How to send money to Moldova from the US with the best USD-MDL rate
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 125,512.50 MDL at 17.9304 MDL per USD.
Best companies for USD/MDL transfers
4 of 4 providers
Last updated on 10 November 2026i
This page updates weekly. We collect, store, and analyze USD/MDL exchange rates from our comparisons.
Based on 7,000 USD transfer
Best companies for USD/MDL transfers
All money transfer offers for USD/MDL transfers, sorted by most MDL received. The first two offers may be sponsored promotions. Some offers here pay us a commission.
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 = 17.9304 MDL
MDL 125,512.50You pay$7,000.00
Run a live search
Showing top United States to Moldova 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 MDL rates.
Run a live search
These companies offer multi-currency accounts for spending MDL. We suggest doing a live search based on how much USD you're planning to spend in Moldova.
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.
Mid-market rate: 1 USD = 17.9789 MDLUpdates every 60 minutes.
Transfer details
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 like Revolut or a multi-currency account.
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 few days).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's 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.
How much more the cheapest provider gets you than the average of all providers we compared at this amount.
Cheapest service
$500
0.53%
$0.75
MDL 8,928.43with bank transfer to bank deposit
+MDL 3,010.95
$2,000
0.59%
$8.00
MDL 35,602.24with bank transfer to bank deposit
+MDL 10,055.97
$5,000
0.46%
$27.50
MDL 88,988.09with bank transfer to bank deposit
+MDL 2,387.65
$7,000This page
0.27%
$0.00
MDL 125,512.50with bank transfer to bank deposit
+MDL 3,832.48
$10,000
0.27%
$0.00
MDL 179,303.57with bank transfer to bank deposit
+MDL 5,345.72
$50,000
0.25%
$0.00
MDL 896,697.64with bank transfer to bank deposit
+MDL 26,925.68
$100,000
0.20%
$0.00
MDL 1,794,294.22with bank transfer to bank deposit
+MDL 54,627.93
$250,000
0.20%
$0.00
MDL 4,485,735.55with bank transfer to bank deposit
+MDL 136,410.83
Mid-market rate: 1 USD = 17.9789 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.
At the mid-market rateWith the cheapest optionRegency FXRevolutMoneyGram
Nov 4Nov 5Nov 6Nov 7Nov 8Nov 9Nov 10
120,000
122,000
124,000
126,000
128,000
At the mid-market rateWith the cheapest optionRegency FXRevolutMoneyGram
Oct 12Oct 22Oct 31Nov 10
114,000
116,000
118,000
120,000
122,000
124,000
126,000
128,000
At the mid-market rateWith the cheapest optionRegency FXRevolutMoneyGram
Aug 13Sep 12Oct 11Nov 10
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9186
–
MDL 125,430.33
Locked-in rate
Regency FXCheapest
17.8702
$0.00
MDL 125,091.67
−MDL 338.66
Locked-in rate
Revolut
17.8363
$40.50
MDL 124,131.98
−MDL 1,298.35
Locked-in rate
MoneyGram
17.2308
$1.99
MDL 120,615.60
−MDL 4,814.73
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9434
–
MDL 125,603.63
Locked-in rate
Regency FXCheapest
17.8949
$0.00
MDL 125,264.50
−MDL 339.13
Locked-in rate
Revolut
17.8886
$40.50
MDL 124,495.60
−MDL 1,108.03
Locked-in rate
MoneyGram
17.2793
$1.99
MDL 120,955.10
−MDL 4,648.53
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9358
–
MDL 125,550.45
Locked-in rate
Regency FXCheapest
17.8874
$0.00
MDL 125,211.47
−MDL 338.98
Locked-in rate
Revolut
17.8538
$40.50
MDL 124,253.19
−MDL 1,297.26
Locked-in rate
MoneyGram
17.3278
$1.99
MDL 121,294.60
−MDL 4,255.85
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.8877
–
MDL 125,213.67
Locked-in rate
Regency FXCheapest
17.8394
$0.00
MDL 124,875.59
−MDL 338.08
Locked-in rate
Revolut
17.8491
