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

We compared 3 companies sending money from the United States to Laos. Regency FX is the best and cheapest, while Regency FX is the fastest.

Sending $7,000 with Regency FX gets your recipient 157,414,345.9 LAK at 22487.7637 LAK per USD.

Best companies for USD/LAK transfers

3 of 3 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/LAK transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $207.13 1 USD = 22541.8000 LAK +0.03% vs mid-market Recipient gets ₭153,123,517.00 Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$207.131 USD = 22541.8000 LAK
₭153,123,517.00You pay$7,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 22487.7637 LAK +0.27% vs mid-market Recipient gets ₭157,414,345.90 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 22487.7637 LAK
₭157,414,345.90You pay$7,000.00

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Showing top United States to Laos 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 = 22487.7637 LAK +0.27% vs mid-market Recipient gets ₭157,414,345.90 Minutes - 24 hours
CheapestFastest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 22487.7637 LAK
₭157,414,345.90You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $1.99 1 USD = 22022.4894 LAK +2.36% vs mid-market Recipient gets ₭154,157,425.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:BCEL (LAK)
$1.991 USD = 22022.4894 LAK
₭154,157,425.80You pay$7,001.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$0.991 USD = 22021.4452 LAK
₭154,150,116.40You pay$7,000.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $140.00 1 USD = 22022.4894 LAK +2.36% vs mid-market Recipient gets ₭154,157,425.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:BCEL (LAK)
$140.001 USD = 22022.4894 LAK
₭154,157,425.80You pay$7,140.00
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$1.991 USD = 22021.9405 LAK
₭154,153,583.50You pay$7,001.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $177.99 1 USD = 22022.4894 LAK +2.36% vs mid-market Recipient gets ₭154,157,425.80 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:BCEL (LAK)
$177.991 USD = 22022.4894 LAK
₭154,157,425.80You pay$7,177.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$210.001 USD = 22021.4452 LAK
₭154,150,116.40You pay$7,210.00

Wise

Pay via Bank transfer
Fee $207.13 1 USD = 22541.8000 LAK +0.03% vs mid-market Recipient gets ₭153,123,517.00 Within a week
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$207.131 USD = 22541.8000 LAK
₭153,123,517.00You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 22548.6450 LAK Updates every 60 minutes.

How to send money from US to Laos

Pick a company

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

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

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

For large transfers, a broker like Regency FX is the best option.

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 Laos, 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 Laos?

How much USD you send to Laos 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 100% of the transfers from $5,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
$5002.26%$0.00₭11,022,860.00with debit card to bank deposit+₭3,265,007.63
$2,0002.26%$0.00₭44,091,440.00with debit card to bank deposit+₭12,930,861.61
$5,0002.26%$0.00₭110,228,600.00with debit card to bank deposit+₭160,899.88
$7,000This page0.27%$0.00₭157,414,345.90with bank transfer to bank deposit+₭2,812,317.84
$10,0000.27%$0.00₭224,877,636.99with bank transfer to bank deposit+₭3,992,440.19
$50,0000.25%$0.00₭1,124,613,671.42with bank transfer to bank deposit+₭19,907,163.94
$100,0000.20%$0.00₭2,250,354,775.09with bank transfer to bank deposit+₭40,657,529.87
$250,0000.20%$0.00₭5,625,886,937.73with bank transfer to bank deposit+₭101,555,528.18

Mid-market rate: 1 USD = 22548.6450 LAK

USD/LAK Exchange Rate History

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

The cheapest way to send USD to LAK 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 Laos.

LAK received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rate₭157,840,515.29 Regency FX ₭157,414,345.90Regency FX₭157,414,345.90MoneyGram₭154,157,425.80Wise₭153,123,517.00

