Compare the best ways to send money from United States to Sierra Leone

We compared 4 companies sending money from the United States to Sierra Leone. TapTap Send is the best and cheapest, while TapTap Send is the fastest.

Sending $7,000 with TapTap Send gets your recipient 162,050 SLE at 23.1500 SLE per USD.

Best companies for USD/SLE transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/SLE transfers

Sort Cheapest
Promoted

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 22.8132 SLE +0.27% vs mid-market Recipient gets SLE 159,692.40 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 22.8132 SLE
SLE 159,692.40You pay$7,000.00

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Showing top United States to Sierra Leone 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 = 23.1500 SLE -1.20% vs mid-market Recipient gets SLE 162,050.00 Minutes
CheapestFastest
Receive to bank account

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

MethodFee & ratesRecipient gets
Cash pickupMinutes
Free1 USD = 23.1500 SLE
SLE 162,050.00You pay$7,000.00
Mobile moneyMinutesAvailable via:Afrimoney, Orange, QMoney
Free1 USD = 23.1500 SLE
SLE 162,050.00You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $1.99 1 USD = 22.8285 SLE +0.20% vs mid-market Recipient gets SLE 159,799.50 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$1.991 USD = 22.8285 SLE
SLE 159,799.50You pay$7,001.99
Cash pickupMinutes - 24 hours
$4.991 USD = 22.7769 SLE
SLE 159,438.30You pay$7,004.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $1.99 1 USD = 22.8285 SLE +0.20% vs mid-market Recipient gets SLE 159,799.50 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$1.991 USD = 22.8285 SLE
SLE 159,799.50You pay$7,001.99
Cash pickupMinutes - 24 hours
$11.991 USD = 22.6031 SLE
SLE 158,221.70You pay$7,011.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $210.00 1 USD = 22.8285 SLE +0.20% vs mid-market Recipient gets SLE 159,799.50 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$210.001 USD = 22.8285 SLE
SLE 159,799.50You pay$7,210.00
Cash pickupMinutes - 24 hours
$179.991 USD = 22.6031 SLE
SLE 158,221.70You pay$7,179.99
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 22.8132 SLE +0.27% vs mid-market Recipient gets SLE 159,692.40 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 22.8132 SLE
SLE 159,692.40You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $9.59 1 USD = 22.5272 SLE +1.53% vs mid-market Recipient gets SLE 157,690.40 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$9.591 USD = 22.5272 SLE
SLE 157,690.40You pay$7,009.59
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee $0.99 1 USD = 21.9653 SLE +4.06% vs mid-market Recipient gets SLE 153,735.21 Minutes - 2 days
Recommended
Receive to bank account or cash pickup

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 2 days
$0.991 USD = 21.9653 SLE
SLE 153,735.21You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 22.8750 SLE Updates every 60 minutes.

How to send money from US to Sierra Leone

Pick a company

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

TapTap Send was the cheapest on 6 of the 30 days it quoted $7,000 transfers to Sierra Leone.

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 Sierra Leone, 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 Sierra Leone?

How much USD you send to Sierra Leone 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 32% of the transfers from $5,000 it quoted, and in 24% of all the transfers it quoted.

Cheapest service
$500-4.55%$0.00SLE 11,970.00with bank transfer to bank deposit+SLE 589.63
$2,000-1.19%$0.00SLE 46,300.00with debit card to cash pickup+SLE 1,489.76
$5,000-1.20%$0.00SLE 115,750.00with debit card to cash pickup+SLE 2,228.19
$7,000This page-1.20%$0.00SLE 162,050.00with debit card to cash pickup+SLE 3,111.93
$10,000-1.20%$0.00SLE 231,500.00with debit card to cash pickup+SLE 4,467.84
$50,000-1.19%$0.00SLE 1,157,500.00with debit card to cash pickup+SLE 15,995.57
$100,000-1.20%$0.00SLE 2,315,000.00with debit card to cash pickup+SLE 31,801.63
$250,000-1.20%$0.00SLE 5,787,500.00with debit card to cash pickup+SLE 79,503.37

Mid-market rate: 1 USD = 22.8750 SLE

USD/SLE Exchange Rate History

Is today a good time to send money from US to Sierra Leone?