$40.50
MDL 124,220.98
−MDL 992.69
Locked-in rate
MoneyGram
17.3181
$1.99
MDL 121,226.70
−MDL 3,986.97
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9721
–
MDL 125,805.03
Locked-in rate
Regency FXCheapest
17.9236
$0.00
MDL 125,465.36
−MDL 339.67
Locked-in rate
Revolut
17.8413
$40.50
MDL 124,166.61
−MDL 1,638.42
Locked-in rate
MoneyGram
17.2696
$1.99
MDL 120,887.20
−MDL 4,917.83
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9665
–
MDL 125,765.25
Locked-in rate
Regency FXCheapest
17.9180
$0.00
MDL 125,425.68
−MDL 339.57
Locked-in rate
Revolut
17.7987
$110.50
MDL 122,624.07
−MDL 3,141.18
Locked-in rate
MoneyGram
17.2502
$1.99
MDL 120,751.40
−MDL 5,013.85
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9665
–
MDL 125,765.25
Locked-in rate
Regency FXCheapest
17.9180
$0.00
MDL 125,425.68
−MDL 339.57
Locked-in rate
Revolut
17.7987
$110.50
MDL 122,624.07
−MDL 3,141.18
Locked-in rate
MoneyGram
17.2502
$1.99
MDL 120,751.40
−MDL 5,013.85
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9953
–
MDL 125,966.95
Locked-in rate
Regency FXCheapest
17.9467
$0.00
MDL 125,626.84
−MDL 340.11
Locked-in rate
Revolut
17.8282
$40.50
MDL 124,075.19
−MDL 1,891.76
Locked-in rate
MoneyGram
17.2502
$1.99
MDL 120,751.40
−MDL 5,215.55
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.8334
–
MDL 124,834.05
Locked-in rate
Regency FXCheapest
17.7853
$0.00
MDL 124,496.99
−MDL 337.06
Locked-in rate
MoneyGram
17.2502
$1.99
MDL 120,751.40
−MDL 4,082.65
RevolutNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9061
–
MDL 125,342.99
Locked-in rate
Regency FXCheapest
17.8578
$0.00
MDL 125,004.56
−MDL 338.43
Locked-in rate
Revolut
17.8749
$40.50
MDL 124,400.36
−MDL 942.63
Locked-in rate
MoneyGram
17.2987
$1.99
MDL 121,090.90
−MDL 4,252.09
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9917
–
MDL 125,941.98
Locked-in rate
Regency FXCheapest
17.9431
$0.00
MDL 125,601.94
−MDL 340.04
Locked-in rate
Revolut
17.9035
$40.50
MDL 124,599.49
−MDL 1,342.49
Locked-in rate
MoneyGram
17.3763
$1.99
MDL 121,634.10
−MDL 4,307.88
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9510
–
MDL 125,657.34
Locked-in rate
Regency FXCheapest
17.9026
$0.00
MDL 125,318.07
−MDL 339.27
Locked-in rate
Revolut
17.9458
$40.50
MDL 124,893.84
−MDL 763.50
Locked-in rate
MoneyGram
17.5028
$5.99
MDL 122,519.60
−MDL 3,137.74
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
18.0372
–
MDL 126,260.55
Locked-in rate
Regency FXCheapest
17.9885
$0.00
MDL 125,919.64
−MDL 340.91
Locked-in rate
Revolut
17.8811
$110.50
MDL 123,191.95
−MDL 3,068.60
Locked-in rate
MoneyGram
17.5518
$5.99
MDL 122,862.60
−MDL 3,397.95
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
18.0372
–
MDL 126,260.55
Locked-in rate
Regency FXCheapest
17.9885
$0.00
MDL 125,919.64
−MDL 340.91
Locked-in rate
Revolut
17.8811
$110.50
MDL 123,191.95
−MDL 3,068.60
Locked-in rate
MoneyGram
17.5518
$5.99
MDL 122,862.60
−MDL 3,397.95
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
18.0108
–
MDL 126,075.42
Locked-in rate
Regency FXCheapest
17.9621
$0.00
MDL 125,735.02
−MDL 340.40
Locked-in rate
Revolut
17.8820
$40.50
MDL 124,449.53
−MDL 1,625.89
Locked-in rate
MoneyGram
17.5518
$5.99
MDL 122,862.60
−MDL 3,212.82
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
18.0091
–
MDL 126,063.80
Locked-in rate
Regency FXCheapest
17.9605
$0.00
MDL 125,723.43
−MDL 340.37
Locked-in rate
Revolut
17.8860
$40.50
MDL 124,477.94
−MDL 1,585.86
Locked-in rate
MoneyGram
17.4930
$5.99
MDL 122,451.00
−MDL 3,612.80
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
18.0931
–
MDL 126,651.48
Locked-in rate
Regency FXCheapest
18.0442
$0.00
MDL 126,309.52
−MDL 341.96
Locked-in rate
Revolut
17.9632
$40.50
MDL 125,015.05
−MDL 1,636.43