152M
153M
154M
155M
156M
157M
158M
159M
At the mid-market rateWith the cheapest optionRegency FXMoneyGramWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 22451.4665 – ₭157,160,265.18
Regency FX Cheapest 22390.8475 $0.00 ₭156,735,932.46 −₭424,332.72
MoneyGram 21981.6672 $1.99 ₭153,871,670.40 −₭3,288,594.78
Wise 22449.8000 $172.40 ₭153,278,254.00 −₭3,882,011.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 22440.0001 – ₭157,080,001.00
Regency FX Cheapest 22379.4121 $0.00 ₭156,655,885.00 −₭424,116.00
MoneyGram 22008.1254 $0.99 ₭154,056,877.80 −₭3,023,123.20
Wise 22458.5000 $175.78 ₭153,261,745.00 −₭3,818,256.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 22439.9999 – ₭157,079,999.58
Regency FX Cheapest 22379.4119 $0.00 ₭156,655,883.58 −₭424,116.00
MoneyGram 22034.5623 $1.99 ₭154,241,936.10 −₭2,838,063.48
Wise 22463.1000 $187.77 ₭153,023,804.00 −₭4,056,195.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 22455.0000 – ₭157,185,000.27
Regency FX Cheapest 22394.3715 $0.00 ₭156,760,600.77 −₭424,399.50
MoneyGram 22016.4761 $1.99 ₭154,115,332.70 −₭3,069,667.57
Wise 22476.5000 $182.52 ₭153,233,089.00 −₭3,951,911.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 22457.5038 – ₭157,202,526.45
Regency FX Cheapest 22396.8685 $0.00 ₭156,778,079.63 −₭424,446.82
MoneyGram 22041.7765 $1.99 ₭154,292,435.50 −₭2,910,090.95
Wise 22457.5000 $170.44 ₭153,374,844.00 −₭3,827,682.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 22413.0734 – ₭156,891,513.84
Regency FX Cheapest 22352.5581 $0.00 ₭156,467,906.75 −₭423,607.09
MoneyGram 22041.7765 $1.99 ₭154,292,435.50 −₭2,599,078.34
Wise 22457.5000 $170.44 ₭153,374,844.00 −₭3,516,669.84
Exchange rateFeeRecipient getsDifference
Mid-market rate 22445.2676 – ₭157,116,873.53
Regency FX Cheapest 22384.6654 $0.00 ₭156,692,657.97 −₭424,215.56
MoneyGram 22041.7765 $1.99 ₭154,292,435.50 −₭2,824,438.03
Wise 22462.8000 $176.46 ₭153,275,814.00 −₭3,841,059.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 22423.6943 – ₭156,965,860.14
Regency FX Cheapest 22363.1503 $0.00 ₭156,542,052.31 −₭423,807.83
MoneyGram 22049.6418 $0.99 ₭154,347,492.60 −₭2,618,367.54
Wise 22469.3000 $188.46 ₭153,050,536.00 −₭3,915,324.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 22414.0537 – ₭156,898,375.75
Regency FX Cheapest 22353.5357 $0.00 ₭156,474,750.14 −₭423,625.61
MoneyGram 22025.1456 $0.99 ₭154,176,019.20 −₭2,722,356.55
Wise 22477.5000 $175.87 ₭153,389,382.00 −₭3,508,993.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 22408.3583 – ₭156,858,507.83
Regency FX Cheapest 22347.8557 $0.00 ₭156,434,989.86 −₭423,517.97
MoneyGram 22037.9242 $1.99 ₭154,265,469.40 −₭2,593,038.43
Wise 22488.5000 $175.92 ₭153,463,323.00 −₭3,395,184.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 22403.2659 – ₭156,822,861.42
Regency FX Cheapest 22342.7771 $0.00 ₭156,399,439.69 −₭423,421.73
MoneyGram 22046.0617 $1.99 ₭154,322,431.90 −₭2,500,429.52
Wise 22471.2000 $163.81 ₭153,617,393.00 −₭3,205,468.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 22426.0540 – ₭156,982,377.87
Regency FX Cheapest 22365.5036 $0.00 ₭156,558,525.45 −₭423,852.42
MoneyGram 22002.5329 $1.99 ₭154,017,730.30 −₭2,964,647.57
Wise 22454.3000 $153.71 ₭153,728,650.00 −₭3,253,727.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 22426.0540 – ₭156,982,377.87
Regency FX Cheapest 22365.5036 $0.00 ₭156,558,525.45 −₭423,852.42
MoneyGram 22002.5329 $1.99 ₭154,017,730.30 −₭2,964,647.57
Wise 22454.3000 $153.71 ₭153,728,650.00 −₭3,253,727.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 22410.8568 – ₭156,875,997.54
Regency FX Cheapest 22350.3475 $0.00 ₭156,452,432.34 −₭423,565.20
MoneyGram 22012.4137 $1.99 ₭154,086,895.90 −₭2,789,101.64
Wise 22494.5000 $176.61 ₭153,488,746.00 −₭3,387,251.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 22526.8940 – ₭157,688,258.04
Regency FX Cheapest 22466.0714 $0.00 ₭157,262,499.75 −₭425,758.29
