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

We compared 5 companies sending money from the United States to Nepal. Regency FX is the best and cheapest, while TapTap Send is the fastest.

Sending $7,000 with Regency FX gets your recipient 1,063,667.13 NPR at 151.9524 NPR per USD.

Best companies for USD/NPR transfers

5 of 5 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/NPR transfers

Sort Cheapest
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 150.5691 NPR +1.18% vs mid-market Recipient gets Rs 1,053,983.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 150.5691 NPR
Rs 1,053,983.70You pay$7,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 151.9524 NPR +0.27% vs mid-market Recipient gets Rs 1,063,667.13 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 151.9524 NPR
Rs 1,063,667.13You pay$7,000.00

Run a live search

Showing top United States to Nepal deals for 7,000 USD. Do a live search with your exact amount for today's best rates.
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 151.9524 NPR +0.27% vs mid-market Recipient gets Rs 1,063,667.13 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 151.9524 NPR
Rs 1,063,667.13You pay$7,000.00

TapTap Send

Pay via Debit card
Fee $0.00 1 USD = 151.0000 NPR +0.90% vs mid-market Recipient gets Rs 1,057,000.00 Minutes
Fastest
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 USD = 151.0000 NPR
Rs 1,057,000.00You pay$7,000.00
Cash pickupMinutesAvailable via:City Express Cash Pickup
Free1 USD = 151.0000 NPR
Rs 1,057,000.00You pay$7,000.00
Mobile walletMinutesAvailable via:IME Pay, Khalti by IME, PrabhuPAY, eSewa
Free1 USD = 151.0000 NPR
Rs 1,057,000.00You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $5.99 1 USD = 150.9707 NPR +0.92% vs mid-market Recipient gets Rs 1,056,794.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$5.991 USD = 150.9707 NPR
Rs 1,056,794.90You pay$7,005.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 USD = 150.9706 NPR
Rs 1,056,794.20You pay$7,000.00
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$1.991 USD = 150.9673 NPR
Rs 1,056,771.10You pay$7,001.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $1.99 1 USD = 150.9213 NPR +0.95% vs mid-market Recipient gets Rs 1,056,449.10 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 150.9213 NPR
Rs 1,056,449.10You pay$7,001.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$0.991 USD = 150.8019 NPR
Rs 1,055,613.30You pay$7,000.99
Cash pickupMinutes - 24 hours
$75.991 USD = 150.0926 NPR
Rs 1,050,648.20You pay$7,075.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $177.99 1 USD = 150.9213 NPR +0.95% vs mid-market Recipient gets Rs 1,056,449.10 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$177.991 USD = 150.9213 NPR
Rs 1,056,449.10You pay$7,177.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$210.001 USD = 150.8019 NPR
Rs 1,055,613.30You pay$7,210.00
Cash pickupMinutes - 24 hours
$179.991 USD = 150.0926 NPR
Rs 1,050,648.20You pay$7,179.99

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 150.5691 NPR +1.18% vs mid-market Recipient gets Rs 1,053,983.70 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 150.5691 NPR
Rs 1,053,983.70You pay$7,000.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee $0.99 1 USD = 150.4477 NPR +1.27% vs mid-market Recipient gets Rs 1,052,984.96 Minutes - 2 days
Recommended
Receive to bank account or cash pickup

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
$0.991 USD = 150.4477 NPR
Rs 1,052,984.96You pay$7,000.00
Mobile moneyMinutes - 2 days
$0.991 USD = 150.1895 NPR
Rs 1,051,178.09You pay$7,000.00
Cash pickupMinutes - 2 days
$2.991 USD = 149.1265 NPR
Rs 1,043,439.75You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 150.3110 NPR +1.36% vs mid-market Recipient gets Rs 1,052,177.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$60.791 USD = 150.3110 NPR
Rs 1,052,177.00You pay$7,060.79

Xe

Pay via Debit card
Fee $35.00 1 USD = 150.5691 NPR +1.18% vs mid-market Recipient gets Rs 1,048,713.78 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 150.5691 NPR
Rs 1,048,713.78You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 150.5691 NPR +1.18% vs mid-market Recipient gets Rs 1,022,364.19 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 150.5691 NPR
Rs 1,022,364.19You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 152.3638 NPR Updates every 60 minutes.

