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

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 485,800 MZN at 69.4000 MZN per USD.

Best companies for USD/MZN transfers

6 of 6 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/MZN transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $69.56 1 USD = 63.8822 MZN +0.04% vs mid-market Recipient gets MZN 442,731.75 Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$69.561 USD = 63.8822 MZN
MZN 442,731.75You 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
Personal account managerReceive to bank accountDedicated support for larger transactions

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.

TapTap Send

Pay via Debit card
Fee $0.00 1 USD = 69.4000 MZN -8.24% vs mid-market Recipient gets MZN 485,800.00 Minutes
CheapestFastest
Receive to bank account

Ways to receive money in Mozambique with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutesAvailable via:M-PESA
Free1 USD = 69.4000 MZN
MZN 485,800.00You pay$7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 63.7373 MZN +0.27% vs mid-market Recipient gets MZN 446,160.92 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 63.7373 MZN
MZN 446,160.92You pay$7,000.00

Wise

Pay via Bank transfer
Fee $69.56 1 USD = 63.8822 MZN +0.04% vs mid-market Recipient gets MZN 442,731.75 Within a week
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$69.561 USD = 63.8822 MZN
MZN 442,731.75You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 63.2462 MZN +1.04% vs mid-market Recipient gets MZN 442,723.40 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 = 63.2462 MZN
MZN 442,723.40You pay$7,060.79
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $1.99 1 USD = 62.6073 MZN +2.06% vs mid-market Recipient gets MZN 438,251.10 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 62.6073 MZN
MZN 438,251.10You pay$7,001.99
Cash pickupMinutes - 24 hours
$5.991 USD = 62.6073 MZN
MZN 438,251.10You pay$7,005.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$1.991 USD = 62.5739 MZN
MZN 438,017.30You pay$7,001.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $1.99 1 USD = 62.6073 MZN +2.06% vs mid-market Recipient gets MZN 438,251.10 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 62.6073 MZN
MZN 438,251.10You pay$7,001.99
Cash pickupMinutes - 24 hours
$75.991 USD = 62.6073 MZN
MZN 438,251.10You pay$7,075.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$0.991 USD = 62.5739 MZN
MZN 438,017.30You pay$7,000.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $177.99 1 USD = 62.6073 MZN +2.06% vs mid-market Recipient gets MZN 438,251.10 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$177.991 USD = 62.6073 MZN
MZN 438,251.10You pay$7,177.99
Cash pickupMinutes - 24 hours
$179.991 USD = 62.6073 MZN
MZN 438,251.10You pay$7,179.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$210.001 USD = 62.5739 MZN
MZN 438,017.30You pay$7,210.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee $0.00 1 USD = 62.5725 MZN +2.11% vs mid-market Recipient gets MZN 438,007.43 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Mozambique with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 2 days
Free1 USD = 62.5725 MZN
MZN 438,007.43You pay$7,000.00

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
Personal account managerReceive to bank accountDedicated support for larger transactions

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

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
Personal account managerReceive to bank accountDedicated support for larger transactions

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
Personal account managerReceive to bank accountDedicated support for larger transactions

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 = 63.9098 MZN Updates every 60 minutes.

How to send money from US to Mozambique

Pick a company

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

TapTap Send was the cheapest on 30 of the 30 days it quoted $7,000 transfers to Mozambique.

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

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 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).

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 Mozambique?

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.

Our analysis shows TapTap Send was the cheapest in 86% of the transfers from $5,000 it quoted, and in 61% of all the transfers it quoted.

Cheapest service
$500-11.92%$0.00MZN 36,005.00with debit card to bank deposit+MZN 4,280.94
$2,000-9.11%$0.00MZN 140,020.00with debit card to bank deposit+MZN 12,670.22
$5,000-8.55%$0.00MZN 348,100.00with debit card to bank deposit+MZN 23,056.24
$7,000This page-8.24%$0.00MZN 485,800.00with debit card to mobile money+MZN 43,260.45
$10,000-8.24%$0.00MZN 694,000.00with debit card to mobile money+MZN 61,763.25
$50,000-8.24%$0.00MZN 3,470,000.00with debit card to mobile money+MZN 305,134.89
$100,000-8.24%$0.00MZN 6,940,000.00with debit card to mobile money+MZN 609,864.40
$250,000-8.24%$0.00MZN 17,350,000.00with debit card to mobile money+MZN 1,524,211.62

Mid-market rate: 1 USD = 63.9098 MZN

USD/MZN Exchange Rate History

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

The cheapest way to send USD to MZN 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 TapTap Send), across 30 days of comparisons for 7,000 USD transfers to Mozambique.