Locked-in rate
MoneyGram
17.5126
$5.99
MDL 122,588.20
−MDL 4,063.28
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9705
–
MDL 125,793.24
Locked-in rate
Regency FXCheapest
17.9219
$0.00
MDL 125,453.60
−MDL 339.64
Locked-in rate
Revolut
17.9162
$40.50
MDL 124,687.80
−MDL 1,105.44
Locked-in rate
MoneyGram
17.4930
$5.99
MDL 122,451.00
−MDL 3,342.24
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
18.0451
–
MDL 126,315.50
Locked-in rate
Regency FXCheapest
17.9964
$0.00
MDL 125,974.45
−MDL 341.05
Locked-in rate
Revolut
17.9209
$40.50
MDL 124,720.69
−MDL 1,594.81
Locked-in rate
MoneyGram
17.4930
$5.99
MDL 122,451.00
−MDL 3,864.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.8777
–
MDL 125,143.85
Locked-in rate
Regency FXCheapest
17.8294
$0.00
MDL 124,805.96
−MDL 337.89
Locked-in rate
Revolut
17.8837
$110.50
MDL 123,210.08
−MDL 1,933.77
Locked-in rate
MoneyGram
17.4930
$5.99
MDL 122,451.00
−MDL 2,692.85
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.8777
–
MDL 125,143.85
Locked-in rate
Regency FXCheapest
17.8294
$0.00
MDL 124,805.96
−MDL 337.89
Locked-in rate
Revolut
17.8837
$110.50
MDL 123,210.08
−MDL 1,933.77
Locked-in rate
MoneyGram
17.4930
$5.99
MDL 122,451.00
−MDL 2,692.85
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9514
–
MDL 125,659.51
Locked-in rate
Regency FXCheapest
17.9029
$0.00
MDL 125,320.23
−MDL 339.28
Locked-in rate
Revolut
17.9267
$40.50
MDL 124,760.86
−MDL 898.65
Locked-in rate
MoneyGram
17.4930
$5.99
MDL 122,451.00
−MDL 3,208.51
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
18.0576
–
MDL 126,403.15
Locked-in rate
Regency FXCheapest
18.0088
$0.00
MDL 126,061.86
−MDL 341.29
Locked-in rate
Revolut
17.9582
$40.50
MDL 124,980.42
−MDL 1,422.73
Locked-in rate
MoneyGram
17.5224
$5.99
MDL 122,656.80
−MDL 3,746.35
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9933
–
MDL 125,953.17
Locked-in rate
Regency FXCheapest
17.9447
$0.00
MDL 125,613.10
−MDL 340.07
Locked-in rate
Revolut
17.9023
$40.50
MDL 124,591.18
−MDL 1,361.99
Locked-in rate
MoneyGram
17.5714
$5.99
MDL 122,999.80
−MDL 2,953.37
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9327
–
MDL 125,529.08
Locked-in rate
Regency FXCheapest
17.8843
$0.00
MDL 125,190.15
−MDL 338.93
Locked-in rate
Revolut
17.7816
$40.50
MDL 123,751.05
−MDL 1,778.03
Locked-in rate
MoneyGram
17.4440
$5.99
MDL 122,108.00
−MDL 3,421.08
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.8982
–
MDL 125,287.58
Locked-in rate
Regency FXCheapest
17.8499
$0.00
MDL 124,949.30
−MDL 338.27
Locked-in rate
Revolut
17.7868
$40.50
MDL 123,787.06
−MDL 1,500.51
Locked-in rate
MoneyGram
17.3264
$5.99
MDL 121,284.80
−MDL 4,002.77
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.8737
–
MDL 125,115.90
Locked-in rate
Regency FXCheapest
17.8254
$0.00
MDL 124,778.09
−MDL 337.81
Locked-in rate
Revolut
17.7135
$110.50
MDL 122,037.03
−MDL 3,078.87
Locked-in rate
MoneyGram
17.3950
$5.99
MDL 121,765.00
−MDL 3,350.90
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9104
–
MDL 125,372.86
Locked-in rate
Regency FXCheapest
17.8620
$0.00
MDL 125,034.35
−MDL 338.51
Locked-in rate
Revolut
17.7135
$110.50
MDL 122,037.03
−MDL 3,335.83
Locked-in rate
MoneyGram
17.3950
$5.99
MDL 121,765.00
−MDL 3,607.86
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9017
–
MDL 125,312.17
Locked-in rate
Regency FXCheapest
17.8534
$0.00
MDL 124,973.82
−MDL 338.35
Locked-in rate
Revolut
17.8485
$40.50
MDL 124,216.48
−MDL 1,095.69
Locked-in rate
MoneyGram
17.3950
$5.99
MDL 121,765.00
−MDL 3,547.17
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
17.9789
–
MDL 125,852.30
Locked-in rate
Regency FXCheapest
17.9304
$0.00
MDL 125,512.50
−MDL 339.80
Locked-in rate
Revolut
17.8556
$40.50
MDL 124,266.10
−MDL 1,586.20