How to send money from US to Nepal

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 Nepal.

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 Nepal, 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 Nepal?

How much USD you send to Nepal 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
$5000.17%$0.00Rs 76,050.00with debit card to bank deposit+Rs 2,023.00
$2,0000.27%$0.00Rs 303,900.00with remitly wallet to bank deposit+Rs 5,291.54
$5,0000.45%$0.00Rs 758,400.00with remitly wallet to bank deposit+Rs 6,298.29
$7,000This page0.27%$0.00Rs 1,063,667.13with bank transfer to bank deposit+Rs 11,608.74
$10,0000.27%$0.00Rs 1,519,524.47with bank transfer to bank deposit+Rs 16,577.54
$50,0000.25%$0.00Rs 7,599,145.97with bank transfer to bank deposit+Rs 85,009.30
$100,0000.20%$0.00Rs 15,205,910.13with bank transfer to bank deposit+Rs 176,790.32
$250,0000.20%$0.00Rs 38,014,775.34with bank transfer to bank deposit+Rs 441,975.82

Mid-market rate: 1 USD = 152.3638 NPR

USD/NPR Exchange Rate History

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

The cheapest way to send USD to NPR 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 Nepal.

NPR received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rateRs 1,066,546.80 Regency FX Rs 1,063,667.13Regency FXRs 1,063,667.13TapTap SendRs 1,057,000.00MoneyGramRs 1,056,794.90