MZN received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rateMZN 447,368.82 TapTap Send MZN 485,800.00TapTap SendMZN 485,800.00Regency FXMZN 446,160.92WiseMZN 442,731.75

430,000
440,000
450,000
460,000
470,000
480,000
490,000
500,000
At the mid-market rateWith the cheapest optionTapTap SendRegency FXWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8799 – MZN 447,159.50
TapTap Send Cheapest 69.6800 $0.00 MZN 487,760.00 +MZN 40,600.50
Regency FX 63.7075 $0.00 MZN 445,952.17 −MZN 1,207.33
Wise 64.0220 $90.80 MZN 442,340.80 −MZN 4,818.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9104 – MZN 447,373.01
TapTap Send Cheapest 69.6800 $0.00 MZN 487,760.00 +MZN 40,386.99
Regency FX 63.7379 $0.00 MZN 446,165.10 −MZN 1,207.91
Wise 64.0809 $103.08 MZN 441,960.84 −MZN 5,412.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8635 – MZN 447,044.25
TapTap Send Cheapest 69.6800 $0.00 MZN 487,760.00 +MZN 40,715.75
Regency FX 63.6910 $0.00 MZN 445,837.23 −MZN 1,207.02
Wise 63.9389 $72.99 MZN 442,905.40 −MZN 4,138.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9102 – MZN 447,371.74
TapTap Send Cheapest 66.2700 $0.00 MZN 463,890.00 +MZN 16,518.26
Regency FX 63.7377 $0.00 MZN 446,163.84 −MZN 1,207.90
Wise 64.0223 $90.80 MZN 442,342.88 −MZN 5,028.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9037 – MZN 447,326.10
TapTap Send Cheapest 67.3600 $0.00 MZN 471,520.00 +MZN 24,193.90
Regency FX 63.7312 $0.00 MZN 446,118.32 −MZN 1,207.78
Wise 63.6250 $69.56 MZN 440,949.25 −MZN 6,376.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9037 – MZN 447,326.10
TapTap Send Cheapest 67.5200 $0.00 MZN 472,640.00 +MZN 25,313.90
Regency FX 63.7312 $0.00 MZN 446,118.32 −MZN 1,207.78
Wise 63.6250 $69.56 MZN 440,949.25 −MZN 6,376.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8967 – MZN 447,277.11
TapTap Send Cheapest 66.9800 $0.00 MZN 468,860.00 +MZN 21,582.89
Regency FX 63.7242 $0.00 MZN 446,069.46 −MZN 1,207.65
Wise 64.0518 $96.94 MZN 442,153.42 −MZN 5,123.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9097 – MZN 447,367.98
TapTap Send Cheapest 67.5900 $0.00 MZN 473,130.00 +MZN 25,762.02
Regency FX 63.7372 $0.00 MZN 446,160.08 −MZN 1,207.90
Wise 64.0293 $92.17 MZN 442,303.52 −MZN 5,064.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8969 – MZN 447,278.14
TapTap Send Cheapest 67.5900 $0.00 MZN 473,130.00 +MZN 25,851.86
Regency FX 63.7244 $0.00 MZN 446,070.49 −MZN 1,207.65
Wise 63.9046 $69.56 MZN 442,887.00 −MZN 4,391.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9098 – MZN 447,368.43
TapTap Send Cheapest 67.5900 $0.00 MZN 473,130.00 +MZN 25,761.57
Regency FX 63.7372 $0.00 MZN 446,160.54 −MZN 1,207.89
Wise 63.9064 $69.56 MZN 442,899.47 −MZN 4,468.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8998 – MZN 447,298.52
TapTap Send Cheapest 67.5900 $0.00 MZN 473,130.00 +MZN 25,831.48
Regency FX 63.7273 $0.00 MZN 446,090.82 −MZN 1,207.70
Wise 63.7647 $69.56 MZN 441,917.43 −MZN 5,381.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9104 – MZN 447,372.64
TapTap Send Cheapest 67.7000 $0.00 MZN 473,900.00 +MZN 26,527.36
Regency FX 63.7378 $0.00 MZN 446,164.73 −MZN 1,207.91
Wise 63.7426 $69.56 MZN 441,764.26 −MZN 5,608.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9104 – MZN 447,372.64
TapTap Send Cheapest 67.3200 $0.00 MZN 471,240.00 +MZN 23,867.36
Regency FX 63.7378 $0.00 MZN 446,164.73 −MZN 1,207.91
Wise 63.7426 $69.56 MZN 441,764.26 −MZN 5,608.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9100 – MZN 447,369.71
TapTap Send Cheapest 67.7400 $0.00 MZN 474,180.00 +MZN 26,810.29
Regency FX 63.7374 $0.00 MZN 446,161.81 −MZN 1,207.90
Wise 64.0464 $96.26 MZN 442,159.69 −MZN 5,210.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9099 – MZN 447,369.49
