Best companies for USD/XCD transfers
3 of 3 providers Last updated on 28 October 2026
Based on 7,000 USD transfer Best companies for USD/XCD transfers Sort Cheapest
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 2.6264 XCD +2.86% vs mid-market	Recipient gets $18,384.80 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in St. Kitts & Nevis with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 2.6264 XCD $18,384.80You pay$7,000.00
Promoted Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 2.6953 XCD +0.27% vs mid-market	Recipient gets $18,866.77 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in St. Kitts & Nevis with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 2.6953 XCD $18,866.77You pay$7,000.00
Run a live search Showing top United States to Saint Kitts and Nevis 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 XCD rates.
Run a live search These companies offer multi-currency accounts for spending XCD. We suggest doing a live search based on how much USD you're planning to spend in Saint Kitts and Nevis.
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: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 2.6953 XCD +0.27% vs mid-market	Recipient gets $18,866.77 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in St. Kitts & Nevis with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 2.6953 XCD $18,866.77You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $5.99 1 USD = 2.6882 XCD +0.53% vs mid-market	Recipient gets $18,817.40 Minutes - 24 hours
2 reviews
Ways to receive money in St. Kitts & Nevis with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $5.991 USD = 2.6882 XCD $18,817.40You pay$7,005.99

$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 2.6882 XCD +0.53% vs mid-market	Recipient gets $18,817.40 Minutes - 24 hours
2 reviews
Ways to receive money in St. Kitts & Nevis with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 2.6882 XCD $18,817.40You pay$7,060.79
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $75.99 1 USD = 2.6882 XCD +0.53% vs mid-market	Recipient gets $18,817.40 Minutes - 24 hours
2 reviews
Ways to receive money in St. Kitts & Nevis with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $75.991 USD = 2.6882 XCD $18,817.40You pay$7,075.99
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $179.99 1 USD = 2.6882 XCD +0.53% vs mid-market	Recipient gets $18,817.40 Minutes - 24 hours
2 reviews
Ways to receive money in St. Kitts & Nevis with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 2.6882 XCD $18,817.40You pay$7,179.99
Xe Pay via Bank transfer	Fee $0.00 1 USD = 2.6264 XCD +2.86% vs mid-market	Recipient gets $18,384.80 Minutes - 24 hours
4 reviews FastestRecommended Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in St. Kitts & Nevis with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 2.6264 XCD $18,384.80You pay$7,000.00
Xe Pay via Debit card	Fee $35.00 1 USD = 2.6264 XCD +2.86% vs mid-market	Recipient gets $18,292.88 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in St. Kitts & Nevis with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 2.6264 XCD $18,292.88You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 2.6264 XCD +2.86% vs mid-market	Recipient gets $17,833.26 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in St. Kitts & Nevis with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 2.6264 XCD $17,833.26You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 2.7026 XCD Updates every 60 minutes.

Why compare

USD/XCD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Saint Kitts and Nevis

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 Saint Kitts and Nevis.

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

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 Saint Kitts and Nevis, 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).

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 Saint Kitts and Nevis?

How much USD you send to Saint Kitts and Nevis 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.


$500	-0.39%	$0.00	$1,356.60with debit card to bank deposit	+$31.62
$2,000	0.44%	$0.00	$5,381.40with debit card to bank deposit	+$83.62
$5,000	0.53%	$5.99	$13,441.00with bank transfer to cash pickup	+$146.24
$7,000This page	0.27%	$0.00	$18,866.77with bank transfer to bank deposit	+$285.86
$10,000	0.27%	$0.00	$26,952.53with bank transfer to bank deposit	+$408.37
$50,000	0.25%	$0.00	$134,789.68with bank transfer to bank deposit	+$2,065.49
$100,000	0.20%	$0.00	$269,714.49with bank transfer to bank deposit	+$4,249.23
$250,000	0.20%	$0.00	$674,286.22with bank transfer to bank deposit	+$10,623.07

Mid-market rate: 1 USD = 2.7026 XCD

USD/XCD Exchange Rate History

Is today a good time to send money from US to Saint Kitts and Nevis?