1.05M
1.06M
1.07M
1.08M
1.09M
At the mid-market rateWith the cheapest optionRegency FXTapTap SendMoneyGram
Exchange rateFeeRecipient getsDifference
Mid-market rate 153.5862 – Rs 1,075,103.38
Regency FX Cheapest 153.1715 $0.00 Rs 1,072,200.60 −Rs 2,902.78
MoneyGram 152.7887 $0.00 Rs 1,069,520.90 −Rs 5,582.48
TapTap Send 151.2500 $0.00 Rs 1,058,750.00 −Rs 16,353.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 153.6290 – Rs 1,075,403.03
Regency FX Cheapest 153.2142 $0.00 Rs 1,072,499.44 −Rs 2,903.59
MoneyGram 152.3707 $0.00 Rs 1,066,594.90 −Rs 8,808.13
TapTap Send 152.0000 $0.00 Rs 1,064,000.00 −Rs 11,403.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 153.7177 – Rs 1,076,024.17
Regency FX Cheapest 153.3027 $0.00 Rs 1,073,118.91 −Rs 2,905.26
MoneyGram 152.3694 $0.00 Rs 1,066,585.80 −Rs 9,438.37
TapTap Send 152.0000 $0.00 Rs 1,064,000.00 −Rs 12,024.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 155.0167 – Rs 1,085,117.14
Regency FX Cheapest 154.5982 $0.00 Rs 1,082,187.32 −Rs 2,929.82
MoneyGram 153.5792 $0.00 Rs 1,075,054.40 −Rs 10,062.74
TapTap Send 152.1500 $0.00 Rs 1,065,050.00 −Rs 20,067.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 154.9767 – Rs 1,084,837.10
Regency FX Cheapest 154.5583 $0.00 Rs 1,081,908.04 −Rs 2,929.06
MoneyGram 153.0300 $0.00 Rs 1,071,210.00 −Rs 13,627.10
TapTap Send 152.1500 $0.00 Rs 1,065,050.00 −Rs 19,787.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 154.6712 – Rs 1,082,698.17
Regency FX Cheapest 154.2536 $0.00 Rs 1,079,774.88 −Rs 2,923.29
MoneyGram 153.0300 $0.00 Rs 1,071,210.00 −Rs 11,488.17
TapTap Send 152.1500 $0.00 Rs 1,065,050.00 −Rs 17,648.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 154.8961 – Rs 1,084,272.64
Regency FX Cheapest 154.4779 $0.00 Rs 1,081,345.11 −Rs 2,927.53
MoneyGram 152.9206 $0.00 Rs 1,070,444.20 −Rs 13,828.44
TapTap Send 152.7500 $0.00 Rs 1,069,250.00 −Rs 15,022.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 153.6725 – Rs 1,075,707.34
Regency FX Cheapest 153.2576 $0.00 Rs 1,072,802.93 −Rs 2,904.41
MoneyGram 153.1890 $0.00 Rs 1,072,323.00 −Rs 3,384.34
TapTap Send 152.7500 $0.00 Rs 1,069,250.00 −Rs 6,457.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 154.1164 – Rs 1,078,814.93
Regency FX Cheapest 153.7003 $0.00 Rs 1,075,902.13 −Rs 2,912.80
MoneyGram 153.1302 $0.00 Rs 1,071,911.40 −Rs 6,903.53
TapTap Send 153.0000 $0.00 Rs 1,071,000.00 −Rs 7,814.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 154.6299 – Rs 1,082,409.46
Regency FX Cheapest 154.2124 $0.00 Rs 1,079,486.96 −Rs 2,922.50
MoneyGram 153.9698 $5.99 Rs 1,077,788.60 −Rs 4,620.86
TapTap Send 153.0000 $0.00 Rs 1,071,000.00 −Rs 11,409.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 154.2899 – Rs 1,080,029.41
Regency FX Cheapest 153.8733 $0.00 Rs 1,077,113.33 −Rs 2,916.08
MoneyGram 153.7494 $1.99 Rs 1,076,245.80 −Rs 3,783.61
TapTap Send 153.0000 $0.00 Rs 1,071,000.00 −Rs 9,029.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 154.6875 – Rs 1,082,812.40
Regency FX Cheapest 154.2698 $0.00 Rs 1,079,888.81 −Rs 2,923.59
MoneyGram 153.6903 $5.99 Rs 1,075,832.10 −Rs 6,980.30
TapTap Send 153.0000 $0.00 Rs 1,071,000.00 −Rs 11,812.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 154.6875 – Rs 1,082,812.40
Regency FX Cheapest 154.2698 $0.00 Rs 1,079,888.81 −Rs 2,923.59
MoneyGram 153.6903 $5.99 Rs 1,075,832.10 −Rs 6,980.30
TapTap Send 153.0000 $0.00 Rs 1,071,000.00 −Rs 11,812.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 154.5792 – Rs 1,082,054.51
Regency FX Cheapest 154.1619 $0.00 Rs 1,079,132.96 −Rs 2,921.55
TapTap Send 153.0000 $0.00 Rs 1,071,000.00 −Rs 11,054.51
MoneyGram 152.3363 $5.99 Rs 1,066,354.10 −Rs 15,700.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 153.4358 – Rs 1,074,050.71
Regency FX Cheapest 153.0215 $0.00 Rs 1,071,150.78 −Rs 2,899.93
MoneyGram 152.0300 $1.99 Rs 1,064,210.00 −Rs 9,840.71
