We compared 5 companies sending money from the United States to Samoa. Regency FX is the best and cheapest, while Regency FX is the fastest.
Sending $7,000 with Regency FX gets your recipient 19,168.13 WST at 2.7383 WST per USD.
| 5 of 5 providers Last updated on 28 September 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/WST transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $268.54 1 USD = 2.7488 WST -0.11% vs mid-market | Recipient gets WST 18,503.17 Within a week | |
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $268.541 USD = 2.7488 WST WST 18,503.17You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 2.6496 WST +3.56% vs mid-market | Recipient gets WST 18,547.20 Minutes - 24 hours | |
Ways to receive money in Samoa with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 2.6496 WST WST 18,547.20You pay$7,000.00 | |||
Run a live search Showing top United States to Samoa 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 WST rates. | |||
Run a live search These companies offer multi-currency accounts for spending WST. We suggest doing a live search based on how much USD you're planning to spend in Samoa. | |||
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 = 2.7383 WST +0.27% vs mid-market | Recipient gets WST 19,168.13 Minutes - 24 hours | |
Ways to receive money in Samoa with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 2.7383 WST WST 19,168.13You pay$7,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 USD = 2.7320 WST +0.50% vs mid-market | Recipient gets WST 19,123.93 Minutes - 24 hours | |
Ways to receive money in Samoa with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 2.7320 WST WST 19,123.93You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Bank transfer | Fee $1.99 1 USD = 2.7167 WST +1.06% vs mid-market | Recipient gets WST 19,016.90 Minutes - 24 hours | |
Ways to receive money in Samoa with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $1.991 USD = 2.7167 WST WST 19,016.90You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 2.7167 WST WST 19,016.90You pay$7,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $75.99 1 USD = 2.7167 WST +1.06% vs mid-market | Recipient gets WST 19,016.90 Minutes - 24 hours | |
Ways to receive money in Samoa with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $75.991 USD = 2.7167 WST WST 19,016.90You pay$7,075.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $1.491 USD = 2.6972 WST WST 18,880.40You pay$7,001.49 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $179.99 1 USD = 2.7167 WST +1.06% vs mid-market | Recipient gets WST 19,016.90 Minutes - 24 hours | |
Ways to receive money in Samoa with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 2.7167 WST WST 19,016.90You pay$7,179.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $210.001 USD = 2.6972 WST WST 18,880.40You pay$7,210.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 2.6895 WST +2.07% vs mid-market | Recipient gets WST 18,826.50 Minutes - 24 hours | |
Ways to receive money in Samoa with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 2.6895 WST WST 18,826.50You pay$7,060.79 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 2.6496 WST +3.56% vs mid-market | Recipient gets WST 18,547.20 Minutes - 24 hours | |
Ways to receive money in Samoa with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 2.6496 WST WST 18,547.20You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $268.54 1 USD = 2.7488 WST -0.11% vs mid-market | Recipient gets WST 18,503.17 Within a week | |
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $268.541 USD = 2.7488 WST WST 18,503.17You pay$7,000.00 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 2.6496 WST +3.56% vs mid-market | Recipient gets WST 18,454.46 Minutes - 24 hours | |
Ways to receive money in Samoa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 2.6496 WST WST 18,454.46You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 2.6496 WST +3.56% vs mid-market | Recipient gets WST 17,990.78 Minutes - 24 hours | |
Ways to receive money in Samoa with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 2.6496 WST WST 17,990.78You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 2.7457 WST Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Regency FX is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with MoneyGram.
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 Samoa, 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.
How much USD you send to Samoa 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 | 0.65% | $0.00 | WST 1,363.94with bank transfer to bank deposit | +WST 101.94 | |
| $2,000 | 0.65% | $0.00 | WST 5,455.74with bank transfer to bank deposit | +WST 247.62 | |
| $5,000 | 0.50% | $0.00 | WST 13,659.95with bank transfer to bank deposit | +WST 288.32 | |
| $7,000This page | 0.27% | $0.00 | WST 19,168.13with bank transfer to bank deposit | +WST 401.64 | |
| $10,000 | 0.27% | $0.00 | WST 27,383.05with bank transfer to bank deposit | +WST 572.26 |
Mid-market rate: 1 USD = 2.7457 WST
There are 5 companies available for sending money from the US to Samoa, across broker, online, app, in person, multi-currency account, and global account, 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.
MoneyGram charges $1.99 on a $7,000 transfer with 1.06% markup, saves your recipient's details for next time, and WST arrives in minutes - 24 hours.
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 19,016.9 WST 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 Samoa.
Of all online companies listed here, MoneyGram gets you the most WST per USD.
On a $7,000 transfer, you will get 19,016.9 WST after a $1.99 fee and 1.06% 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 Samoa (e.g. a property purchase, tuition, or moving to Samoa), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/WST 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 WST.
This is useful for traveling to Samoa, building up WST balance, or receiving payments in WST.
Wise converts $7,000 at -0.11% markup plus small fee and holds the WST until you spend it.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 19,168.13 WST.
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 Samoa.
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 19,016.9 WST 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 Samoa.
Your recipient in Samoa can collect WST through bank deposit, cash pickup, and mobile wallet.
They can collect cash in Samoa
Your recipient can collect WST from a participating MoneyGram location in Samoa.
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
WS$19,168
Cheapest
You pay $7,001.99
WS$19,017
-WS$151
You pay $7,005.99
WS$19,017
-WS$151
You pay $7,075.99
WS$19,017
-WS$151
You pay $7,179.99
WS$19,017
-WS$151
You pay $7,001.49
WS$18,880
-WS$288
You pay $7,210.00
WS$18,880
-WS$288
You pay $7,060.79
WS$18,827
-WS$342
You pay $7,000.00
WS$18,454
-WS$714
You pay $7,000.00
WS$17,991
-WS$1,177
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 Samoa
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 19,168.13 WST, which is 0.23% more than the next best option.
Fastest way to send money to Samoa
The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 19,168.13 WST, with the money arriving in minutes - 24 hours.
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 Samoa.
While Wise may not always be the cheapest or fastest way to send WST, 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 WST your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 2.745718 WST
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Samoa 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 Samoa.
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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