MoneyGram 22005.3831 $0.99 ₭154,037,681.70 −₭3,650,576.34
Wise 22504.5000 $180.41 ₭153,471,463.00 −₭4,216,795.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 22447.3861 – ₭157,131,703.05
Regency FX Cheapest 22386.7782 $0.00 ₭156,707,447.45 −₭424,255.60
MoneyGram 21996.8755 $0.99 ₭153,978,128.50 −₭3,153,574.55
Wise 22497.5000 $197.62 ₭153,036,544.00 −₭4,095,159.05
Exchange rateFeeRecipient getsDifference
Mid-market rate 22502.5025 – ₭157,517,517.81
Regency FX Cheapest 22441.7458 $0.00 ₭157,092,220.51 −₭425,297.30
Wise 22501.3000 $199.62 ₭153,017,390.00 −₭4,500,127.81
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 22495.1283 – ₭157,465,897.89
Regency FX Cheapest 22434.3914 $0.00 ₭157,040,739.97 −₭425,157.92
MoneyGram 21990.3675 $1.99 ₭153,932,572.50 −₭3,533,325.39
Wise 22487.4000 $187.89 ₭153,186,642.00 −₭4,279,255.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 22534.3593 – ₭157,740,515.06
Regency FX Cheapest 22473.5165 $0.00 ₭157,314,615.67 −₭425,899.39
MoneyGram 22001.8676 $0.99 ₭154,013,073.20 −₭3,727,441.86
Wise 22473.3000 $179.17 ₭153,286,559.00 −₭4,453,956.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 22534.3593 – ₭157,740,515.06
Regency FX Cheapest 22473.5165 $0.00 ₭157,314,615.67 −₭425,899.39
MoneyGram 22001.8676 $0.99 ₭154,013,073.20 −₭3,727,441.86
Wise 22473.3000 $179.17 ₭153,286,559.00 −₭4,453,956.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 22570.4994 – ₭157,993,495.79
Regency FX Cheapest 22509.5591 $0.00 ₭157,566,913.35 −₭426,582.44
MoneyGram 22001.8676 $0.99 ₭154,013,073.20 −₭3,980,422.59
Wise 22489.8000 $189.24 ₭153,172,630.00 −₭4,820,865.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 22492.5064 – ₭157,447,545.00
Regency FX Cheapest 22431.7767 $0.00 ₭157,022,436.62 −₭425,108.38
MoneyGram 22007.4724 $0.99 ₭154,052,306.80 −₭3,395,238.20
Wise 22506.4000 $199.00 ₭153,066,026.00 −₭4,381,519.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 22457.9309 – ₭157,205,516.29
Regency FX Cheapest 22397.2945 $0.00 ₭156,781,061.40 −₭424,454.89
MoneyGram 22000.5865 $1.99 ₭154,004,105.50 −₭3,201,410.79
Wise 22494.0000 $191.92 ₭153,140,952.00 −₭4,064,564.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 22509.6702 – ₭157,567,691.48
Regency FX Cheapest 22448.8941 $0.00 ₭157,142,258.71 −₭425,432.77
MoneyGram 22001.5517 $0.99 ₭154,010,861.90 −₭3,556,829.58
Wise 22506.3000 $199.00 ₭153,065,346.00 −₭4,502,345.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 22497.6380 – ₭157,483,466.14
Regency FX Cheapest 22436.8944 $0.00 ₭157,058,260.78 −₭425,205.36
Wise 22510.3000 $201.67 ₭153,032,448.00 −₭4,451,018.14
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 22486.7229 – ₭157,407,060.29
Regency FX Cheapest 22426.0087 $0.00 ₭156,982,061.23 −₭424,999.06
MoneyGram 22005.4988 $0.99 ₭154,038,491.60 −₭3,368,568.69
Wise 22498.5000 $194.32 ₭153,117,591.00 −₭4,289,469.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 22486.7229 – ₭157,407,060.29
Regency FX Cheapest 22426.0087 $0.00 ₭156,982,061.23 −₭424,999.06
MoneyGram 22005.4988 $0.99 ₭154,038,491.60 −₭3,368,568.69
Wise 22498.5000 $194.32 ₭153,117,591.00 −₭4,289,469.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 22453.7543 – ₭157,176,279.75
Regency FX Cheapest 22393.1291 $0.00 ₭156,751,903.79 −₭424,375.96
MoneyGram 22002.5385 $0.99 ₭154,017,769.50 −₭3,158,510.25
Wise 22517.3000 $205.66 ₭152,990,192.00 −₭4,186,087.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 22555.2601 – ₭157,886,820.83
Regency FX Cheapest 22494.3609 $0.00 ₭157,460,526.42 −₭426,294.41
MoneyGram 22055.1236 $1.99 ₭154,385,865.20 −₭3,500,955.63
Wise 22489.3000 $189.23 ₭153,169,450.00 −₭4,717,370.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 22548.6450 – ₭157,840,515.29
Regency FX Cheapest 22487.7637 $0.00 ₭157,414,345.90 −₭426,169.39
MoneyGram 22022.4894 $1.99 ₭154,157,425.80 −₭3,683,089.49
Wise 22541.8000 $207.13 ₭153,123,517.00 −₭4,716,998.29