TapTap Send 152.0000 $0.00 Rs 1,064,000.00 −Rs 10,050.71
Exchange rateFeeRecipient getsDifference
Mid-market rate 152.0853 – Rs 1,064,596.93
Regency FX Cheapest 151.6746 $0.00 Rs 1,061,722.52 −Rs 2,874.41
MoneyGram 151.0916 $0.00 Rs 1,057,641.20 −Rs 6,955.73
TapTap Send 151.0000 $0.00 Rs 1,057,000.00 −Rs 7,596.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 152.2298 – Rs 1,065,608.66
Regency FX Cheapest 151.8188 $0.00 Rs 1,062,731.51 −Rs 2,877.15
MoneyGram 151.0374 $1.99 Rs 1,057,261.80 −Rs 8,346.86
TapTap Send 151.0000 $0.00 Rs 1,057,000.00 −Rs 8,608.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 152.0221 – Rs 1,064,154.58
Regency FX Cheapest 151.6116 $0.00 Rs 1,061,281.36 −Rs 2,873.22
TapTap Send 151.0000 $0.00 Rs 1,057,000.00 −Rs 7,154.58
MoneyGram 150.7413 $0.00 Rs 1,055,189.10 −Rs 8,965.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 152.0811 – Rs 1,064,567.90
Regency FX Cheapest 151.6705 $0.00 Rs 1,061,693.56 −Rs 2,874.34
TapTap Send 151.0000 $0.00 Rs 1,057,000.00 −Rs 7,567.90
MoneyGram 150.9999 $1.99 Rs 1,056,999.30 −Rs 7,568.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 152.0811 – Rs 1,064,567.90
Regency FX Cheapest 151.6705 $0.00 Rs 1,061,693.56 −Rs 2,874.34
TapTap Send 151.0000 $0.00 Rs 1,057,000.00 −Rs 7,567.90
MoneyGram 150.9999 $1.99 Rs 1,056,999.30 −Rs 7,568.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 152.3596 – Rs 1,066,517.54
Regency FX Cheapest 151.9483 $0.00 Rs 1,063,637.95 −Rs 2,879.59
MoneyGram 150.9999 $1.99 Rs 1,056,999.30 −Rs 9,518.24
TapTap Send 150.3500 $0.00 Rs 1,052,450.00 −Rs 14,067.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 151.8238 – Rs 1,062,766.71
Regency FX Cheapest 151.4139 $0.00 Rs 1,059,897.23 −Rs 2,869.48
MoneyGram 150.8300 $5.99 Rs 1,055,810.00 −Rs 6,956.71
TapTap Send 150.3500 $0.00 Rs 1,052,450.00 −Rs 10,316.71
Exchange rateFeeRecipient getsDifference
Mid-market rate 151.6528 – Rs 1,061,569.36
Regency FX Cheapest 151.2433 $0.00 Rs 1,058,703.12 −Rs 2,866.24
MoneyGram 150.8300 $5.99 Rs 1,055,810.00 −Rs 5,759.36
TapTap Send 150.3500 $0.00 Rs 1,052,450.00 −Rs 9,119.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 151.2381 – Rs 1,058,666.69
Regency FX Cheapest 150.8298 $0.00 Rs 1,055,808.29 −Rs 2,858.40
TapTap Send 150.3500 $0.00 Rs 1,052,450.00 −Rs 6,216.69
MoneyGram 150.3490 $1.99 Rs 1,052,443.00 −Rs 6,223.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 151.5200 – Rs 1,060,639.90
Regency FX Cheapest 151.1109 $0.00 Rs 1,057,776.17 −Rs 2,863.73
MoneyGram 150.5701 $0.00 Rs 1,053,990.70 −Rs 6,649.20
TapTap Send 150.3500 $0.00 Rs 1,052,450.00 −Rs 8,189.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 151.7097 – Rs 1,061,968.14
Regency FX Cheapest 151.3001 $0.00 Rs 1,059,100.82 −Rs 2,867.32
MoneyGram 150.7698 $1.99 Rs 1,055,388.60 −Rs 6,579.54
TapTap Send 150.3500 $0.00 Rs 1,052,450.00 −Rs 9,518.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 151.7097 – Rs 1,061,968.14
Regency FX Cheapest 151.3001 $0.00 Rs 1,059,100.82 −Rs 2,867.32
MoneyGram 150.7698 $1.99 Rs 1,055,388.60 −Rs 6,579.54
TapTap Send 150.3500 $0.00 Rs 1,052,450.00 −Rs 9,518.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 151.4880 – Rs 1,060,415.87
Regency FX Cheapest 151.0790 $0.00 Rs 1,057,552.74 −Rs 2,863.13
MoneyGram 150.9989 $1.99 Rs 1,056,992.30 −Rs 3,423.57
TapTap Send 150.3500 $0.00 Rs 1,052,450.00 −Rs 7,965.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 152.5446 – Rs 1,067,812.01
Regency FX Cheapest 152.1327 $0.00 Rs 1,064,928.92 −Rs 2,883.09
MoneyGram 151.3618 $1.99 Rs 1,059,532.60 −Rs 8,279.41
TapTap Send 151.0000 $0.00 Rs 1,057,000.00 −Rs 10,812.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 152.3638 – Rs 1,066,546.80
Regency FX Cheapest 151.9524 $0.00 Rs 1,063,667.13 −Rs 2,879.67
TapTap Send 151.0000 $0.00 Rs 1,057,000.00 −Rs 9,546.80
MoneyGram 150.9707 $5.99 Rs 1,056,794.90 −Rs 9,751.90