The cheapest way to send USD to XCD 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 Saint Kitts and Nevis.

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/XCD 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 XCD 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 XCD on every transfer from US.

Right now, Regency FX pays 18,866.77 XCD on 7,000 USD, which is 51.08 XCD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 18,866.78 XCD.

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 Saint Kitts and Nevis.

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

Regency FXAppeared in 117 comparisons
Cheapest every time
MoneyGramAppeared in 204 comparisons
Cheapest in 27% of them
XeAppeared in 142 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 Regency FX is the cheapest and gets you the most XCD, 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 Saint Kitts and Nevis.

MoneyGram (today's second cheapest) was the cheapest in only 27% of its comparisons, so it's rarely the cheapest option for transfers to Saint Kitts and Nevis.

Ways to send money from the US to Saint Kitts and Nevis

There are 3 companies available for sending money from the US to Saint Kitts and Nevis, across broker, online, app, 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.

MoneyGram charges $5.99 on a $7,000 transfer with 0.53% markup, saves your recipient's details for next time, and XCD arrives in minutes - 24 hours.

Over the past month, MoneyGram 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 18,817.4 XCD 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 Saint Kitts and Nevis.

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

On a $7,000 transfer, you will get 18,817.4 XCD after a $5.99 fee and 0.53% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 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 Saint Kitts and Nevis (e.g. a property purchase, tuition, or moving to Saint Kitts and Nevis), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/XCD 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 XCD in Saint Kitts and Nevis

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 18,866.77 XCD.

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 Saint Kitts and Nevis.

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 18,817.4 XCD 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 Saint Kitts and Nevis.

Your recipient in Saint Kitts and Nevis can collect XCD through bank deposit and cash pickup.

They can collect cash in Saint Kitts and Nevis

Your recipient can collect XCD from a participating MoneyGram location in Saint Kitts and Nevis.

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

EC$18,867

Cheapest
2

Bank transfer Cash pickup

You pay $7,005.99

EC$18,817

-EC$49
3

Cash deposit Cash pickup

You pay $7,060.79

EC$18,817

-EC$49
4

Debit card Cash pickup

You pay $7,075.99

EC$18,817

-EC$49
5

Credit card Cash pickup

You pay $7,179.99

EC$18,817

-EC$49

Show moreShow less

6

Debit card Bank deposit

You pay $7,000.00

EC$18,293

-EC$574
7

Credit card Bank deposit

You pay $7,000.00

EC$17,833

-EC$1,034

Things to consider before sending USD to Saint Kitts and Nevis

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/XCD company

Cheapest way to send money to Saint Kitts and Nevis

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 18,866.77 XCD, which is 0.26% more than the next best option.

Fastest way to send money to Saint Kitts and Nevis

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 18,866.77 XCD, with the money arriving in minutes - 24 hours.

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 Saint Kitts and Nevis?

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 Saint Kitts and Nevis.

While Regency FX may not always be the cheapest or fastest way to send XCD, 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 Saint Kitts and Nevis 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/XCD 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.

Related transfer routes

Send money from United States

Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.7026	–	$18,917.85
Regency FX Cheapest	2.6953	$0.00	$18,866.77	−$51.08
MoneyGram	2.6882	$5.99	$18,817.40	−$100.45
Xe No quote collected this day	–	–	–	–

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.7026	–	$18,917.85
Regency FX Cheapest	2.6953	$0.00	$18,866.77	−$51.08
Xe	2.6085	$0.00	$18,259.50	−$658.35
MoneyGram No quote collected this day	–	–	–	–

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.7026	–	$18,917.86
Regency FX Cheapest	2.6953	$0.00	$18,866.78	−$51.08
MoneyGram	2.6882	$5.99	$18,817.40	−$100.46
Xe	2.6264	$0.00	$18,384.80	−$533.06

Compare the best ways to send money from United States to Saint Kitts and Nevis

Best companies for USD/XCD transfers