Compare all the best ways to send money to Haiti

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

For instance, today’s average USD to HTG rate is 131.3828 but the highest rate over the past 3 months was 132.5188 HTG/USD.

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

For urgent Gourde transfers, we recommend Wise. It consistently provided the best HTG rates over the past six months.

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

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

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

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

• Wise (debit card): Costs $18.91 + 0% markup.

• Wise (credit card): Costs $59.62 + 0% markup.

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

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

For instance, Wise charges $70.49 for credit card deposits, while Remitly charges $0 for bank transfers.

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

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

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

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

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

The speed of sending Gourde to Haiti depends on factors like the amount of HTG sent, the chosen deposit and withdrawal methods, and when you send HTG.

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

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

• For the fastest transfers, use MoneyGram - Out of 9 companies serving Haiti, MoneyGram appeared 20 times in our searches as the fastest service in the past 6 months.

• For bank and card deposits, use MoneyGram - MoneyGram provides fast and affordable HTG transfers, with fees around $10.45 for bank account deposits and $21.06 for debit/prepaid card deposits, with a small 2% markup on the ‘real’ HTG exchange rate.

• For credit card transfers, use Wise - Wise charges $70.49 for credit card transfers to Haiti with 0% 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 Gourde to be delivered urgently, services like Western Union, MoneyGram, or Ria Money will have it ready within minutes for collection in Haiti.

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

For HTG 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 Wise. Based on our 6-month analysis, Wise ranked as the top provider for sending money to Haiti, appearing in 46 comparisons involving HTG.

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

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

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

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

• Deposit to bank account - For direct bank deposits in Haiti, we recommend Remitly, which appeared in 70% of HTG searches as the cheapest option for bank transfers. HTG will arrive directly to the recipient's bank account in Haiti.

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

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

When making large HTG transfers or sending Gourde 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 Haiti.

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

• Transfer Details: The amount being received in HTG.

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

• SWIFT Code / IBAN: This may be required for bank transfers to Haiti 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. Gourde 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 Wise for transferring large amounts of Gourde.

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

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

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

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