We compared 6 companies sending money from the United States to Mozambique. TapTap Send is the best and cheapest, while TapTap Send is the fastest.
Sending $7,000 with TapTap Send gets your recipient 487,760 MZN at 69.6800 MZN per USD.
| 6 of 6 providers Last updated on 28 September 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/MZN transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $69.56 1 USD = 63.8415 MZN +0.11% vs mid-market | Recipient gets MZN 442,449.69 Next week | |
Ways to receive money in Mozambique with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext weekAvailable via:SWIFT $69.561 USD = 63.8415 MZN MZN 442,449.69You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 62.5275 MZN +2.19% vs mid-market | Recipient gets MZN 437,692.50 Minutes - 24 hours | |
Ways to receive money in Mozambique with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 62.5275 MZN MZN 437,692.50You pay$7,000.00 | |||
Run a live search Showing top United States to Mozambique 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 MZN rates. | |||
Run a live search These companies offer multi-currency accounts for spending MZN. We suggest doing a live search based on how much USD you're planning to spend in Mozambique. | |||
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. | |||
 TapTap Send Pay via Debit card | Fee $0.00 1 USD = 69.6800 MZN -8.64% vs mid-market | Recipient gets MZN 487,760.00 Minutes | |
Ways to receive money in Mozambique with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:M-PESA Free1 USD = 69.6800 MZN MZN 487,760.00You pay$7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 63.7374 MZN +0.27% vs mid-market | Recipient gets MZN 446,161.81 Minutes - 24 hours | |
Ways to receive money in Mozambique with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 63.7374 MZN MZN 446,161.81You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $69.56 1 USD = 63.8415 MZN +0.11% vs mid-market | Recipient gets MZN 442,449.69 Next week | |
Ways to receive money in Mozambique with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext weekAvailable via:SWIFT $69.561 USD = 63.8415 MZN MZN 442,449.69You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 62.9640 MZN +1.49% vs mid-market | Recipient gets MZN 440,748.00 Minutes - 24 hours | |
Ways to receive money in Mozambique with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 62.9640 MZN MZN 440,748.00You pay$7,060.79 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $0.99 1 USD = 62.5739 MZN +2.11% vs mid-market | Recipient gets MZN 438,017.30 Minutes - 24 hours | |
Ways to receive money in Mozambique with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $0.991 USD = 62.5739 MZN MZN 438,017.30You pay$7,000.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 62.3280 MZN MZN 436,296.00You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 62.3280 MZN MZN 436,296.00You pay$7,075.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $1.99 1 USD = 62.5739 MZN +2.11% vs mid-market | Recipient gets MZN 438,017.30 Minutes - 24 hours | |
Ways to receive money in Mozambique with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $1.991 USD = 62.5739 MZN MZN 438,017.30You pay$7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 62.3280 MZN MZN 436,296.00You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 62.3280 MZN MZN 436,296.00You pay$7,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $210.00 1 USD = 62.5739 MZN +2.11% vs mid-market | Recipient gets MZN 438,017.30 Minutes - 24 hours | |
Ways to receive money in Mozambique with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $210.001 USD = 62.5739 MZN MZN 438,017.30You pay$7,210.00 Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 62.3280 MZN MZN 436,296.00You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 62.3280 MZN MZN 436,296.00You pay$7,179.99 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 62.5275 MZN +2.19% vs mid-market | Recipient gets MZN 437,692.50 Minutes - 24 hours | |
Ways to receive money in Mozambique with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 62.5275 MZN MZN 437,692.50You pay$7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee $0.00 1 USD = 62.3539 MZN +2.46% vs mid-market | Recipient gets MZN 436,477.16 Minutes - 2 days | |
Ways to receive money in Mozambique with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 USD = 62.3539 MZN MZN 436,477.16You pay$7,000.00 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 62.5275 MZN +2.19% vs mid-market | Recipient gets MZN 435,504.04 Minutes - 24 hours | |
Ways to receive money in Mozambique with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 62.5275 MZN MZN 435,504.04You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 62.5275 MZN +2.19% vs mid-market | Recipient gets MZN 424,561.73 Minutes - 24 hours | |
Ways to receive money in Mozambique with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 62.5275 MZN MZN 424,561.73You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 63.9100 MZN Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then TapTap Send is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with TapTap Send.
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 Mozambique, including debit card, bank transfer, 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.
How much USD you send to Mozambique 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $500 | -8.65% | $0.00 | MZN 34,845.00with debit card to bank deposit | +MZN 3,918.67 | |
| $2,000 | -8.64% | $0.00 | MZN 139,360.00with debit card to mobile money | +MZN 10,154.22 | |
| $5,000 | -8.64% | $0.00 | MZN 348,400.00with debit card to mobile money | +MZN 32,768.64 | |
| $7,000This page | -8.64% | $0.00 | MZN 487,760.00with debit card to mobile money | +MZN 45,450.29 | |
| $10,000 | -8.64% | $0.00 | MZN 696,800.00with debit card to mobile money | +MZN 64,059.66 |
Mid-market rate: 1 USD = 63.9100 MZN
There are 6 companies available for sending money from the US to Mozambique, across app, online, broker, multi-currency account, global account, and in person, 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.
TapTap Send charges $0 on a $7,000 transfer with -8.64% markup, saves your recipient's details for next time, and MZN arrives in minutes.
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 440,748 MZN 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 Mozambique.
Of all online companies listed here, Wise gets you the most MZN per USD.
On a $7,000 transfer, you will get 442,449.69 MZN after a $69.56 fee and 0.11% 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 Mozambique (e.g. a property purchase, tuition, or moving to Mozambique), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/MZN 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 MZN.
This is useful for traveling to Mozambique, building up MZN balance, or receiving payments in MZN.
Wise converts $7,000 at 0.11% markup plus small fee and holds the MZN until you spend it.
With TapTap Send, paying by debit card and receiving through mobile money is the cheapest combination. Sending $7,000 gives your recipient 487,760 MZN.
Deposit USD by debit card, bank transfer, 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 Mozambique.
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 440,748 MZN 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 Mozambique.
Your recipient in Mozambique can collect MZN through bank deposit, mobile money, mobile wallet, and cash pickup.
They can collect cash in Mozambique
Your recipient can collect MZN from a participating MoneyGram location in Mozambique.
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
MT487,760
Cheapest
You pay $7,000.00
MT446,162
-MT41,598
You pay $7,060.79
MT440,748
-MT47,012
You pay $7,000.99
MT438,017
-MT49,743
You pay $7,001.99
MT438,017
-MT49,743
You pay $7,210.00
MT438,017
-MT49,743
You pay $7,001.99
MT436,296
-MT51,464
You pay $7,075.99
MT436,296
-MT51,464
You pay $7,005.99
MT436,296
-MT51,464
You pay $7,177.99
MT436,296
-MT51,464
You pay $7,179.99
MT436,296
-MT51,464
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 Mozambique
The cheapest option is TapTap Send, funded by debit card with mobile money for the payout. Your recipient gets 487,760 MZN, which is 8.53% more than the next best option.
Fastest way to send money to Mozambique
The fastest option is TapTap Send. Pay by debit card and choose mobile money for the payout. Your recipient gets 487,760 MZN, 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, TapTap Send is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Mozambique.
While TapTap Send may not always be the cheapest or fastest way to send MZN, 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 MZN your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 63.909493 MZN
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Mozambique 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 Mozambique.
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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