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

We compared 4 companies sending money from the United States to Moldova. Regency FX is the best and cheapest, while Revolut is the fastest.

Sending $7,000 with Regency FX gets your recipient 126,309.52 MDL at 18.0442 MDL per USD.

Best companies for USD/MDL transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/MDL transfers

Sort Cheapest
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 17.2088 MDL +5.01% vs mid-market Recipient gets MDL 120,461.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Moldova with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 17.2088 MDL
MDL 120,461.60You pay$7,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 18.0442 MDL +0.27% vs mid-market Recipient gets MDL 126,309.52 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 18.0442 MDL
MDL 126,309.52You pay$7,000.00

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Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 18.0442 MDL +0.27% vs mid-market Recipient gets MDL 126,309.52 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 18.0442 MDL
MDL 126,309.52You pay$7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee $40.50 1 USD = 17.9632 MDL +0.72% vs mid-market Recipient gets MDL 125,015.05 Same day
FastestRecommended
Multi-currency cardReceive to bank account

Ways to receive money in Moldova with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame day
$40.501 USD = 17.9632 MDL
MDL 125,015.05You 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.

$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $5.99 1 USD = 17.5126 MDL +3.26% vs mid-market Recipient gets MDL 122,588.20 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$5.991 USD = 17.5126 MDL
MDL 122,588.20You pay$7,005.99
Bank depositMinutes - 24 hoursAvailable via:Fincom Bank (MDL)
$1.991 USD = 17.3375 MDL
MDL 121,362.50You pay$7,001.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $57.99 1 USD = 17.5126 MDL +3.26% vs mid-market Recipient gets MDL 122,588.20 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$57.991 USD = 17.5126 MDL
MDL 122,588.20You pay$7,057.99
Bank depositMinutes - 24 hoursAvailable via:Fincom Bank (MDL)
$2.491 USD = 17.3375 MDL
MDL 121,362.50You pay$7,002.49
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $179.99 1 USD = 17.5126 MDL +3.26% vs mid-market Recipient gets MDL 122,588.20 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$179.991 USD = 17.5126 MDL
MDL 122,588.20You pay$7,179.99
Bank depositMinutes - 24 hoursAvailable via:Fincom Bank (MDL)
$177.991 USD = 17.3375 MDL
MDL 121,362.50You pay$7,177.99
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 17.3375 MDL +4.27% vs mid-market Recipient gets MDL 121,362.50 Minutes - 24 hours

Ways to receive money in Moldova with MoneyGram when paying by cash deposit.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$60.791 USD = 17.3375 MDL
MDL 121,362.50You pay$7,060.79

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 17.2088 MDL +5.01% vs mid-market Recipient gets MDL 120,461.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Moldova with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 17.2088 MDL
MDL 120,461.60You pay$7,000.00

Xe

Pay via Debit card
Fee $35.00 1 USD = 17.2088 MDL +5.01% vs mid-market Recipient gets MDL 119,859.29 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Moldova with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 17.2088 MDL
MDL 119,859.29You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 17.2088 MDL +5.01% vs mid-market Recipient gets MDL 116,847.75 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Moldova with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 17.2088 MDL
MDL 116,847.75You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 18.0931 MDL Updates every 60 minutes.

How to send money from US to Moldova

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 Moldova.

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

For large transfers, 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.

Pay for it

You have 4 ways to pay for your transfer to Moldova, 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).

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 Moldova?

How much USD you send to Moldova 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
$5000.73%$0.75MDL 8,966.91with bank transfer to bank deposit+MDL 3,244.27
$2,0000.83%$8.00MDL 35,743.09with bank transfer to bank deposit+MDL 12,044.16
$5,0000.66%$27.50MDL 89,371.61with bank transfer to bank deposit+MDL 2,583.56
$7,000This page0.27%$0.00MDL 126,309.52with bank transfer to bank deposit+MDL 4,351.71
$10,0000.27%$0.00MDL 180,442.17with bank transfer to bank deposit+MDL 6,121.15
$50,0000.25%$0.00MDL 902,391.77with bank transfer to bank deposit+MDL 30,804.01
$100,0000.20%$0.00MDL 1,805,688.19with bank transfer to bank deposit+MDL 62,417.16
$250,0000.20%$0.00MDL 4,514,220.47with bank transfer to bank deposit+MDL 155,608.43

Mid-market rate: 1 USD = 18.0931 MDL

USD/MDL Exchange Rate History

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

The cheapest way to send USD to MDL 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 Moldova.