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/NPR 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 NPR 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 NPR on every transfer from US.

Right now, Regency FX pays 1,063,667.13 NPR on 7,000 USD, which is 2,879.67 NPR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,082,187.32 NPR.

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 Nepal.

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. TapTap SendAppeared in 207 comparisons

    Cheapest in 1% of them

  3. MoneyGramAppeared in 205 comparisons

    Cheapest in 5% 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 NPR, 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 Nepal.

TapTap Send (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers to Nepal.

Ways to send money from the US to Nepal

There are 5 companies available for sending money from the US to Nepal, across app, broker, online, 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 0.9% markup, saves your recipient's details for next time, and NPR arrives in minutes.

Over the past month, TapTap Send was the cheapest app on 20% 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 1,056,794.9 NPR 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 Nepal.

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

On a $7,000 transfer, you will get 1,056,794.9 NPR after a $5.99 fee and 0.92% markup.

In our comparisons over the past month, it was the cheapest online service on 30 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 Nepal (e.g. a property purchase, tuition, or moving to Nepal), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/NPR 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.

Ways to fund USD and receive NPR in Nepal

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 1,063,667.13 NPR.

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 Nepal.

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 1,056,794.9 NPR 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 Nepal.

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

They can collect cash in Nepal

Your recipient can collect NPR from a participating MoneyGram location in Nepal.

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

    NRs1,063,667

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay $7,000.00

    NRs1,057,000

    -NRs6,667

  3. 3
    Debit card Cash pickup

    You pay $7,000.00

    NRs1,057,000

    -NRs6,667

  4. 4
    Debit card Mobile wallet

    You pay $7,000.00

    NRs1,057,000

    -NRs6,667

  5. 5
    Bank transfer Cash pickup

    You pay $7,005.99

    NRs1,056,795

    -NRs6,872

Show moreShow less
  1. 6
    Bank transfer Mobile wallet

    You pay $7,001.99

    NRs1,056,771

    -NRs6,896

  2. 7
    Credit card Bank deposit

    You pay $7,177.99

    NRs1,056,449

    -NRs7,218

  3. 8
    Credit card Mobile wallet

    You pay $7,210.00

    NRs1,055,613

    -NRs8,054

  4. 9
    Cash deposit Cash pickup

    You pay $7,060.79

    NRs1,052,177

    -NRs11,490

  5. 10
    Debit card Mobile money

    You pay $7,000.00

    NRs1,051,178

    -NRs12,489

  6. 11
    Credit card Cash pickup

    You pay $7,179.99

    NRs1,050,648

    -NRs13,019

Things to consider before sending USD to Nepal

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/NPR company

Cheapest way to send money to Nepal

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 1,063,667.13 NPR, which is 0.63% more than the next best option.

Fastest way to send money to Nepal

The fastest option is TapTap Send. Pay by debit card and choose bank deposit for the payout. Your recipient gets 1,057,000 NPR, 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 Nepal?

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 Nepal.

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