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/LAK 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 LAK 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 LAK on every transfer from US.

Right now, Regency FX pays 157,414,345.9 LAK on 7,000 USD, which is 426,169.39 LAK less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 157,566,913.35 LAK.

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 Laos.

We've tracked 207 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. Regency FXAppeared in 117 comparisons

    Cheapest every time

  2. MoneyGramAppeared in 201 comparisons

    Cheapest in 34% of them

  3. WiseAppeared in 207 comparisons

    Cheapest in 0% of them

Based on 207 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 LAK, and it was also the cheapest in 100% of the 117 comparisons it appeared in over the past month.

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

MoneyGram (today's second cheapest) was the cheapest in only 34% of its comparisons, so it's rarely the cheapest option for transfers to Laos.

Ways to send money from the US to Laos

There are 3 companies available for sending money from the US to Laos, across online, app, broker, in person, multi-currency account, and global account, 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 $1.99 on a $7,000 transfer with 2.36% markup, saves your recipient's details for next time, and LAK arrives in minutes - 24 hours.

Over the past month, MoneyGram was the cheapest app on 100% 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.

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 Laos.

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

On a $7,000 transfer, you will get 154,157,425.8 LAK after a $1.99 fee and 2.36% markup.

In our comparisons over the past month, it was the cheapest online service on 28 of the 28 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 Laos (e.g. a property purchase, tuition, or moving to Laos), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/LAK 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.

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 LAK.

This is useful for traveling to Laos, building up LAK balance, or receiving payments in LAK.

Wise converts $7,000 at 0.03% markup plus small fee and holds the LAK 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 LAK in Laos

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 157,414,345.9 LAK.

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 Laos.

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

Your recipient in Laos can collect LAK through bank deposit and mobile wallet.

  1. 1
    Bank transfer Bank deposit

    You pay $7,000.00

    ₭157,414,346

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay $7,001.99

    ₭154,157,426

    -₭3,256,920

  3. 3
    Credit card Bank deposit

    You pay $7,177.99

    ₭154,157,426

    -₭3,256,920

  4. 4
    Bank transfer Mobile wallet

    You pay $7,001.99

    ₭154,153,584

    -₭3,260,762

  5. 5
    Debit card Mobile wallet

    You pay $7,000.99

    ₭154,150,116

    -₭3,264,230

Show moreShow less
  1. 6
    Credit card Mobile wallet

    You pay $7,210.00

    ₭154,150,116

    -₭3,264,230

Things to consider before sending USD to Laos

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/LAK company

Cheapest way to send money to Laos

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 157,414,345.9 LAK, which is 2.07% more than the next best option.

Fastest way to send money to Laos

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 157,414,345.9 LAK, with the money arriving in minutes - 24 hours.

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 Laos?

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 Laos.

While Wise may not always be the cheapest or fastest way to send LAK, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

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How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Laos 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 207 comparisons across 8 amounts.

This page covers the cheapest and fastest options for USD/LAK 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.