We compared 5 companies sending money from the United States to Jamaica. Regency FX is the best and cheapest, while TapTap Send is the fastest.
Sending $7,000 with Regency FX gets your recipient 1,104,334.45 JMD at 157.7621 JMD per USD.
| 5 of 5 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze USD/JMD exchange rates from our comparisons. | |||
| Based on 7,000 USD transfer Best companies for USD/JMD transfersAll money transfer offers for USD/JMD transfers, sorted by most JMD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee $302.74 1 USD = 158.1500 JMD +0.02% vs mid-market | Recipient gets $1,059,171.67 Within a week | |
Ways to receive money in Jamaica with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $302.741 USD = 158.1500 JMD $1,059,171.67You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 156.4101 JMD +1.13% vs mid-market | Recipient gets $1,094,870.70 Minutes - 24 hours | |
Ways to receive money in Jamaica with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 156.4101 JMD $1,094,870.70You pay$7,000.00 | |||
Run a live search Showing top United States to Jamaica 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 JMD rates. | |||
Run a live search These companies offer multi-currency accounts for spending JMD. We suggest doing a live search based on how much USD you're planning to spend in Jamaica. | |||
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 = 157.7621 JMD +0.27% vs mid-market | Recipient gets $1,104,334.45 Minutes - 24 hours | |
Ways to receive money in Jamaica with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 157.7621 JMD $1,104,334.45You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee $2.99 1 USD = 157.5140 JMD +0.43% vs mid-market | Recipient gets $1,102,598.00 Minutes - 24 hours | |
Ways to receive money in Jamaica with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $2.991 USD = 157.5140 JMD $1,102,598.00You pay$7,002.99 Bank depositMinutes - 24 hoursAvailable via:National Commercial Bank, CIBC FirstCaribbean Bank, Other Banks, Scotiabank, Sagicor Bank (SBJ)+1 more $2.901 USD = 156.0303 JMD $1,092,212.10You pay$7,002.90 Cash pickupMinutes - 24 hours $6.991 USD = 153.8395 JMD $1,076,876.50You pay$7,006.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $74.99 1 USD = 157.5140 JMD +0.43% vs mid-market | Recipient gets $1,102,598.00 Minutes - 24 hours | |
Ways to receive money in Jamaica with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 157.5140 JMD $1,102,598.00You pay$7,074.99 Bank depositMinutes - 24 hoursAvailable via:Jamaica National Bank, Scotiabank, Sagicor Bank (SBJ), CIBC FirstCaribbean Bank, National Commercial Bank+1 more $1.901 USD = 156.0303 JMD $1,092,212.10You pay$7,001.90 Cash pickupMinutes - 24 hours $3.991 USD = 155.2581 JMD $1,086,806.70You pay$7,003.99 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 156.4101 JMD +1.13% vs mid-market | Recipient gets $1,094,870.70 Minutes - 24 hours | |
Ways to receive money in Jamaica with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 156.4101 JMD $1,094,870.70You pay$7,000.00 | |||
 TapTap Send Pay via Debit card | Fee $1.99 1 USD = 156.2900 JMD +1.21% vs mid-market | Recipient gets $1,094,030.00 Minutes | |
Ways to receive money in Jamaica with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes $1.991 USD = 156.2900 JMD $1,094,030.00You pay$7,001.99 Cash pickupMinutesAvailable via:Bank Pickup, Cash Pickup $1.991 USD = 156.2900 JMD $1,094,030.00You pay$7,001.99 Mobile moneyMinutesAvailable via:Cash Pickup $1.991 USD = 156.2900 JMD $1,094,030.00You pay$7,001.99 Card depositMinutesAvailable via:Pay To Card, Prepaid Card $1.991 USD = 156.2900 JMD $1,094,030.00You pay$7,001.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $177.99 1 USD = 156.0303 JMD +1.37% vs mid-market | Recipient gets $1,092,212.10 Minutes - 24 hours | |
Ways to receive money in Jamaica with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:CIBC FirstCaribbean Bank, Other Banks, National Commercial Bank, Scotiabank, Sagicor Bank (SBJ)+1 more $177.991 USD = 156.0303 JMD $1,092,212.10You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 153.8395 JMD $1,076,876.50You pay$7,179.99 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 156.4101 JMD +1.13% vs mid-market | Recipient gets $1,089,396.35 Minutes - 24 hours | |
Ways to receive money in Jamaica with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 156.4101 JMD $1,089,396.35You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $5.59 1 USD = 154.3911 JMD +2.43% vs mid-market | Recipient gets $1,080,737.70 Minutes - 24 hours | |
Ways to receive money in Jamaica with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $5.591 USD = 154.3911 JMD $1,080,737.70You pay$7,005.59 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 156.4101 JMD +1.13% vs mid-market | Recipient gets $1,062,024.58 Minutes - 24 hours | |
Ways to receive money in Jamaica with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 156.4101 JMD $1,062,024.58You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $302.74 1 USD = 158.1500 JMD +0.02% vs mid-market | Recipient gets $1,059,171.67 Within a week | |
Ways to receive money in Jamaica with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $302.741 USD = 158.1500 JMD $1,059,171.67You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 158.189175 JMD 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 MoneyGram.
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 Jamaica, 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 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.
There are 5 companies available for sending money from the US to Jamaica, across app, online, broker, in person, multi-currency account, and global account, 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.
MoneyGram charges $2.99 on a $7,000 transfer with 0.43% markup, saves your recipient's details for next time, and JMD 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 1,102,598 JMD 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 Jamaica.
Of all online companies listed here, MoneyGram gets you the most JMD per USD.
On a $7,000 transfer, you will get 1,102,598 JMD after a $2.99 fee and 0.43% 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 Jamaica (e.g. a property purchase, tuition, or moving to Jamaica), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/JMD 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 Wise is the best for holding and receiving JMD.
This is useful for traveling to Jamaica, building up JMD balance, or receiving payments in JMD.
Wise converts $7,000 at 0.02% markup plus small fee and holds the JMD 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 1,104,334.45 JMD.
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 the it may take some time for it to clear before a money transfer company can send the money to Jamaica.
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 1,102,598 JMD 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 Jamaica.
Your recipient in Jamaica can collect JMD through bank deposit, card deposit, cash pickup, and mobile money.
They can collect cash in Jamaica
Your recipient can collect JMD from a participating MoneyGram location in Jamaica.
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
J$1,104,334
Cheapest
You pay $7,074.99
J$1,102,598
-J$1,736
You pay $7,002.99
J$1,102,598
-J$1,736
You pay $7,001.99
J$1,094,030
-J$10,304
You pay $7,001.99
J$1,094,030
-J$10,304
You pay $7,001.99
J$1,094,030
-J$10,304
You pay $7,177.99
J$1,092,212
-J$12,122
You pay $7,003.99
J$1,086,807
-J$17,528
You pay $7,005.59
J$1,080,738
-J$23,597
You pay $7,179.99
J$1,076,877
-J$27,458
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 Jamaica
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 1,104,334.45 JMD, which is 0.16% more than the next best option.
Fastest way to send money to Jamaica
The fastest option is TapTap Send. Pay by debit card and choose bank deposit for the payout. Your recipient gets 1,094,030 JMD, with the money arriving in minutes.
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 Jamaica.
While Wise may not always be the cheapest or fastest way to send JMD, 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 JMD your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 158.189175 JMD
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Jamaica 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 Jamaica.
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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