MDL received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rateMDL 126,651.48 Regency FX MDL 126,309.52Regency FXMDL 126,309.52RevolutMDL 125,015.05MoneyGramMDL 122,588.20

118,000
120,000
122,000
124,000
126,000
128,000
At the mid-market rateWith the cheapest optionRegency FXRevolutMoneyGram
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.6907 – MDL 123,835.00
Regency FX Cheapest 17.6429 $0.00 MDL 123,500.64 −MDL 334.36
Revolut 17.6455 $40.50 MDL 122,803.91 −MDL 1,031.09
MoneyGram 17.0561 $1.99 MDL 119,392.70 −MDL 4,442.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.7611 – MDL 124,327.42
Regency FX Cheapest 17.7131 $0.00 MDL 123,991.74 −MDL 335.68
Revolut 17.6448 $40.50 MDL 122,798.72 −MDL 1,528.70
MoneyGram 17.0755 $1.99 MDL 119,528.50 −MDL 4,798.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.7968 – MDL 124,577.58
Regency FX Cheapest 17.7487 $0.00 MDL 124,241.22 −MDL 336.36
Revolut 17.6597 $40.50 MDL 122,902.61 −MDL 1,674.97
MoneyGram 17.0852 $1.99 MDL 119,596.40 −MDL 4,981.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.8991 – MDL 125,293.62
Regency FX Cheapest 17.8508 $0.00 MDL 124,955.33 −MDL 338.29
Revolut 17.7555 $40.50 MDL 123,569.24 −MDL 1,724.38
MoneyGram 17.1240 $1.99 MDL 119,868.00 −MDL 5,425.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.8670 – MDL 125,069.19
Regency FX Cheapest 17.8188 $0.00 MDL 124,731.50 −MDL 337.69
Revolut 17.6201 $110.50 MDL 121,393.88 −MDL 3,675.31
MoneyGram 17.1822 $1.99 MDL 120,275.40 −MDL 4,793.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.8312 – MDL 124,818.15
Regency FX Cheapest 17.7830 $0.00 MDL 124,481.15 −MDL 337.00
Revolut 17.6201 $110.50 MDL 121,393.88 −MDL 3,424.27
MoneyGram 17.1822 $1.99 MDL 120,275.40 −MDL 4,542.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.8572 – MDL 125,000.23
Regency FX Cheapest 17.8090 $0.00 MDL 124,662.72 −MDL 337.51
Revolut 17.8102 $40.50 MDL 123,950.17 −MDL 1,050.06
MoneyGram 17.1822 $1.99 MDL 120,275.40 −MDL 4,724.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9283 – MDL 125,497.97
Regency FX Cheapest 17.8799 $0.00 MDL 125,159.13 −MDL 338.84
Revolut 17.7816 $40.50 MDL 123,751.05 −MDL 1,746.92
MoneyGram 17.2502 $1.99 MDL 120,751.40 −MDL 4,746.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.8365 – MDL 124,855.31
Regency FX Cheapest 17.7883 $0.00 MDL 124,518.20 −MDL 337.11
Revolut 17.7393 $40.50 MDL 123,456.69 −MDL 1,398.62
MoneyGram 17.2016 $1.99 MDL 120,411.20 −MDL 4,444.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.7970 – MDL 124,579.18
Regency FX Cheapest 17.7490 $0.00 MDL 124,242.82 −MDL 336.36
Revolut 17.7984 $40.50 MDL 123,868.10 −MDL 711.08
MoneyGram 17.1725 $1.99 MDL 120,207.50 −MDL 4,371.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.8299 – MDL 124,809.25
Regency FX Cheapest 17.7818 $0.00 MDL 124,472.27 −MDL 336.98
Revolut 17.8002 $40.50 MDL 123,880.38 −MDL 928.87
MoneyGram 17.2502 $1.99 MDL 120,751.40 −MDL 4,057.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9308 – MDL 125,515.95
Regency FX Cheapest 17.8824 $0.00 MDL 125,177.06 −MDL 338.89
Revolut 17.7580 $110.50 MDL 122,343.55 −MDL 3,172.40
MoneyGram 17.2308 $1.99 MDL 120,615.60 −MDL 4,900.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9308 – MDL 125,515.95
Regency FX Cheapest 17.8824 $0.00 MDL 125,177.06 −MDL 338.89
Revolut 17.7580 $110.50 MDL 122,343.55 −MDL 3,172.40
MoneyGram 17.2308 $1.99 MDL 120,615.60 −MDL 4,900.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9186 – MDL 125,430.33
Regency FX Cheapest 17.8702 $0.00 MDL 125,091.67 −MDL 338.66
Revolut 17.8363 $40.50 MDL 124,131.98 −MDL 1,298.35
MoneyGram 17.2308 $1.99 MDL 120,615.60 −MDL 4,814.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9434 – MDL 125,603.63
