Compare the best ways to send money from United States to Trinidad and Tobago

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 47,475.75 TTD at 6.7822 TTD per USD.

Best companies for USD/TTD transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/TTD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $219.54 1 USD = 6.7572 TTD +0.64% vs mid-market Recipient gets $45,816.59 Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Trinidad & Tobago with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$219.541 USD = 6.7572 TTD
$45,816.59You pay$7,000.00
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 6.5930 TTD +3.10% vs mid-market Recipient gets $46,151.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Trinidad & Tobago with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 6.5930 TTD
$46,151.00You pay$7,000.00

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Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 6.7822 TTD +0.27% vs mid-market Recipient gets $47,475.75 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Trinidad & Tobago with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 6.7822 TTD
$47,475.75You pay$7,000.00

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 6.5930 TTD +3.10% vs mid-market Recipient gets $46,151.00 Minutes - 24 hours
Fastest
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Trinidad & Tobago with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 6.5930 TTD
$46,151.00You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $75.99 1 USD = 6.5886 TTD +3.17% vs mid-market Recipient gets $46,120.20 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 = 6.5886 TTD
$46,120.20You 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 = 6.5886 TTD +3.17% vs mid-market Recipient gets $46,120.20 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 = 6.5886 TTD
$46,120.20You 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 = 6.5886 TTD +3.17% vs mid-market Recipient gets $46,120.20 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 = 6.5886 TTD
$46,120.20You pay$7,179.99
Mobile walletMinutes - 24 hoursAvailable via:Massy WIDIT
$210.001 USD = 6.5835 TTD
$46,084.50You pay$7,210.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 6.5835 TTD +3.24% 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

Xe

Pay via Debit card
Fee $35.00 1 USD = 6.5930 TTD +3.10% vs mid-market Recipient gets $45,920.25 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Trinidad & Tobago with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 6.5930 TTD
$45,920.25You pay$7,000.00

Wise

Pay via Bank transfer
Fee $219.54 1 USD = 6.7572 TTD +0.64% vs mid-market Recipient gets $45,816.59 Within a week
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Trinidad & Tobago with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$219.541 USD = 6.7572 TTD
$45,816.59You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 6.5930 TTD +3.10% vs mid-market Recipient gets $44,766.47 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Trinidad & Tobago with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 6.5930 TTD
$44,766.47You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 6.8006 TTD Updates every 60 minutes.

How to send money from US to Trinidad and Tobago

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 Trinidad and Tobago.

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.

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 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).

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 Trinidad and Tobago?

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.

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.

Cheapest service
$500-1.04%$0.00$3,435.90with debit card to bank deposit+$160.98
$2,0000.05%$0.00$13,594.20with debit card to bank deposit+$485.26
$5,0000.71%$0.00$33,761.00with debit card to bank deposit+$658.28
$7,000This page0.27%$0.00$47,475.75with bank transfer to bank deposit+$1,411.84
$10,0000.27%$0.00$67,822.49with bank transfer to bank deposit+$2,012.72
$50,0000.25%$0.00$339,180.47with bank transfer to bank deposit+$10,084.99
$100,0000.20%$0.00$678,700.98with bank transfer to bank deposit+$20,462.45
$250,0000.20%$0.00$1,696,752.44with bank transfer to bank deposit+$51,141.44

Mid-market rate: 1 USD = 6.8006 TTD

USD/TTD Exchange Rate History

Is today a good time to send money from US to Trinidad and Tobago?

The cheapest way to send USD to TTD 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 Trinidad and Tobago.

TTD received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rate$47,604.28 Regency FX $47,475.75Regency FX$47,475.75Xe$46,151.00MoneyGram$46,120.20

