We compared 4 companies sending money from the United States to Trinidad and Tobago. Regency FX is the best and cheapest, while Regency FX is the fastest.
Sending $7,000 with Regency FX gets your recipient 47,532.98 TTD at 6.7904 TTD per USD.
| 4 of 4 providers Last updated on 28 September 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/TTD transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $214.94 1 USD = 6.7535 TTD +0.82% vs mid-market | Recipient gets $45,822.90 Within a week | |
Ways to receive money in Trinidad & Tobago with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $214.941 USD = 6.7535 TTD $45,822.90You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 6.6452 TTD +2.43% vs mid-market | Recipient gets $46,516.40 Minutes - 24 hours | |
Ways to receive money in Trinidad & Tobago with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 6.6452 TTD $46,516.40You pay$7,000.00 | |||
Run a live search Showing top United States to Trinidad and Tobago 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 TTD rates. | |||
Run a live search These companies offer multi-currency accounts for spending TTD. We suggest doing a live search based on how much USD you're planning to spend in Trinidad and Tobago. | |||
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 = 6.7904 TTD +0.27% vs mid-market | Recipient gets $47,532.98 Minutes - 24 hours | |
Ways to receive money in Trinidad & Tobago with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 6.7904 TTD $47,532.98You pay$7,000.00 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 6.6452 TTD +2.43% vs mid-market | Recipient gets $46,516.40 Minutes - 24 hours | |
Ways to receive money in Trinidad & Tobago with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 6.6452 TTD $46,516.40You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee $75.99 1 USD = 6.6363 TTD +2.57% vs mid-market | Recipient gets $46,454.10 Minutes - 24 hours | |
Ways to receive money in Trinidad & Tobago with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $75.991 USD = 6.6363 TTD $46,454.10You pay$7,075.99 Mobile walletMinutes - 24 hoursAvailable via:Massy WIDIT $0.991 USD = 6.5835 TTD $46,084.50You pay$7,000.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $141.00 1 USD = 6.6363 TTD +2.57% vs mid-market | Recipient gets $46,454.10 Minutes - 24 hours | |
Ways to receive money in Trinidad & Tobago with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $141.001 USD = 6.6363 TTD $46,454.10You pay$7,141.00 Mobile walletMinutes - 24 hoursAvailable via:Massy WIDIT $1.991 USD = 6.4046 TTD $44,832.20You pay$7,001.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $179.99 1 USD = 6.6363 TTD +2.57% vs mid-market | Recipient gets $46,454.10 Minutes - 24 hours | |
Ways to receive money in Trinidad & Tobago with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 6.6363 TTD $46,454.10You pay$7,179.99 Mobile walletMinutes - 24 hoursAvailable via:Massy WIDIT $210.001 USD = 6.5835 TTD $46,084.50You pay$7,210.00 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 6.6452 TTD +2.43% vs mid-market | Recipient gets $46,283.82 Minutes - 24 hours | |
Ways to receive money in Trinidad & Tobago with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 6.6452 TTD $46,283.82You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 6.5835 TTD +3.36% vs mid-market | Recipient gets $46,084.50 Minutes - 24 hours | |
Ways to receive money in Trinidad & Tobago with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 6.5835 TTD $46,084.50You pay$7,060.79 | |||
| Wise Pay via Bank transfer | Fee $214.94 1 USD = 6.7535 TTD +0.82% vs mid-market | Recipient gets $45,822.90 Within a week | |
Ways to receive money in Trinidad & Tobago with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $214.941 USD = 6.7535 TTD $45,822.90You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 6.6452 TTD +2.43% vs mid-market | Recipient gets $45,120.91 Minutes - 24 hours | |
Ways to receive money in Trinidad & Tobago with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 6.6452 TTD $45,120.91You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 6.8088 TTD 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 Xe.
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 Trinidad and Tobago, 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 Trinidad and Tobago 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 | 1.30% | $0.00 | $3,360.50with debit card to bank deposit | +$144.89 | |
| $2,000 | 1.30% | $0.00 | $13,442.00with debit card to bank deposit | +$287.68 | |
| $5,000 | 2.43% | $0.00 | $33,226.00with bank transfer to bank deposit | +$265.68 | |
| $7,000This page | 0.27% | $0.00 | $47,532.98with bank transfer to bank deposit | +$1,230.33 | |
| $10,000 | 0.27% | $0.00 | $67,904.26with bank transfer to bank deposit | +$1,753.43 |
Mid-market rate: 1 USD = 6.8088 TTD
There are 4 companies available for sending money from the US to Trinidad and Tobago, across online, app, broker, 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.
Xe charges $0 on a $7,000 transfer with 2.43% markup, saves your recipient's details for next time, and TTD 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 46,454.1 TTD 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 Trinidad and Tobago.
Of all online companies listed here, Xe gets you the most TTD per USD.
On a $7,000 transfer, you will get 46,516.4 TTD after a $0 fee and 2.43% 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 Trinidad and Tobago (e.g. a property purchase, tuition, or moving to Trinidad and Tobago), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/TTD 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 TTD.
This is useful for traveling to Trinidad and Tobago, building up TTD balance, or receiving payments in TTD.
Wise converts $7,000 at 0.82% markup plus small fee and holds the TTD 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 47,532.98 TTD.
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 Trinidad and Tobago.
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 46,454.1 TTD 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 Trinidad and Tobago.
Your recipient in Trinidad and Tobago can collect TTD through bank deposit, cash pickup, and mobile wallet.
They can collect cash in Trinidad and Tobago
Your recipient can collect TTD from a participating MoneyGram location in Trinidad and Tobago.
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
TT$47,533
Cheapest
You pay $7,141.00
TT$46,454
-TT$1,079
You pay $7,179.99
TT$46,454
-TT$1,079
You pay $7,075.99
TT$46,454
-TT$1,079
You pay $7,000.00
TT$46,284
-TT$1,249
You pay $7,210.00
TT$46,085
-TT$1,448
You pay $7,000.99
TT$46,085
-TT$1,448
You pay $7,060.79
TT$46,085
-TT$1,448
You pay $7,000.00
TT$45,121
-TT$2,412
You pay $7,001.99
TT$44,832
-TT$2,701
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 Trinidad and Tobago
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 47,532.98 TTD, which is 2.14% more than the next best option.
Fastest way to send money to Trinidad and Tobago
The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 47,532.98 TTD, 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, Regency FX is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Trinidad and Tobago.
While Regency FX may not always be the cheapest or fastest way to send TTD, 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 TTD your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 6.787754 TTD
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Trinidad and Tobago 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 Trinidad and Tobago.
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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