Regency FX Cheapest 17.8949 $0.00 MDL 125,264.50 −MDL 339.13
Revolut 17.8886 $40.50 MDL 124,495.60 −MDL 1,108.03
MoneyGram 17.2793 $1.99 MDL 120,955.10 −MDL 4,648.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9358 – MDL 125,550.45
Regency FX Cheapest 17.8874 $0.00 MDL 125,211.47 −MDL 338.98
Revolut 17.8538 $40.50 MDL 124,253.19 −MDL 1,297.26
MoneyGram 17.3278 $1.99 MDL 121,294.60 −MDL 4,255.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.8877 – MDL 125,213.67
Regency FX Cheapest 17.8394 $0.00 MDL 124,875.59 −MDL 338.08
Revolut 17.8491 $40.50 MDL 124,220.98 −MDL 992.69
MoneyGram 17.3181 $1.99 MDL 121,226.70 −MDL 3,986.97
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9721 – MDL 125,805.03
Regency FX Cheapest 17.9236 $0.00 MDL 125,465.36 −MDL 339.67
Revolut 17.8413 $40.50 MDL 124,166.61 −MDL 1,638.42
MoneyGram 17.2696 $1.99 MDL 120,887.20 −MDL 4,917.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9665 – MDL 125,765.25
Regency FX Cheapest 17.9180 $0.00 MDL 125,425.68 −MDL 339.57
Revolut 17.7987 $110.50 MDL 122,624.07 −MDL 3,141.18
MoneyGram 17.2502 $1.99 MDL 120,751.40 −MDL 5,013.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9665 – MDL 125,765.25
Regency FX Cheapest 17.9180 $0.00 MDL 125,425.68 −MDL 339.57
Revolut 17.7987 $110.50 MDL 122,624.07 −MDL 3,141.18
MoneyGram 17.2502 $1.99 MDL 120,751.40 −MDL 5,013.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9953 – MDL 125,966.95
Regency FX Cheapest 17.9467 $0.00 MDL 125,626.84 −MDL 340.11
Revolut 17.8282 $40.50 MDL 124,075.19 −MDL 1,891.76
MoneyGram 17.2502 $1.99 MDL 120,751.40 −MDL 5,215.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.8334 – MDL 124,834.05
Regency FX Cheapest 17.7853 $0.00 MDL 124,496.99 −MDL 337.06
MoneyGram 17.2502 $1.99 MDL 120,751.40 −MDL 4,082.65
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9061 – MDL 125,342.99
Regency FX Cheapest 17.8578 $0.00 MDL 125,004.56 −MDL 338.43
Revolut 17.8749 $40.50 MDL 124,400.36 −MDL 942.63
MoneyGram 17.2987 $1.99 MDL 121,090.90 −MDL 4,252.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9917 – MDL 125,941.98
Regency FX Cheapest 17.9431 $0.00 MDL 125,601.94 −MDL 340.04
Revolut 17.9035 $40.50 MDL 124,599.49 −MDL 1,342.49
MoneyGram 17.3763 $1.99 MDL 121,634.10 −MDL 4,307.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 17.9510 – MDL 125,657.34
Regency FX Cheapest 17.9026 $0.00 MDL 125,318.07 −MDL 339.27
Revolut 17.9458 $40.50 MDL 124,893.84 −MDL 763.50
MoneyGram 17.5028 $5.99 MDL 122,519.60 −MDL 3,137.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 18.0372 – MDL 126,260.55
Regency FX Cheapest 17.9885 $0.00 MDL 125,919.64 −MDL 340.91
Revolut 17.8811 $110.50 MDL 123,191.95 −MDL 3,068.60
MoneyGram 17.5518 $5.99 MDL 122,862.60 −MDL 3,397.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 18.0372 – MDL 126,260.55
Regency FX Cheapest 17.9885 $0.00 MDL 125,919.64 −MDL 340.91
Revolut 17.8811 $110.50 MDL 123,191.95 −MDL 3,068.60
MoneyGram 17.5518 $5.99 MDL 122,862.60 −MDL 3,397.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 18.0108 – MDL 126,075.42
Regency FX Cheapest 17.9621 $0.00 MDL 125,735.02 −MDL 340.40
Revolut 17.8820 $40.50 MDL 124,449.53 −MDL 1,625.89
MoneyGram 17.5518 $5.99 MDL 122,862.60 −MDL 3,212.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 18.0091 – MDL 126,063.80
Regency FX Cheapest 17.9605 $0.00 MDL 125,723.43 −MDL 340.37
Revolut 17.8860 $40.50 MDL 124,477.94 −MDL 1,585.86
MoneyGram 17.4930 $5.99 MDL 122,451.00 −MDL 3,612.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 18.0931 – MDL 126,651.48
Regency FX Cheapest 18.0442 $0.00 MDL 126,309.52 −MDL 341.96
Revolut 17.9632 $40.50 MDL 125,015.05 −MDL 1,636.43
MoneyGram 17.5126 $5.99 MDL 122,588.20 −MDL 4,063.28

