Best companies for USD/TJS transfers
2 of 2 providers Last updated on 28 October 2026
Based on 7,000 USD transfer Best companies for USD/TJS transfers Sort Cheapest
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 8.6226 TJS +6.66% vs mid-market	Recipient gets TJS 60,358.20 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Tajikistan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 8.6226 TJS TJS 60,358.20You pay$7,000.00
Promoted Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 9.1922 TJS +0.27% vs mid-market	Recipient gets TJS 64,345.20 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Tajikistan with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 9.1922 TJS TJS 64,345.20You pay$7,000.00
Run a live search Showing top United States to Tajikistan 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 TJS rates.
Run a live search These companies offer multi-currency accounts for spending TJS. We suggest doing a live search based on how much USD you're planning to spend in Tajikistan.
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 = 9.1922 TJS +0.27% vs mid-market	Recipient gets TJS 64,345.20 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Tajikistan with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 9.1922 TJS TJS 64,345.20You pay$7,000.00
Xe Pay via Bank transfer	Fee $0.00 1 USD = 8.6226 TJS +6.66% vs mid-market	Recipient gets TJS 60,358.20 Minutes - 24 hours
4 reviews FastestRecommended Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Tajikistan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 8.6226 TJS TJS 60,358.20You pay$7,000.00
Xe Pay via Debit card	Fee $35.00 1 USD = 8.6226 TJS +6.66% vs mid-market	Recipient gets TJS 60,056.41 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Tajikistan with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 8.6226 TJS TJS 60,056.41You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 8.6226 TJS +6.66% vs mid-market	Recipient gets TJS 58,547.45 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Tajikistan with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 8.6226 TJS TJS 58,547.45You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 9.2171 TJS Updates every 60 minutes.

Why compare

USD/TJS exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Tajikistan

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 Tajikistan.

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

For large transfers, a broker like Regency FX is the best option.

How much you send will affect the best option for you right now.

Pay for it

You have 3 ways to pay for your transfer to Tajikistan, including bank transfer, debit card, and credit card.

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 Tajikistan?

How much USD you send to Tajikistan 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	2.11%	$0.00	TJS 4,512.14with debit card to bank deposit	TJS 0.00
$2,000	6.66%	$0.00	TJS 17,245.20with bank transfer to bank deposit	+TJS 201.20
$5,000	6.66%	$0.00	TJS 43,113.00with bank transfer to bank deposit	+TJS 502.98
$7,000This page	0.27%	$0.00	TJS 64,345.20with bank transfer to bank deposit	+TJS 3,518.38
$10,000	0.27%	$0.00	TJS 91,921.71with bank transfer to bank deposit	+TJS 5,026.26
$50,000	0.25%	$0.00	TJS 459,700.72with bank transfer to bank deposit	+TJS 25,200.43
$100,000	0.20%	$0.00	TJS 919,862.29with bank transfer to bank deposit	+TJS 50,746.49
$250,000	0.20%	$0.00	TJS 2,299,655.72with bank transfer to bank deposit	+TJS 126,866.23

Mid-market rate: 1 USD = 9.2171 TJS

USD/TJS Exchange Rate History

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

The cheapest way to send USD to TJS 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 Tajikistan.

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/TJS 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 TJS 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 TJS on every transfer from US.

Right now, Regency FX pays 64,345.2 TJS on 7,000 USD, which is 174.2 TJS less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 64,635.32 TJS.

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 Tajikistan.

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
XeAppeared in 177 comparisons
Cheapest in 32% 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 TJS, 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 Tajikistan.

Xe (today's second cheapest) was the cheapest in only 32% of its comparisons, so it's rarely the cheapest option for transfers to Tajikistan.

Ways to send money from the US to Tajikistan

There are 2 companies available for sending money from the US to Tajikistan, across broker, online, and app, 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.

Xe charges $0 on a $7,000 transfer with 6.66% markup, saves your recipient's details for next time, and TJS arrives in minutes - 24 hours.

Over the past month, Xe 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.

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 Tajikistan.

Of all online companies listed here, Xe gets you the most TJS per USD.

On a $7,000 transfer, you will get 60,358.2 TJS after a $0 fee and 6.66% 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 Tajikistan (e.g. a property purchase, tuition, or moving to Tajikistan), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/TJS 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 TJS in Tajikistan

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 64,345.2 TJS.

Deposit USD by bank transfer, debit card, and credit card.

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 Tajikistan.

Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Tajikistan.

Your recipient in Tajikistan can collect TJS through bank deposit.

1

Bank transfer Bank deposit

You pay $7,000.00

SM64,345

Cheapest
2

Debit card Bank deposit

You pay $7,000.00

SM60,056

-SM4,289
3

Credit card Bank deposit

You pay $7,000.00

SM58,547

-SM5,798

Things to consider before sending USD to Tajikistan

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/TJS company

Cheapest way to send money to Tajikistan

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 64,345.2 TJS, which is 6.2% more than the next best option.

Fastest way to send money to Tajikistan

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 64,345.2 TJS, 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 Tajikistan?

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 Tajikistan.