The cheapest way to send USD to SLE 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 Sierra Leone.

SLE received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rateSLE 160,124.73 TapTap Send SLE 162,050.00TapTap SendSLE 162,050.00MoneyGramSLE 159,799.50Regency FXSLE 159,692.40

155,000
160,000
165,000
170,000
175,000
At the mid-market rateWith the cheapest optionTapTap SendMoneyGramRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.5998 – SLE 172,198.29
Regency FX Cheapest 24.5333 $0.00 SLE 171,733.36 −SLE 464.93
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,128.29
MoneyGram 22.8018 $1.99 SLE 159,612.60 −SLE 12,585.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6499 – SLE 172,549.05
Regency FX Cheapest 24.5833 $0.00 SLE 172,083.17 −SLE 465.88
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,479.05
MoneyGram 22.8184 $1.99 SLE 159,728.80 −SLE 12,820.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.5982 – SLE 172,187.11
Regency FX Cheapest 24.5317 $0.00 SLE 171,722.20 −SLE 464.91
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,117.11
MoneyGram 22.9513 $1.99 SLE 160,659.10 −SLE 11,528.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6036 – SLE 172,225.35
Regency FX Cheapest 24.5372 $0.00 SLE 171,760.35 −SLE 465.00
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,155.35
MoneyGram 22.9315 $1.99 SLE 160,520.50 −SLE 11,704.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6037 – SLE 172,225.67
Regency FX Cheapest 24.5372 $0.00 SLE 171,760.66 −SLE 465.01
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,155.67
MoneyGram 22.9344 $1.99 SLE 160,540.80 −SLE 11,684.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6037 – SLE 172,225.67
Regency FX Cheapest 24.5372 $0.00 SLE 171,760.66 −SLE 465.01
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,155.67
MoneyGram 22.9344 $1.99 SLE 160,540.80 −SLE 11,684.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.5975 – SLE 172,182.35
Regency FX Cheapest 24.5311 $0.00 SLE 171,717.45 −SLE 464.90
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,112.35
MoneyGram 22.9344 $1.99 SLE 160,540.80 −SLE 11,641.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6495 – SLE 172,546.57
Regency FX Cheapest 24.5830 $0.00 SLE 172,080.69 −SLE 465.88
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,476.57
MoneyGram 22.9410 $1.99 SLE 160,587.00 −SLE 11,959.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6804 – SLE 172,762.56
Regency FX Cheapest 24.6137 $0.00 SLE 172,296.10 −SLE 466.45
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,692.55
MoneyGram 22.9194 $1.99 SLE 160,435.80 −SLE 12,326.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6701 – SLE 172,690.96
Regency FX Cheapest 24.6035 $0.00 SLE 172,224.69 −SLE 466.27
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,620.96
MoneyGram 22.9333 $1.99 SLE 160,533.10 −SLE 12,157.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6250 – SLE 172,374.84
Regency FX Cheapest 24.5585 $0.00 SLE 171,909.43 −SLE 465.41
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,304.84
MoneyGram 22.8196 $1.99 SLE 159,737.20 −SLE 12,637.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6704 – SLE 172,692.60
Regency FX Cheapest 24.6038 $0.00 SLE 172,226.33 −SLE 466.27
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,622.60
MoneyGram 22.8477 $1.99 SLE 159,933.90 −SLE 12,758.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6704 – SLE 172,692.60
Regency FX Cheapest 24.6038 $0.00 SLE 172,226.33 −SLE 466.27
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,622.60
MoneyGram 22.8477 $1.99 SLE 159,933.90 −SLE 12,758.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6696 – SLE 172,687.45
Regency FX Cheapest 24.6030 $0.00 SLE 172,221.20 −SLE 466.25
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,617.45
