾52.49
Wise 2.5940 $100.42 ₾17,897.51 −₾95.98
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5675 – ₾17,972.49
MoneyGram Cheapest 2.5615 $0.80 ₾17,930.50 −₾41.99
Regency FX 2.5606 $0.00 ₾17,923.97 −₾48.52
Wise 2.5940 $100.42 ₾17,897.51 −₾74.98
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5983 – ₾18,188.00
Regency FX Cheapest 2.5913 $0.00 ₾18,138.89 −₾49.11
MoneyGram 2.5625 $0.80 ₾17,937.50 −₾250.50
Wise 2.5957 $100.42 ₾17,909.24 −₾278.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.6039 – ₾18,227.03
Regency FX Cheapest 2.5968 $0.00 ₾18,177.81 −₾49.22
MoneyGram 2.5664 $0.80 ₾17,964.80 −₾262.23
Wise 2.5945 $100.42 ₾17,900.96 −₾326.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.6039 – ₾18,227.03
Regency FX Cheapest 2.5968 $0.00 ₾18,177.81 −₾49.22
MoneyGram 2.5664 $0.80 ₾17,964.80 −₾262.23
Wise 2.5945 $100.42 ₾17,900.96 −₾326.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5979 – ₾18,185.32
Regency FX Cheapest 2.5909 $0.00 ₾18,136.22 −₾49.10
MoneyGram 2.5664 $0.80 ₾17,964.80 −₾220.52
Wise 2.5960 $100.42 ₾17,911.31 −₾274.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5950 – ₾18,164.91
Regency FX Cheapest 2.5880 $0.00 ₾18,115.86 −₾49.05
MoneyGram 2.5645 $0.80 ₾17,951.50 −₾213.41
Wise 2.5949 $100.42 ₾17,903.72 −₾261.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5980 – ₾18,185.79
Regency FX Cheapest 2.5910 $0.00 ₾18,136.69 −₾49.10
MoneyGram 2.5635 $0.80 ₾17,944.50 −₾241.29
Wise 2.5960 $100.42 ₾17,911.31 −₾274.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.6050 – ₾18,234.88
Regency FX Cheapest 2.5979 $0.00 ₾18,185.65 −₾49.23
MoneyGram 2.5694 $0.80 ₾17,985.80 −₾249.08
Wise 2.5955 $100.42 ₾17,907.86 −₾327.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.6050 – ₾18,235.20
Regency FX Cheapest 2.5980 $0.00 ₾18,185.96 −₾49.24
MoneyGram 2.5625 $0.80 ₾17,937.50 −₾297.70
Wise 2.5932 $100.42 ₾17,892.34 −₾342.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5950 – ₾18,165.28
Regency FX Cheapest 2.5880 $0.00 ₾18,116.23 −₾49.05
MoneyGram 2.5625 $0.80 ₾17,937.50 −₾227.78
Wise 2.5932 $100.42 ₾17,892.34 −₾272.94
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5950 – ₾18,165.28
Regency FX Cheapest 2.5880 $0.00 ₾18,116.23 −₾49.05
MoneyGram 2.5625 $0.80 ₾17,937.50 −₾227.78
Wise 2.5932 $100.42 ₾17,892.34 −₾272.94
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5950 – ₾18,164.67
Regency FX Cheapest 2.5879 $0.00 ₾18,115.63 −₾49.04
MoneyGram 2.5625 $0.80 ₾17,937.50 −₾227.17
Wise 2.5941 $100.42 ₾17,898.20 −₾266.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5901 – ₾18,131.05
Regency FX Cheapest 2.5832 $0.00 ₾18,082.10 −₾48.95
MoneyGram 2.5675 $0.80 ₾17,972.50 −₾158.55
Wise 2.5941 $100.42 ₾17,898.20 −₾232.85

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/GEL 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 GEL 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 GEL on every transfer from the US.

Right now, Regency FX pays 18,082.10 GEL on 7,000 USD, which is 48.95 GEL less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 18,185.96 GEL.

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 Georgia.

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 147 comparisons

    Cheapest in 97% of them

  2. MoneyGramAppeared in 233 comparisons

    Cheapest in 4% of them

  3. WiseAppeared in 236 comparisons

    Cheapest in 1% 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 GEL, and it was also the cheapest in 97% of the 147 comparisons it appeared in over the past month.

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

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

Ways to send money from the US to Georgia

There are 5 companies available for sending money from the US to Georgia, across app, online, currency broker, multi-currency account, global business account, 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.

MoneyGram charges $0.80 on a $7,000 transfer with 0.88% markup, saves your recipient's details for next time, and GEL arrives in minutes - 24 hours.

Over the past month, MoneyGram was the cheapest app on 97% 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 17,972.50 GEL 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 Georgia.

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

On a $7,000 transfer, you will get 17,972.50 GEL after a $0.80 fee and 0.88% markup.

In our comparisons over the past month, it was the cheapest online service on 29 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

Currency brokers

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

It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).

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.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Wise is the best for holding and receiving GEL.

This is useful for traveling to Georgia, building up GEL balance, or receiving payments in GEL.

Wise converts $7,000 at -0.15% markup plus small fee and holds the GEL until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund USD and receive GEL in Georgia

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 18,082.10 GEL.

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 Georgia.

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 17,972.50 GEL 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 Georgia.

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

Your recipient in Georgia can collect GEL through bank deposit and cash pickup.

They can collect cash in Georgia

Your recipient can collect GEL from a participating MoneyGram location in Georgia.

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

    GEL18,082

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay $7,001.99

    GEL17,931

    -GEL151

  3. 3
    Credit card Bank deposit

    You pay $7,177.99

    GEL17,931

    -GEL151

  4. 4
    Bank transfer Cash pickup

    You pay $7,003.99

    GEL17,875

    -GEL207

  5. 5
    Debit card Cash pickup

    You pay $7,055.99

    GEL17,875

    -GEL207

Show moreShow less
  1. 6
    Credit card Cash pickup

    You pay $7,179.99

    GEL17,875

    -GEL207

  2. 7
    Cash deposit Cash pickup

    You pay $7,060.79

    GEL17,809

    -GEL273

Things to consider before sending USD to Georgia

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/GEL company

Cheapest way to send money to Georgia

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 18,082.10 GEL, which is 0.61% more than the next best option.

Fastest way to send money to Georgia

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 17,860.21 GEL, with the money arriving in within 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 Georgia?

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 Georgia.

While Regency FX may not always be the cheapest or fastest way to send GEL, 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 Georgia 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/GEL 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.