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

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

Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2307	–	TJS 64,614.77
Regency FX Cheapest	9.2058	$0.00	TJS 64,440.31	−TJS 174.46
Xe	8.6435	$0.00	TJS 60,504.50	−TJS 4,110.27

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2133	–	TJS 64,492.77
Regency FX Cheapest	9.1884	$0.00	TJS 64,318.64	−TJS 174.13
Xe	8.6382	$0.00	TJS 60,467.40	−TJS 4,025.37

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2322	–	TJS 64,625.13
Regency FX Cheapest	9.2072	$0.00	TJS 64,450.64	−TJS 174.49
Xe	8.6236	$0.00	TJS 60,365.20	−TJS 4,259.93

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2586	–	TJS 64,810.31
Regency FX Cheapest	9.2336	$0.00	TJS 64,635.32	−TJS 174.99
Xe	8.6363	$0.00	TJS 60,454.10	−TJS 4,356.21

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2033	–	TJS 64,422.75
Regency FX Cheapest	9.1784	$0.00	TJS 64,248.81	−TJS 173.94
Xe	8.9864	$0.00	TJS 62,904.80	−TJS 1,517.95

Sun, Oct 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.1848	–	TJS 64,293.44
Regency FX Cheapest	9.1600	$0.00	TJS 64,119.85	−TJS 173.59
Xe	8.9864	$0.00	TJS 62,904.80	−TJS 1,388.64

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.1978	–	TJS 64,384.94
Regency FX Cheapest	9.1730	$0.00	TJS 64,211.10	−TJS 173.84
Xe	8.6295	$0.00	TJS 60,406.50	−TJS 3,978.44

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.1860	–	TJS 64,301.76
Regency FX Cheapest	9.1612	$0.00	TJS 64,128.14	−TJS 173.61
Xe	8.6308	$0.00	TJS 60,415.60	−TJS 3,886.15

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2154	–	TJS 64,507.49
Regency FX Cheapest	9.1905	$0.00	TJS 64,333.31	−TJS 174.18
Xe	8.6357	$0.00	TJS 60,449.90	−TJS 4,057.59

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2232	–	TJS 64,562.74
Regency FX Cheapest	9.1983	$0.00	TJS 64,388.42	−TJS 174.32
Xe	8.6341	$0.00	TJS 60,438.70	−TJS 4,124.04

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.1865	–	TJS 64,305.47
Regency FX Cheapest	9.1617	$0.00	TJS 64,131.85	−TJS 173.62
Xe	8.6415	$0.00	TJS 60,490.50	−TJS 3,814.97

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2005	–	TJS 64,403.75
Regency FX Cheapest	9.1757	$0.00	TJS 64,229.85	−TJS 173.90
Xe	8.9915	$0.00	TJS 62,940.50	−TJS 1,463.25

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.1941	–	TJS 64,358.96
Regency FX Cheapest	9.1693	$0.00	TJS 64,185.19	−TJS 173.77
Xe	8.6391	$0.00	TJS 60,473.70	−TJS 3,885.26

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2322	–	TJS 64,625.27
Regency FX Cheapest	9.2073	$0.00	TJS 64,450.79	−TJS 174.48
Xe	8.6402	$0.00	TJS 60,481.40	−TJS 4,143.87

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2126	–	TJS 64,488.15
Regency FX Cheapest	9.1877	$0.00	TJS 64,314.03	−TJS 174.12
Xe	8.6444	$0.00	TJS 60,510.80	−TJS 3,977.35

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2239	–	TJS 64,567.01
Regency FX Cheapest	9.1990	$0.00	TJS 64,392.68	−TJS 174.33
Xe	8.6460	$0.00	TJS 60,522.00	−TJS 4,045.01

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2161	–	TJS 64,512.62
Regency FX Cheapest	9.1912	$0.00	TJS 64,338.43	−TJS 174.19
Xe	8.6392	$0.00	TJS 60,474.40	−TJS 4,038.22

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2288	–	TJS 64,601.26
Regency FX Cheapest	9.2038	$0.00	TJS 64,426.83	−TJS 174.43
Xe	8.9893	$0.00	TJS 62,925.10	−TJS 1,676.16

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2455	–	TJS 64,718.70
Regency FX Cheapest	9.2206	$0.00	TJS 64,543.96	−TJS 174.74
Xe	8.6426	$0.00	TJS 60,498.20	−TJS 4,220.50

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2115	–	TJS 64,480.19
Regency FX Cheapest	9.1866	$0.00	TJS 64,306.09	−TJS 174.10
Xe	8.6383	$0.00	TJS 60,468.10	−TJS 4,012.09

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2180	–	TJS 64,525.94
Regency FX Cheapest	9.1931	$0.00	TJS 64,351.72	−TJS 174.22
Xe	8.6278	$0.00	TJS 60,394.60	−TJS 4,131.34

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2109	–	TJS 64,476.41
Regency FX Cheapest	9.1860	$0.00	TJS 64,302.33	−TJS 174.08
Xe	8.6294	$0.00	TJS 60,405.80	−TJS 4,070.61

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.1904	–	TJS 64,332.99
Regency FX Cheapest	9.1656	$0.00	TJS 64,159.29	−TJS 173.70
Xe	8.6170	$0.00	TJS 60,319.00	−TJS 4,013.99

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.2085	–	TJS 64,459.23
Regency FX Cheapest	9.1836	$0.00	TJS 64,285.19	−TJS 174.04
Xe	8.9672	$0.00	TJS 62,770.40	−TJS 1,688.83

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	9.1950	–	TJS 64,365.01
Regency FX Cheapest	9.1702	$0.00	TJS 64,191.23	−TJS 173.78
Xe	8.6153	$0.00	TJS 60,307.10	−TJS 4,057.91

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

Best companies for USD/TJS transfers