45,500
46,000
46,500
47,000
47,500
48,000
At the mid-market rateWith the cheapest optionRegency FXXeMoneyGram
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7914 – $47,539.99
Regency FX Cheapest 6.7731 $0.00 $47,411.63 −$128.36
MoneyGram 6.6400 $5.99 $46,480.00 −$1,059.99
Xe 6.5965 $0.00 $46,175.50 −$1,364.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7898 – $47,528.46
Regency FX Cheapest 6.7714 $0.00 $47,400.13 −$128.33
MoneyGram 6.5835 $0.99 $46,084.50 −$1,443.96
Xe 6.5829 $0.00 $46,080.30 −$1,448.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.8002 – $47,601.15
Regency FX Cheapest 6.7818 $0.00 $47,472.62 −$128.53
Xe 6.5989 $0.00 $46,192.30 −$1,408.85
MoneyGram 6.5943 $5.99 $46,160.10 −$1,441.05
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.8200 – $47,739.80
Regency FX Cheapest 6.8016 $0.00 $47,610.91 −$128.89
MoneyGram 6.5943 $5.99 $46,160.10 −$1,579.70
Xe 6.5739 $0.00 $46,017.30 −$1,722.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7794 – $47,456.15
Regency FX Cheapest 6.7611 $0.00 $47,328.02 −$128.13
MoneyGram 6.5835 $0.99 $46,084.50 −$1,371.65
Xe 6.5422 $0.00 $45,795.40 −$1,660.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7658 – $47,360.89
Regency FX Cheapest 6.7476 $0.00 $47,233.02 −$127.87
MoneyGram 6.5835 $0.99 $46,084.50 −$1,276.39
Xe 6.5422 $0.00 $45,795.40 −$1,565.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7756 – $47,428.93
Regency FX Cheapest 6.7573 $0.00 $47,300.87 −$128.06
MoneyGram 6.5835 $0.99 $46,084.50 −$1,344.43
Xe 6.5673 $0.00 $45,971.10 −$1,457.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7646 – $47,352.12
Regency FX Cheapest 6.7463 $0.00 $47,224.27 −$127.85
MoneyGram 6.5835 $0.99 $46,084.50 −$1,267.62
Xe 6.5581 $0.00 $45,906.70 −$1,445.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7750 – $47,425.25
Regency FX Cheapest 6.7567 $0.00 $47,297.20 −$128.05
MoneyGram 6.5835 $0.99 $46,084.50 −$1,340.75
Xe 6.5650 $0.00 $45,955.00 −$1,470.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7786 – $47,450.10
Regency FX Cheapest 6.7603 $0.00 $47,321.99 −$128.11
MoneyGram 6.5957 $75.99 $46,169.90 −$1,280.20
Xe 6.5793 $0.00 $46,055.10 −$1,395.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7716 – $47,401.26
Regency FX Cheapest 6.7533 $0.00 $47,273.28 −$127.98
Xe 6.6077 $0.00 $46,253.90 −$1,147.36
MoneyGram 6.6032 $5.99 $46,222.40 −$1,178.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7937 – $47,555.66
Regency FX Cheapest 6.7753 $0.00 $47,427.25 −$128.40
MoneyGram 6.6252 $5.99 $46,376.40 −$1,179.25
Xe 6.6046 $0.00 $46,232.20 −$1,323.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7937 – $47,555.66
Regency FX Cheapest 6.7753 $0.00 $47,427.25 −$128.40
MoneyGram 6.6252 $5.99 $46,376.40 −$1,179.25
Xe 6.6046 $0.00 $46,232.20 −$1,323.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7891 – $47,523.43
Regency FX Cheapest 6.7707 $0.00 $47,395.11 −$128.32
Xe 6.6301 $0.00 $46,410.70 −$1,112.73
MoneyGram 6.6252 $5.99 $46,376.40 −$1,147.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.8130 – $47,690.99
Regency FX Cheapest 6.7946 $0.00 $47,562.23 −$128.76
Xe 6.6466 $0.00 $46,526.20 −$1,164.79
MoneyGram 6.6415 $5.99 $46,490.50 −$1,200.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7879 – $47,515.54
Regency FX Cheapest 6.7696 $0.00 $47,387.25 −$128.29
Xe 6.6310 $0.00 $46,417.00 −$1,098.54
MoneyGram 6.6260 $5.99 $46,382.00 −$1,133.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7964 – $47,574.82
Regency FX Cheapest 6.7781 $0.00 $47,446.37 −$128.45
Xe 6.6507 $0.00 $46,554.90 −$1,019.92
MoneyGram 6.6260 $5.99 $46,382.00 −$1,192.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7879 – $47,515.08
Regency FX Cheapest 6.7695 $0.00 $47,386.79 −$128.29
Xe 6.6265 $0.00 $46,385.50 −$1,129.58
MoneyGram 6.6217 $75.99 $46,351.90 −$1,163.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7989 – $47,592.41
Regency FX Cheapest 6.7806 $0.00 $47,463.91 −$128.49
MoneyGram 6.6217 $75.99 $46,351.90 −$1,240.50
Xe 6.5809 $0.00 $46,066.30 −$1,526.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7989 – $47,592.41
Regency FX Cheapest 6.7806 $0.00 $47,463.91 −$128.49
MoneyGram 6.6217 $75.99 $46,351.90 −$1,240.50
Xe 6.5809 $0.00 $46,066.30 −$1,526.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.8112 – $47,678.72
Regency FX Cheapest 6.7929 $0.00 $47,549.98 −$128.74
MoneyGram 6.6217 $75.99 $46,351.90 −$1,326.82
Xe 6.6062 $0.00 $46,243.40 −$1,435.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7853 – $47,496.77
Regency FX Cheapest 6.7669 $0.00 $47,368.53 −$128.24
Xe 6.6105 $0.00 $46,273.50 −$1,223.27
MoneyGram 6.6058 $5.99 $46,240.60 −$1,256.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7749 – $47,424.55
Regency FX Cheapest 6.7566 $0.00 $47,296.51 −$128.04
Xe 6.6072 $0.00 $46,250.40 −$1,174.15
MoneyGram 6.6026 $5.99 $46,218.20 −$1,206.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7898 – $47,528.92
Regency FX Cheapest 6.7715 $0.00 $47,400.59 −$128.33
Xe 6.5933 $0.00 $46,153.10 −$1,375.82
MoneyGram 6.5890 $75.99 $46,123.00 −$1,405.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7829 – $47,480.26
Regency FX Cheapest 6.7646 $0.00 $47,352.06 −$128.20
Xe 6.6247 $0.00 $46,372.90 −$1,107.36
MoneyGram 6.6198 $5.99 $46,338.60 −$1,141.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7898 – $47,528.89
Regency FX Cheapest 6.7715 $0.00 $47,400.57 −$128.32
MoneyGram 6.5964 $75.99 $46,174.80 −$1,354.09
Xe 6.5755 $0.00 $46,028.50 −$1,500.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7898 – $47,528.89
Regency FX Cheapest 6.7715 $0.00 $47,400.57 −$128.32
MoneyGram 6.5964 $75.99 $46,174.80 −$1,354.09
Xe 6.5755 $0.00 $46,028.50 −$1,500.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.7799 – $47,459.43
Regency FX Cheapest 6.7616 $0.00 $47,331.29 −$128.14
Xe 6.6008 $0.00 $46,205.60 −$1,253.83
MoneyGram 6.5964 $75.99 $46,174.80 −$1,284.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.8113 – $47,678.99
Regency FX Cheapest 6.7929 $0.00 $47,550.25 −$128.74
Xe 6.6138 $0.00 $46,296.60 −$1,382.39
MoneyGram 6.6091 $75.99 $46,263.70 −$1,415.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 6.8006 – $47,604.28
Regency FX Cheapest 6.7822 $0.00 $47,475.75 −$128.53
Xe 6.5930 $0.00 $46,151.00 −$1,453.28
MoneyGram 6.5886 $75.99 $46,120.20 −$1,484.08

