We compared 8 companies sending money from the United States to Guatemala. Regency FX is the best and cheapest, while TapTap Send is the fastest.
Sending $7,000 with Regency FX gets your recipient 53,331.72 GTQ at 7.6188 GTQ per USD.
| 8 of 8 providers Last updated on 27 September 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/GTQ transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $210.32 1 USD = 7.6372 GTQ +0.03% vs mid-market | Recipient gets Q 51,854.28 Within a week | |
Ways to receive money in Guatemala with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $210.321 USD = 7.6372 GTQ Q 51,854.28You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 7.5862 GTQ +0.70% vs mid-market | Recipient gets Q 53,103.40 Minutes - 24 hours | |
Ways to receive money in Guatemala with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 7.5862 GTQ Q 53,103.40You pay$7,000.00 | |||
Run a live search Showing top United States to Guatemala deals for 7,000 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 GTQ rates. | |||
Run a live search These companies offer multi-currency accounts for spending GTQ. We suggest doing a live search based on how much USD you're planning to spend in Guatemala. | |||
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. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 7.6188 GTQ +0.27% vs mid-market | Recipient gets Q 53,331.72 Minutes - 24 hours | |
Ways to receive money in Guatemala with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 7.6188 GTQ Q 53,331.72You pay$7,000.00 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 7.5862 GTQ +0.70% vs mid-market | Recipient gets Q 53,103.40 Minutes - 24 hours | |
Ways to receive money in Guatemala with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 7.5862 GTQ Q 53,103.40You pay$7,000.00 | |||
| Only available via Mobile App  Sendwave Pay via Debit card | Fee $0.00 1 USD = 7.5823 GTQ +0.75% vs mid-market | Recipient gets Q 53,076.24 Minutes - 3 days | |
Ways to receive money in Guatemala with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 7.5823 GTQ Q 53,076.24You pay$7,000.00 Cash pickupMinutes - 3 days Free1 USD = 7.5670 GTQ Q 52,969.28You pay$7,000.00 Card depositMinutes - 3 days Free1 USD = 7.4823 GTQ Q 52,376.03You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee $2.90 1 USD = 7.5789 GTQ +0.80% vs mid-market | Recipient gets Q 53,052.30 Minutes - 24 hours | |
Ways to receive money in Guatemala with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $2.901 USD = 7.5789 GTQ Q 53,052.30You pay$7,002.90 Bank depositMinutes - 24 hoursAvailable via:All Banks, Banrural, Banco Azteca, Banco Promerica $1.991 USD = 7.5528 GTQ Q 52,869.60You pay$7,001.99 Receive via textMinutes - 24 hoursAvailable via:RCVRCHOICE $1.991 USD = 7.5223 GTQ Q 52,656.10You pay$7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $1.991 USD = 7.5192 GTQ Q 52,634.40You pay$7,001.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $70.00 1 USD = 7.5789 GTQ +0.80% vs mid-market | Recipient gets Q 53,052.30 Minutes - 24 hours | |
Ways to receive money in Guatemala with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $70.001 USD = 7.5789 GTQ Q 53,052.30You pay$7,070.00 Bank depositMinutes - 24 hoursAvailable via:Banco Azteca, Banco Promerica, All Banks, Banrural $70.001 USD = 7.5528 GTQ Q 52,869.60You pay$7,070.00 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 7.5193 GTQ Q 52,635.10You pay$7,074.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $179.99 1 USD = 7.5789 GTQ +0.80% vs mid-market | Recipient gets Q 53,052.30 Minutes - 24 hours | |
Ways to receive money in Guatemala with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 7.5789 GTQ Q 53,052.30You pay$7,179.99 Bank depositMinutes - 24 hoursAvailable via:Banco Promerica, All Banks, Banrural, Banco Azteca $177.991 USD = 7.5528 GTQ Q 52,869.60You pay$7,177.99 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee $1.99 1 USD = 7.5709 GTQ +0.90% vs mid-market | Recipient gets Q 52,980.95 Minutes - 2 days | |
Ways to receive money in Guatemala with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days $1.991 USD = 7.5709 GTQ Q 52,980.95You pay$7,000.00 Cash pickupMinutes - 2 days $2.991 USD = 7.5709 GTQ Q 52,973.38You pay$7,000.00 | |||
 TapTap Send Pay via Debit card | Fee $0.00 1 USD = 7.5600 GTQ +1.05% vs mid-market | Recipient gets Q 52,920.00 Minutes | |
Ways to receive money in Guatemala with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutesAvailable via:Banco Industrial (Solo retiro en efectivo), Banrural (Solo retiro en efectivo) Free1 USD = 7.5600 GTQ Q 52,920.00You pay$7,000.00 Mobile moneyMinutesAvailable via:Tigo Free1 USD = 7.5600 GTQ Q 52,920.00You pay$7,000.00 Bank depositMinutes $1.991 USD = 7.5600 GTQ Q 52,920.00You pay$7,001.99 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 7.5862 GTQ +0.70% vs mid-market | Recipient gets Q 52,837.88 Minutes - 24 hours | |
Ways to receive money in Guatemala with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 7.5862 GTQ Q 52,837.88You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 7.4978 GTQ +1.87% vs mid-market | Recipient gets Q 52,484.60 Minutes - 24 hours | |
Ways to receive money in Guatemala with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 7.4978 GTQ Q 52,484.60You pay$7,060.79 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $110.50 1 USD = 7.5828 GTQ +0.74% vs mid-market | Recipient gets Q 52,241.59 Within minutes | |
Ways to receive money in Guatemala with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $110.501 USD = 7.5828 GTQ Q 52,241.59You 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. | |||
| Wise Pay via Bank transfer | Fee $210.32 1 USD = 7.6372 GTQ +0.03% vs mid-market | Recipient gets Q 51,854.28 Within a week | |
Ways to receive money in Guatemala with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $210.321 USD = 7.6372 GTQ Q 51,854.28You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 7.5862 GTQ +0.70% vs mid-market | Recipient gets Q 51,510.30 Minutes - 24 hours | |
Ways to receive money in Guatemala with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 7.5862 GTQ Q 51,510.30You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 7.6394 GTQ Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Regency FX is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with Xe.