Locked-in rate
MoneyGram
17.4930
$5.99
MDL 122,451.00
−MDL 3,401.30
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Exchange rate
Fee
Recipient gets
Difference
Mid-market rate
17.9789
–
MDL 125,852.30
Regency FX
Revolut
MoneyGram
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 the US.
Right now, Regency FX pays 125,512.50 MDL on 7,000 USD, which is 339.80 MDL less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 126,309.52 MDL.
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 Moldova.
We've tracked 240 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Transfer amount
Locked-in rate
Regency FXAppeared in 35 comparisons
Cheapest every time
Locked-in rate
RevolutAppeared in 56 comparisons
Cheapest in 38% of them
Locked-in rate
MoneyGramAppeared in 56 comparisons
Never the cheapest
Nov 4Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 56 comparisons across 8 amounts over the last 7 days.
Locked-in rate
Regency FXAppeared in 150 comparisons
Cheapest every time
Locked-in rate
RevolutAppeared in 232 comparisons
Cheapest in 38% of them
Locked-in rate
MoneyGramAppeared in 237 comparisons
Cheapest in 1% of them
Oct 12Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 240 comparisons across 8 amounts over the last 30 days.
Locked-in rate
Regency FXAppeared in 275 comparisons
Cheapest in 99% of them
Locked-in rate
RevolutAppeared in 537 comparisons
Cheapest in 47% of them
Locked-in rate
MoneyGramAppeared in 541 comparisons
Cheapest in 0% of them
Aug 13Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 545 comparisons across 8 amounts over the last 90 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 150 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 38% 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, currency broker, online, multi-currency account, global business 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 $40.50 on a $7,000 transfer with 0.69% 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 122,451 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 122,451 MDL after a $5.99 fee and 2.74% markup.
In our comparisons over the past month, it was the cheapest online service on 28 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 0.69% 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 125,512.50 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 122,451 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 and Cash App only send money within the US, so neither can 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
Bank transfer→Bank deposit
You pay $7,000.00
lei125,513
Cheapest
2
Bank transfer→Cash pickup
You pay $7,005.99
lei122,451
-lei3,062
3
Debit card→Cash pickup
You pay $7,057.99
lei122,451
-lei3,062
4
Credit card→Cash pickup
You pay $7,179.99
lei122,451
-lei3,062
5
Debit card→Bank deposit
You pay $7,002.49
lei121,227
-lei4,286
Show moreShow less
6
Credit card→Bank deposit
You pay $7,177.99
lei121,227
-lei4,286
7
Cash deposit→Cash pickup
You pay $7,060.79
lei121,227
-lei4,286
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.
1
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 125,512.50 MDL, which is 0.99% 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 124,266.10 MDL, with the money arriving in same day.
2
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.
3
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.
4
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.
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.
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 the 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 240 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:
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