We compared 8 companies sending money from the United States to Romania. Key Currency is the best and cheapest, while Revolut is the fastest.
Sending $7,000 with Key Currency gets your recipient 31,534.35 RON at 4.5049 RON per USD.
| 8 of 8 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze USD/RON exchange rates from our comparisons. | |||
| Based on 7,000 USD transfer Best companies for USD/RON transfersAll money transfer offers for USD/RON transfers, sorted by most RON received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee $31.14 1 USD = 4.5163 RON 0.00% vs mid-market | Recipient gets lei 31,473.11 Within a week | |
Ways to receive money in Romania with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $31.141 USD = 4.5163 RON lei 31,473.11You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 4.4620 RON +1.21% vs mid-market | Recipient gets lei 31,234.00 Minutes - 24 hours | |
Ways to receive money in Romania with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 4.4620 RON lei 31,234.00You pay$7,000.00 | |||
Run a live search Showing top United States to Romania 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 RON rates. | |||
Run a live search These companies offer multi-currency accounts for spending RON. We suggest doing a live search based on how much USD you're planning to spend in Romania. | |||
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. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee $0.00 1 USD = 4.5049 RON +0.25% vs mid-market | Recipient gets lei 31,534.35 Minutes - 3 days | |
Ways to receive money in Romania with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 4.5049 RON lei 31,534.35You pay$7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 4.5040 RON +0.27% vs mid-market | Recipient gets lei 31,528.02 Minutes - 24 hours | |
Ways to receive money in Romania with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 4.5040 RON lei 31,528.02You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $31.14 1 USD = 4.5163 RON 0.00% vs mid-market | Recipient gets lei 31,473.11 Within a week | |
Ways to receive money in Romania with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $31.141 USD = 4.5163 RON lei 31,473.11You pay$7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee $0.00 1 USD = 4.4840 RON +0.72% vs mid-market | Recipient gets lei 31,388.00 Minutes - 24 hours | |
Ways to receive money in Romania with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 4.4840 RON lei 31,388.00You pay$7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $40.50 1 USD = 4.5064 RON +0.22% vs mid-market | Recipient gets lei 31,362.49 Within minutes | |
Ways to receive money in Romania with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 4.5064 RON lei 31,362.49You pay$7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| $0 fee on first online transfers  MoneyGram Pay via Bank transfer | Fee $1.99 1 USD = 4.4719 RON +0.99% vs mid-market | Recipient gets lei 31,303.30 Minutes - 24 hours | |
Ways to receive money in Romania with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 4.4719 RON lei 31,303.30You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 4.4719 RON lei 31,303.30You pay$7,005.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 4.4557 RON lei 31,189.90You pay$7,074.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $1.99 1 USD = 4.4719 RON +0.99% vs mid-market | Recipient gets lei 31,303.30 Minutes - 24 hours | |
Ways to receive money in Romania with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 4.4719 RON lei 31,303.30You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 4.4719 RON lei 31,303.30You pay$7,075.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $2.491 USD = 4.4557 RON lei 31,189.90You pay$7,002.49 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $177.99 1 USD = 4.4719 RON +0.99% vs mid-market | Recipient gets lei 31,303.30 Minutes - 24 hours | |
Ways to receive money in Romania with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 4.4719 RON lei 31,303.30You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 4.4719 RON lei 31,303.30You pay$7,179.99 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 4.4620 RON +1.21% vs mid-market | Recipient gets lei 31,234.00 Minutes - 24 hours | |
Ways to receive money in Romania with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 4.4620 RON lei 31,234.00You pay$7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee $0.00 1 USD = 4.4530 RON +1.40% vs mid-market | Recipient gets lei 31,170.79 Minutes - 2 days | |
Ways to receive money in Romania with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 4.4530 RON lei 31,170.79You pay$7,000.00 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 4.4620 RON +1.21% vs mid-market | Recipient gets lei 31,077.83 Minutes - 24 hours | |
Ways to receive money in Romania with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 4.4620 RON lei 31,077.83You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 4.4373 RON +1.76% vs mid-market | Recipient gets lei 31,061.10 Minutes - 24 hours | |
Ways to receive money in Romania with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 4.4373 RON lei 31,061.10You pay$7,060.79 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 4.4620 RON +1.21% vs mid-market | Recipient gets lei 30,296.98 Minutes - 24 hours | |
Ways to receive money in Romania with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 4.4620 RON lei 30,296.98You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 4.516197 RON Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Key Currency is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with Wise.
For large transfers using a broker like Key Currency 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 Romania, including bank transfer, debit card, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
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.
There are 8 companies available for sending money from the US to Romania, across broker, online, app, 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.
Wise charges $31.14 on a $7,000 transfer with 0% markup, saves your recipient's details for next time, and RON arrives in within a week.
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 31,303.3 RON 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 Romania.
Of all online companies listed here, Wise gets you the most RON per USD.
On a $7,000 transfer, you will get 31,473.11 RON after a $31.14 fee and 0% 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 Romania (e.g. a property purchase, tuition, or moving to Romania), a broker like Key Currency charges no fee, gives you a dedicated account manager, and adds 0.25% markup on USD/RON 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 RON.
This is useful for traveling to Romania, building up RON balance, or receiving payments in RON.
Wise converts $7,000 at 0% markup plus small fee and holds the RON until you spend it.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 31,534.35 RON.
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 the it may take some time for it to clear before a money transfer company can send the money to Romania.
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 31,303.3 RON 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 Romania.
Your recipient in Romania can collect RON through bank deposit, cash pickup, and card deposit.
They can collect cash in Romania
Your recipient can collect RON from a participating MoneyGram location in Romania.
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
lei31,534
Cheapest
You pay $7,005.99
lei31,303
-lei231
You pay $7,001.99
lei31,303
-lei231
You pay $7,075.99
lei31,303
-lei231
You pay $7,177.99
lei31,303
-lei231
You pay $7,179.99
lei31,303
-lei231
You pay $7,074.99
lei31,190
-lei344
You pay $7,002.49
lei31,190
-lei344
You pay $7,060.79
lei31,061
-lei473
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 Romania
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 31,534.35 RON, which is 0.02% more than the next best option.
Fastest way to send money to Romania
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 31,362.49 RON, with the money arriving in within 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, Wise is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Romania.
While Wise may not always be the cheapest or fastest way to send RON, 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 RON your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 4.520203 RON
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Romania 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 Romania.
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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