MoneyGram 22.8477 $1.99 SLE 159,933.90 −SLE 12,753.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6700 – SLE 172,690.25
Regency FX Cheapest 24.6034 $0.00 SLE 172,223.99 −SLE 466.26
TapTap Send 23.0100 $0.00 SLE 161,070.00 −SLE 11,620.25
MoneyGram 22.7948 $1.99 SLE 159,563.60 −SLE 13,126.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6697 – SLE 172,688.24
Regency FX Cheapest 24.6031 $0.00 SLE 172,221.98 −SLE 466.26
TapTap Send 23.1500 $0.00 SLE 162,050.00 −SLE 10,638.24
MoneyGram 22.8381 $1.99 SLE 159,866.70 −SLE 12,821.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6801 – SLE 172,760.40
Regency FX Cheapest 24.6134 $0.00 SLE 172,293.95 −SLE 466.45
TapTap Send 23.1500 $0.00 SLE 162,050.00 −SLE 10,710.40
MoneyGram 22.8581 $1.99 SLE 160,006.70 −SLE 12,753.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6799 – SLE 172,759.23
Regency FX Cheapest 24.6133 $0.00 SLE 172,292.78 −SLE 466.45
TapTap Send 23.1500 $0.00 SLE 162,050.00 −SLE 10,709.23
MoneyGram 22.8521 $1.99 SLE 159,964.70 −SLE 12,794.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6804 – SLE 172,762.60
Regency FX Cheapest 24.6137 $0.00 SLE 172,296.14 −SLE 466.46
TapTap Send 23.1500 $0.00 SLE 162,050.00 −SLE 10,712.60
MoneyGram 22.8521 $1.99 SLE 159,964.70 −SLE 12,797.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6804 – SLE 172,762.60
Regency FX Cheapest 24.6137 $0.00 SLE 172,296.14 −SLE 466.46
TapTap Send 23.1500 $0.00 SLE 162,050.00 −SLE 10,712.60
MoneyGram 22.8521 $1.99 SLE 159,964.70 −SLE 12,797.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6802 – SLE 172,761.14
Regency FX Cheapest 24.6135 $0.00 SLE 172,294.69 −SLE 466.45
TapTap Send 23.1500 $0.00 SLE 162,050.00 −SLE 10,711.14
MoneyGram 22.8521 $1.99 SLE 159,964.70 −SLE 12,796.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 24.6803 – SLE 172,762.32
Regency FX Cheapest 24.6137 $0.00 SLE 172,295.86 −SLE 466.46
TapTap Send 23.1500 $0.00 SLE 162,050.00 −SLE 10,712.32
MoneyGram 22.8558 $1.99 SLE 159,990.60 −SLE 12,771.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 23.9197 – SLE 167,438.02
Regency FX Cheapest 23.8551 $0.00 SLE 166,985.94 −SLE 452.08
TapTap Send 23.1500 $0.00 SLE 162,050.00 −SLE 5,388.02
MoneyGram 22.8387 $1.99 SLE 159,870.90 −SLE 7,567.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 23.9202 – SLE 167,441.11
Regency FX Cheapest 23.8556 $0.00 SLE 166,989.02 −SLE 452.09
TapTap Send 23.1500 $0.00 SLE 162,050.00 −SLE 5,391.11
MoneyGram 22.8166 $1.99 SLE 159,716.20 −SLE 7,724.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.9496 – SLE 160,647.34
TapTap Send Cheapest 23.1500 $0.00 SLE 162,050.00 +SLE 1,402.66
Regency FX 22.8877 $0.00 SLE 160,213.59 −SLE 433.75
MoneyGram 22.8011 $1.99 SLE 159,607.70 −SLE 1,039.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.9504 – SLE 160,652.60
TapTap Send Cheapest 23.1500 $0.00 SLE 162,050.00 +SLE 1,397.40
Regency FX 22.8884 $0.00 SLE 160,218.83 −SLE 433.77
MoneyGram 22.8133 $1.99 SLE 159,693.10 −SLE 959.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.9504 – SLE 160,652.60
TapTap Send Cheapest 23.1500 $0.00 SLE 162,050.00 +SLE 1,397.40
Regency FX 22.8884 $0.00 SLE 160,218.83 −SLE 433.77
MoneyGram 22.8133 $1.99 SLE 159,693.10 −SLE 959.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.9498 – SLE 160,648.48
TapTap Send Cheapest 23.1500 $0.00 SLE 162,050.00 +SLE 1,401.52
Regency FX 22.8878 $0.00 SLE 160,214.73 −SLE 433.75
MoneyGram 22.8133 $1.99 SLE 159,693.10 −SLE 955.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.9498 – SLE 160,648.59
TapTap Send Cheapest 23.1500 $0.00 SLE 162,050.00 +SLE 1,401.41
Regency FX 22.8878 $0.00 SLE 160,214.84 −SLE 433.75
MoneyGram 22.8221 $1.99 SLE 159,754.70 −SLE 893.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 22.8750 – SLE 160,124.73
TapTap Send Cheapest 23.1500 $0.00 SLE 162,050.00 +SLE 1,925.27
MoneyGram 22.8285 $1.99 SLE 159,799.50 −SLE 325.23
Regency FX 22.8132 $0.00 SLE 159,692.40 −SLE 432.33