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/MDL 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 MDL 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 MDL on every transfer from US.

Right now, Regency FX pays 126,309.52 MDL on 7,000 USD, which is 341.96 MDL less than the mid-market amount.

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

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 Moldova.

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. RevolutAppeared in 199 comparisons

    Cheapest in 44% of them

  3. MoneyGramAppeared in 204 comparisons

    Cheapest in 1% 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 MDL, 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 Moldova.

Revolut (today's second cheapest) was the cheapest in only 44% of its comparisons, so it's rarely the cheapest option for transfers to Moldova.

Ways to send money from the US to Moldova

There are 4 companies available for sending money from the US to Moldova, across app, broker, online, multi-currency account, global account, and in person, 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 $40.5 on a $7,000 transfer with 0.72% markup, saves your recipient's details for next time, and MDL arrives in same day.

Over the past month, Revolut 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.

Sending without a US bank account

Cash & in-person transfers

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 122,588.2 MDL in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

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 Moldova.

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

On a $7,000 transfer, you will get 122,588.2 MDL after a $5.99 fee and 3.26% markup.

In our comparisons over the past month, it was the cheapest online service on 25 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 large transfers to Moldova (e.g. a property purchase, tuition, or moving to Moldova), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/MDL 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.

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 MDL.

This is useful for traveling to Moldova, building up MDL balance, or receiving payments in MDL.

Revolut converts $7,000 at 0.72% markup plus small fee and holds the MDL 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 MDL in Moldova

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 126,309.52 MDL.

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 it may take some time for it to clear before a money transfer company can send the money to Moldova.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 122,588.2 MDL on a $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 Moldova.

Your recipient in Moldova can collect MDL through bank deposit and cash pickup.

They can collect cash in Moldova

Your recipient can collect MDL from a participating MoneyGram location in Moldova.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

  1. 1
    Bank transfer Bank deposit

    You pay $7,000.00

    lei126,310

    Cheapest

  2. 2
    Bank transfer Cash pickup

    You pay $7,005.99

    lei122,588

    -lei3,721

  3. 3
    Debit card Cash pickup

    You pay $7,057.99

    lei122,588

    -lei3,721

  4. 4
    Credit card Cash pickup

    You pay $7,179.99

    lei122,588

    -lei3,721

  5. 5
    Debit card Bank deposit

    You pay $7,002.49

    lei121,363

    -lei4,947

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  1. 6
    Credit card Bank deposit

    You pay $7,177.99

    lei121,363

    -lei4,947

  2. 7
    Cash deposit Cash pickup

    You pay $7,060.79

    lei121,363

    -lei4,947

Things to consider before sending USD to Moldova

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/MDL company

Cheapest way to send money to Moldova

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 126,309.52 MDL, which is 1.02% more than the next best option.

Fastest way to send money to Moldova

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 125,015.05 MDL, with the money arriving in same day.

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 Moldova?

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

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

While Regency FX may not always be the cheapest or fastest way to send MDL, 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 Moldova 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/MDL 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.