TapTap Send Cheapest 64.3600 $0.00 MZN 450,520.00 +MZN 3,150.51
Regency FX 63.7374 $0.00 MZN 446,161.59 −MZN 1,207.90
Wise 63.8864 $69.56 MZN 442,760.86 −MZN 4,608.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8998 – MZN 447,298.70
TapTap Send Cheapest 65.5000 $0.00 MZN 458,500.00 +MZN 11,201.30
Regency FX 63.7273 $0.00 MZN 446,091.00 −MZN 1,207.70
Wise 64.0699 $101.04 MZN 442,015.68 −MZN 5,283.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9100 – MZN 447,370.32
TapTap Send Cheapest 65.5000 $0.00 MZN 458,500.00 +MZN 11,129.68
Regency FX 63.7375 $0.00 MZN 446,162.42 −MZN 1,207.90
Wise 64.0729 $101.72 MZN 441,992.80 −MZN 5,377.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8876 – MZN 447,212.86
TapTap Send Cheapest 67.2700 $0.00 MZN 470,890.00 +MZN 23,677.14
Regency FX 63.7151 $0.00 MZN 446,005.38 −MZN 1,207.48
Wise 63.9064 $69.56 MZN 442,899.47 −MZN 4,313.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9037 – MZN 447,326.10
TapTap Send Cheapest 67.7700 $0.00 MZN 474,390.00 +MZN 27,063.90
Regency FX 63.7312 $0.00 MZN 446,118.32 −MZN 1,207.78
Wise 63.7482 $69.56 MZN 441,803.08 −MZN 5,523.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9037 – MZN 447,326.10
TapTap Send Cheapest 67.7700 $0.00 MZN 474,390.00 +MZN 27,063.90
Regency FX 63.7312 $0.00 MZN 446,118.32 −MZN 1,207.78
Wise 63.7482 $69.56 MZN 441,803.08 −MZN 5,523.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9026 – MZN 447,318.47
TapTap Send Cheapest 67.7700 $0.00 MZN 474,390.00 +MZN 27,071.53
Regency FX 63.7301 $0.00 MZN 446,110.71 −MZN 1,207.76
Wise 63.9153 $69.56 MZN 442,961.15 −MZN 4,357.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9101 – MZN 447,370.69
TapTap Send Cheapest 67.9600 $0.00 MZN 475,720.00 +MZN 28,349.31
Regency FX 63.7375 $0.00 MZN 446,162.79 −MZN 1,207.90
Wise 64.0878 $105.12 MZN 441,877.69 −MZN 5,493.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8999 – MZN 447,299.41
TapTap Send Cheapest 67.4800 $0.00 MZN 472,360.00 +MZN 25,060.59
Regency FX 63.7274 $0.00 MZN 446,091.70 −MZN 1,207.71
Wise 64.0605 $98.99 MZN 442,082.15 −MZN 5,217.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9068 – MZN 447,347.36
TapTap Send Cheapest 69.3500 $0.00 MZN 485,450.00 +MZN 38,102.64
Regency FX 63.7342 $0.00 MZN 446,139.52 −MZN 1,207.84
Wise 63.8203 $69.56 MZN 442,302.76 −MZN 5,044.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8986 – MZN 447,289.91
TapTap Send Cheapest 69.3500 $0.00 MZN 485,450.00 +MZN 38,160.09
Regency FX 63.7260 $0.00 MZN 446,082.23 −MZN 1,207.68
Wise 64.0698 $101.04 MZN 442,014.99 −MZN 5,274.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9037 – MZN 447,326.10
TapTap Send Cheapest 69.3600 $0.00 MZN 485,520.00 +MZN 38,193.90
Regency FX 63.7312 $0.00 MZN 446,118.32 −MZN 1,207.78
Wise 63.8157 $69.56 MZN 442,270.88 −MZN 5,055.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9037 – MZN 447,326.10
TapTap Send Cheapest 69.3600 $0.00 MZN 485,520.00 +MZN 38,193.90
Regency FX 63.7312 $0.00 MZN 446,118.32 −MZN 1,207.78
Wise 63.8157 $69.56 MZN 442,270.88 −MZN 5,055.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.8895 – MZN 447,226.59
TapTap Send Cheapest 69.3600 $0.00 MZN 485,520.00 +MZN 38,293.41
Regency FX 63.7170 $0.00 MZN 446,019.08 −MZN 1,207.51
Wise 64.0516 $96.94 MZN 442,152.04 −MZN 5,074.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9103 – MZN 447,372.30
TapTap Send Cheapest 69.3560 $0.00 MZN 485,492.00 +MZN 38,119.70
Regency FX 63.7378 $0.00 MZN 446,164.40 −MZN 1,207.90
Wise 63.8922 $69.56 MZN 442,801.06 −MZN 4,571.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 63.9098 – MZN 447,368.82
TapTap Send Cheapest 69.4000 $0.00 MZN 485,800.00 +MZN 38,431.18
Regency FX 63.7373 $0.00 MZN 446,160.92 −MZN 1,207.90
Wise 63.8822 $69.56 MZN 442,731.75 −MZN 4,637.07

