Best companies for USD/USD transfers
2 of 2 providers Last updated on 28 October 2026
Based on 250 USD transfer Best companies for USD/USD transfers Sort Cheapest
Promoted Wise Pay via Debit card	Fee $5.97 1 USD = 1.0000 USD 0.00% vs mid-market	Recipient gets $244.03 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Guam with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $5.971 USD = 1.0000 USD $244.03You pay$250.00
Run a live search Showing top United States to Guam deals for 250 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 USD rates.
Run a live search These companies offer multi-currency accounts for spending USD. We suggest doing a live search based on how much USD you're planning to spend in Guam.
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.
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $0.75 1 USD = 1.0000 USD 0.00% vs mid-market	Recipient gets $249.25 Within minutes
10 reviews CheapestFastest Multi-currency cardReceive to bank account
Ways to receive money in Guam with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $0.751 USD = 1.0000 USD $249.25You pay$250.00
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.
Wise Pay via Debit card	Fee $5.97 1 USD = 1.0000 USD 0.00% vs mid-market	Recipient gets $244.03 Same day
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Guam with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $5.971 USD = 1.0000 USD $244.03You pay$250.00
Wise Pay via Bank transfer	Fee $9.03 1 USD = 1.0000 USD 0.00% vs mid-market	Recipient gets $240.97 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Guam with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $9.031 USD = 1.0000 USD $240.97You pay$250.00
Wise Pay via Credit card	Fee $18.15 1 USD = 1.0000 USD 0.00% vs mid-market	Recipient gets $231.85 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Guam with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $18.151 USD = 1.0000 USD $231.85You pay$250.00
How Our Results Work Mid-market rate: 1 USD = 1.0000 USD Updates every 60 minutes.

Why compare

USD/USD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Guam

Pick a company

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

Revolut was the cheapest on 29 of the 29 days it quoted $250 transfers to Guam.

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

How much you send will affect the best option for you right now.

Pay for it

You have 3 ways to pay for your transfer to Guam, including bank transfer, debit card, 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 Guam?

How much USD you send to Guam 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 Revolut was the cheapest in 21% of the transfers from $5,000 it quoted, and in 52% of all the transfers it quoted.


$250This page	0.00%	$0.75	$249.25with bank transfer to bank deposit	+$7.72
$500	0.00%	$0.75	$499.25with bank transfer to bank deposit	+$12.35
$2,000	0.00%	$3.00	$1,997.00with bank transfer to bank deposit	+$38.41
$5,000	0.00%	$7.50	$4,992.50with bank transfer to bank deposit	+$0.76
$7,000	0.00%	$9.03	$6,990.97with bank transfer to bank deposit	+$0.73
$10,000	0.00%	$9.03	$9,990.97with bank transfer to bank deposit	+$2.98
$50,000	0.00%	$9.03	$49,990.97with bank transfer to bank deposit	+$32.99
$100,000	0.00%	$9.03	$99,990.97with bank transfer to bank deposit	+$70.49
$250,000	0.00%	$9.03	$249,990.97with bank transfer to bank deposit	+$145.49

Mid-market rate: 1 USD = 1.0000 USD

USD/USD Exchange Rate History

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

The cheapest way to send USD to USD 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 Revolut), across 30 days of comparisons for 250 USD transfers to Guam.

Each line shows what the recipient gets when you send $250, after fees, as quoted by each company. The mid-market line shows what $250 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/USD 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 USD 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 USD on every transfer from US.

Right now, Revolut pays 249.25 USD on 250 USD, which is 0.75 USD less than the mid-market amount.

Today's payout is the highest in the past month.

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 Revolut is the cheapest and gets you the most USD, and it was also the cheapest in 52% of the 227 comparisons it appeared in over the past month.

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

Wise (today's second cheapest) was the cheapest in 51% of its comparisons, so if you send money to Guam regularly, it's worth comparing it with Revolut before each transfer.

Ways to send money from the US to Guam

There are 2 companies available for sending money from the US to Guam, across app, multi-currency account, global account, and online, 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.

Revolut charges $0.75 on a $250 transfer with 0% markup, saves your recipient's details for next time, and USD arrives in within minutes.

Over the past month, Revolut was the cheapest app on 100% of the days it appeared for $250 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

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 Guam.

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

On a $250 transfer, you will get 244.03 USD after a $5.97 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

Currency brokers

For transfers over $10,000 to Guam, currency brokers like TorFX and Regency FX are the best.

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

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 Revolut is the best for holding and receiving USD.

This is useful for traveling to Guam, building up USD balance, or receiving payments in USD.

Revolut converts $250 at 0% markup plus small fee and holds the USD 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 USD in Guam

With Revolut, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $250 gives your recipient 249.25 USD.

Deposit USD by bank transfer, debit card, 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 Guam.

Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Guam.

Your recipient in Guam can collect USD through bank deposit.

1

Bank transfer Bank deposit

You pay $250.00

$249

Cheapest
2

Debit card Bank deposit

You pay $250.00

$244

-$5
3

Credit card Bank deposit

You pay $250.00

$232

-$17

Things to consider before sending USD to Guam

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/USD company

Cheapest way to send money to Guam

The cheapest option is Revolut, funded by bank transfer with bank deposit for the payout. Your recipient gets 249.25 USD, which is 2.09% more than the next best option.

Fastest way to send money to Guam

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 249.25 USD, 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 Guam?

For transfers over $10,000, Revolut is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Guam.

While Revolut may not always be the cheapest or fastest way to send USD, 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 Guam 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 237 comparisons across 9 amounts.

This page covers the cheapest and fastest options for USD/USD 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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Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	$250.00
Wise Cheapest	1.0000	$5.97	$244.03	−$5.97
Revolut No quote collected this day	–	–	–	–

Compare the best ways to send money from United States to Guam

Best companies for USD/USD transfers

How to send money from US to Guam

Pick a company

Pay for it

Check and send

How much USD are you sending to Guam?

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

Understanding USD/USD exchange rate

Picking the cheapest money transfer company

Is the cheapest money transfer company always the best?

Ways to send money from the US to Guam

Money transfer apps

Online transfers

Currency brokers

Global accounts

Multi-currency accounts

Ways to fund USD and receive USD in Guam

Things to consider before sending USD to Guam

Find the right USD/USD company

Cash-funded transfers now carry a 1% tax

The $10,000 rule is not a transfer limit

You normally have 30 minutes to cancel

Need to send a large amount of USD to Guam?

How we analyze the market

Related transfer routes

Send money from United States

Send money to Guam

Recommendations

Tools & resources