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/TTD 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 TTD 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 TTD on every transfer from US.

Right now, Regency FX pays 47,475.75 TTD on 7,000 USD, which is 128.53 TTD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 47,610.91 TTD.

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 Trinidad and Tobago.

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

  1. Regency FXAppeared in 117 comparisons

    Cheapest every time

  2. XeAppeared in 177 comparisons

    Cheapest in 1% of them

  3. MoneyGramAppeared in 205 comparisons

    Cheapest in 4% 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 TTD, 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 Trinidad and Tobago.

Xe (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers to Trinidad and Tobago.

Ways to send money from the US to Trinidad and Tobago

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

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 3.1% markup, saves your recipient's details for next time, and TTD arrives in minutes - 24 hours.

Over the past month, Xe was the cheapest app on 47% 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 46,120.2 TTD 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 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 46,151 TTD after a $0 fee and 3.1% markup.

In our comparisons over the past month, it was the cheapest online service on 14 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 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.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from $5,000 it quoted.

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

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

Multi-currency accounts

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 0.64% markup plus small fee and holds the TTD until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund USD and receive TTD in Trinidad and Tobago

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 47,475.75 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 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 the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 46,120.2 TTD 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 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.

  1. 1
    Bank transfer Bank deposit

    You pay $7,000.00

    TT$47,476

    Cheapest

  2. 2
    Bank transfer Cash pickup

    You pay $7,141.00

    TT$46,120

    -TT$1,356

  3. 3
    Credit card Cash pickup

    You pay $7,179.99

    TT$46,120

    -TT$1,356

  4. 4
    Debit card Cash pickup

    You pay $7,075.99

    TT$46,120

    -TT$1,356

  5. 5
    Credit card Mobile wallet

    You pay $7,210.00

    TT$46,085

    -TT$1,391

Show moreShow less
  1. 6
    Debit card Mobile wallet

    You pay $7,000.99

    TT$46,085

    -TT$1,391

  2. 7
    Cash deposit Cash pickup

    You pay $7,060.79

    TT$46,085

    -TT$1,391

  3. 8
    Debit card Bank deposit

    You pay $7,000.00

    TT$45,920

    -TT$1,556

  4. 9
    Bank transfer Mobile wallet

    You pay $7,001.99

    TT$44,832

    -TT$2,644

  5. 10
    Credit card Bank deposit

    You pay $7,000.00

    TT$44,766

    -TT$2,709

Things to consider before sending USD to Trinidad and Tobago

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/TTD company

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 47,475.75 TTD, which is 2.79% 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 47,475.75 TTD, 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 Trinidad and Tobago?

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.

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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 Trinidad and Tobago 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/TTD 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.