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/MZN 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 MZN per USD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 30 of the last 30 days.

Right now, TapTap Send pays 485,800 MZN on 7,000 USD, which is 38,431.18 MZN more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 487,760 MZN.

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.

If you need to send money now, it's a good time to send.

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 Mozambique.

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

  1. TapTap SendAppeared in 207 comparisons

    Cheapest in 61% of them

  2. Regency FXAppeared in 117 comparisons

    Never the cheapest

  3. WiseAppeared in 207 comparisons

    Never the cheapest

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 TapTap Send is the cheapest and gets you the most MZN, and it was also the cheapest in 61% of the 207 comparisons it appeared in over the past month.

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

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Mozambique.

Ways to send money from the US to Mozambique

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

Money transfer apps

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 -8.24% markup, saves your recipient's details for next time, and MZN arrives in minutes.

Over the past month, TapTap Send 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 442,723.4 MZN 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 Mozambique.

Of all online companies listed here, Wise gets you the most MZN per USD.

On a $7,000 transfer, you will get 442,731.75 MZN after a $69.56 fee and 0.04% markup.

In our comparisons over the past month, it was the cheapest online service on 12 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 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.

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 MZN.

This is useful for traveling to Mozambique, building up MZN balance, or receiving payments in MZN.

Wise converts $7,000 at 0.04% markup plus small fee and holds the MZN 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 MZN in Mozambique

With TapTap Send, paying by debit card and receiving through mobile money is the cheapest combination. Sending $7,000 gives your recipient 485,800 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 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 the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 442,723.4 MZN 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 Mozambique.

Your recipient in Mozambique can collect MZN through bank deposit, mobile money, cash pickup, and mobile wallet.

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.

  1. 1
    Debit card Mobile money

    You pay $7,000.00

    MT485,800

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay $7,000.00

    MT446,161

    -MT39,639

  3. 3
    Cash deposit Cash pickup

    You pay $7,060.79

    MT442,723

    -MT43,077

  4. 4
    Debit card Bank deposit

    You pay $7,001.99

    MT438,251

    -MT47,549

  5. 5
    Debit card Cash pickup

    You pay $7,075.99

    MT438,251

    -MT47,549

Show moreShow less
  1. 6
    Bank transfer Cash pickup

    You pay $7,005.99

    MT438,251

    -MT47,549

  2. 7
    Credit card Bank deposit

    You pay $7,177.99

    MT438,251

    -MT47,549

  3. 8
    Credit card Cash pickup

    You pay $7,179.99

    MT438,251

    -MT47,549

  4. 9
    Debit card Mobile wallet

    You pay $7,000.99

    MT438,017

    -MT47,783

  5. 10
    Bank transfer Mobile wallet

    You pay $7,001.99

    MT438,017

    -MT47,783

  6. 11
    Credit card Mobile wallet

    You pay $7,210.00

    MT438,017

    -MT47,783

Things to consider before sending USD to Mozambique

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/MZN company

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 485,800 MZN, which is 8.16% 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 485,800 MZN, with the money arriving in minutes.

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 Mozambique?

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.

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 Mozambique 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/MZN 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.