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/SLE 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 SLE 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 6 of the last 30 days.

Right now, TapTap Send pays 162,050 SLE on 7,000 USD, which is 1,925.27 SLE 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 172,296.14 SLE.

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 Sierra Leone.

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 24% of them

  2. MoneyGramAppeared in 206 comparisons

    Never the cheapest

  3. Regency FXAppeared in 117 comparisons

    Cheapest in 74% 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 TapTap Send is the cheapest and gets you the most SLE, but it was the cheapest in only 24% of the 207 comparisons it appeared in over the past month.

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

If it's a one-off transfer, go with TapTap Send, since it's the cheapest right now.

Ways to send money from the US to Sierra Leone

There are 4 companies available for sending money from the US to Sierra Leone, across app, online, in person, and broker, 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 -1.2% markup, saves your recipient's details for next time, and SLE 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 159,799.5 SLE 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 Sierra Leone.

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

On a $7,000 transfer, you will get 159,799.5 SLE after a $1.99 fee and 0.2% 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 Sierra Leone (e.g. a property purchase, tuition, or moving to Sierra Leone), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/SLE 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 SLE in Sierra Leone

With TapTap Send, paying by debit card and receiving through cash pickup is the cheapest combination. Sending $7,000 gives your recipient 162,050 SLE.

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 Sierra Leone.

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 159,799.5 SLE 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 Sierra Leone.

Your recipient in Sierra Leone can collect SLE through cash pickup, mobile money, mobile wallet, and bank deposit.

They can collect cash in Sierra Leone

Your recipient can collect SLE from a participating MoneyGram location in Sierra Leone.

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 Cash pickup

    You pay $7,000.00

    Le162,050

    Cheapest

  2. 2
    Debit card Mobile money

    You pay $7,000.00

    Le162,050

    Le0

  3. 3
    Debit card Mobile wallet

    You pay $7,001.99

    Le159,800

    -Le2,251

  4. 4
    Bank transfer Mobile wallet

    You pay $7,001.99

    Le159,800

    -Le2,251

  5. 5
    Credit card Mobile wallet

    You pay $7,210.00

    Le159,800

    -Le2,251

Show moreShow less
  1. 6
    Bank transfer Bank deposit

    You pay $7,000.00

    Le159,692

    -Le2,358

  2. 7
    Bank transfer Cash pickup

    You pay $7,004.99

    Le159,438

    -Le2,612

  3. 8
    Credit card Cash pickup

    You pay $7,179.99

    Le158,222

    -Le3,828

  4. 9
    Cash deposit Cash pickup

    You pay $7,009.59

    Le157,690

    -Le4,360

Things to consider before sending USD to Sierra Leone

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/SLE company

Cheapest way to send money to Sierra Leone

The cheapest option is TapTap Send, funded by debit card with cash pickup for the payout. Your recipient gets 162,050 SLE, which is 1.39% more than the next best option.

Fastest way to send money to Sierra Leone

The fastest option is TapTap Send. Pay by debit card and choose cash pickup for the payout. Your recipient gets 162,050 SLE, 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 Sierra Leone?

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 Sierra Leone.

While TapTap Send may not always be the cheapest or fastest way to send SLE, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

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How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Sierra Leone 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/SLE 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.