For large transfers using 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.
You have 4 ways to pay for your transfer to Guatemala, including debit card, bank transfer, credit card, and cash deposit.
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).
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.
How much USD you send to Guatemala 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $500 | 0.85% | $0.00 | Q 3,787.34with debit card to bank deposit | +Q 153.25 | |
| $2,000 | 0.21% | $0.00 | Q 15,247.00with bank transfer to bank deposit | +Q 319.65 | |
| $5,000 | 0.70% | $0.00 | Q 37,931.00with bank transfer to bank deposit | +Q 353.55 | |
| $7,000This page | 0.27% | $0.00 | Q 53,331.72with bank transfer to bank deposit | +Q 601.12 | |
| $10,000 | 0.27% | $0.00 | Q 76,188.18with bank transfer to bank deposit | +Q 964.32 |
Mid-market rate: 1 USD = 7.6394 GTQ
There are 8 companies available for sending money from the US to Guatemala, across app, online, broker, multi-currency account, global account, and in person, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
Xe charges $0 on a $7,000 transfer with 0.7% markup, saves your recipient's details for next time, and GTQ arrives in minutes - 24 hours.
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
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 53,052.3 GTQ in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Guatemala.
Of all online companies listed here, Xe gets you the most GTQ per USD.
On a $7,000 transfer, you will get 53,103.4 GTQ after a $0 fee and 0.7% markup.
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
For large transfers to Guatemala (e.g. a property purchase, tuition, or moving to Guatemala), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/GTQ that gets lower the more you send.
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 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
A multi-currency account like Revolut is the best for holding and receiving GTQ.
This is useful for traveling to Guatemala, building up GTQ balance, or receiving payments in GTQ.
Revolut converts $7,000 at 0.74% markup plus small fee and holds the GTQ until you spend it.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 53,331.72 GTQ.
Deposit USD by debit card, bank transfer, 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 the it may take some time for it to clear before a money transfer company can send the money to Guatemala.
You can deposit cash
You'll need to visit nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 53,052.3 GTQ on $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 Guatemala.
Your recipient in Guatemala can collect GTQ through bank deposit, cash pickup, card deposit, mobile money, and receive via text.
They can collect cash in Guatemala
Your recipient can collect GTQ from a participating MoneyGram location in Guatemala.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $7,000.00
Q53,332
Cheapest
You pay $7,000.00
Q53,076
-Q255
You pay $7,070.00
Q53,052
-Q279
You pay $7,002.90
Q53,052
-Q279
You pay $7,179.99
Q53,052
-Q279
You pay $7,000.00
Q52,920
-Q412
You pay $7,177.99
Q52,870
-Q462
You pay $7,001.99
Q52,656
-Q676
You pay $7,074.99
Q52,635
-Q697
You pay $7,001.99
Q52,634
-Q697
You pay $7,060.79
Q52,485
-Q847
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Guatemala
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 53,331.72 GTQ, which is 0.43% more than the next best option.
Fastest way to send money to Guatemala
The fastest option is TapTap Send. Pay by debit card and choose cash pickup for the payout. Your recipient gets 52,920 GTQ, with the money arriving in minutos.
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.
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.
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.
For transfers over $10,000, Wise is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Guatemala.
While Wise may not always be the cheapest or fastest way to send GTQ, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
The rate changes how much GTQ your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 7.637958 GTQ
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Guatemala and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to Guatemala.
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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