How to send money to Ukraine from the US with the best USD-UAH rate

We compared 6 companies sending money from the United States to Ukraine. MoneyGram is the best and cheapest, while Revolut is the fastest.

Sending $500 with MoneyGram gets your recipient 22,649 UAH at 45.2980 UAH per USD.

Best companies for USD/UAH transfers

6 of 6 providers

Last updated on 10 November 2026

Based on 500 USD transfer

Best companies for USD/UAH transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $10.24 1 USD = 45.4000 UAH +0.08% vs mid-market Recipient gets ₴22,235.10 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Ukraine with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$10.241 USD = 45.4000 UAH
₴22,235.10You pay$500.00
Promoted

Remitly

Pay via Bank transfer
Fee $0.49 1 USD = 44.0700 UAH +3.06% vs mid-market Recipient gets ₴22,035.00 Within a week
Receive to bank account or cash pickup

Ways to receive money in Ukraine with Remitly when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a week
$0.491 USD = 44.0700 UAH
₴22,035.00You pay$500.49

Run a live search

Showing top United States to Ukraine deals for 500 USD. Do a live search with your exact amount for today's best rates.
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $8.79 1 USD = 45.2980 UAH +0.31% vs mid-market Recipient gets ₴22,649.00 Minutes - 24 hours
Cheapest

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$8.791 USD = 45.2980 UAH
₴22,649.00You pay$508.79
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee $0.00 1 USD = 45.0054 UAH +0.96% vs mid-market Recipient gets ₴22,502.68 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Ukraine with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
Free1 USD = 45.0054 UAH
₴22,502.68You pay$500.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $10.99 1 USD = 44.8678 UAH +1.26% vs mid-market Recipient gets ₴22,433.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$10.991 USD = 44.8678 UAH
₴22,433.90You pay$510.99
Bank depositMinutes - 24 hoursAvailable via:PrivatBank, Other Banks
$1.991 USD = 44.1024 UAH
₴22,051.20You pay$501.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $14.00 1 USD = 44.8678 UAH +1.26% vs mid-market Recipient gets ₴22,433.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$14.001 USD = 44.8678 UAH
₴22,433.90You pay$514.00
Bank depositMinutes - 24 hoursAvailable via:PrivatBank, Other Banks
$1.991 USD = 44.1031 UAH
₴22,051.55You pay$501.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $22.49 1 USD = 44.8678 UAH +1.26% vs mid-market Recipient gets ₴22,433.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$22.491 USD = 44.8678 UAH
₴22,433.90You pay$522.49
Bank depositMinutes - 24 hoursAvailable via:PrivatBank, Other Banks
$20.491 USD = 44.1024 UAH
₴22,051.20You pay$520.49

Wise

Pay via Bank transfer
Fee $10.24 1 USD = 45.4000 UAH +0.08% vs mid-market Recipient gets ₴22,235.10 Within minutes
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Ukraine with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$10.241 USD = 45.4000 UAH
₴22,235.10You pay$500.00

Wise

Pay via Debit card
Fee $10.25 1 USD = 45.4000 UAH +0.08% vs mid-market Recipient gets ₴22,234.65 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Ukraine with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$10.251 USD = 45.4000 UAH
₴22,234.65You pay$500.00

Paysend

Pay via Debit card
Fee $0.00 1 USD = 44.3484 UAH +2.43% vs mid-market Recipient gets ₴22,174.18 Minutes - 24 hours

Ways to receive money in Ukraine with Paysend when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 44.3484 UAH
₴22,174.18You pay$500.00

Paysend

Pay via Credit card
Fee $0.00 1 USD = 44.3484 UAH +2.43% vs mid-market Recipient gets ₴22,174.18 Minutes - 24 hours

Ways to receive money in Ukraine with Paysend when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 44.3484 UAH
₴22,174.18You pay$500.00

Remitly

Pay via Bank transfer
Fee $0.49 1 USD = 44.0700 UAH +3.06% vs mid-market Recipient gets ₴22,035.00 Within a week
Receive to bank account or cash pickup

Ways to receive money in Ukraine with Remitly when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a week
$0.491 USD = 44.0700 UAH
₴22,035.00You pay$500.49

Remitly

Pay via Remitly Wallet
Fee $0.49 1 USD = 44.0700 UAH +3.06% vs mid-market Recipient gets ₴22,035.00 Within minutes
Receive to bank account or cash pickup

Ways to receive money in Ukraine with Remitly when paying by remitly wallet.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$0.491 USD = 44.0700 UAH
₴22,035.00You pay$500.49

Remitly

Pay via Debit card
Fee $0.99 1 USD = 44.0700 UAH +3.06% vs mid-market Recipient gets ₴22,035.00 Within minutes
Receive to bank account or cash pickup

Ways to receive money in Ukraine with Remitly when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$0.991 USD = 44.0700 UAH
₴22,035.00You pay$500.99

Remitly

Pay via Credit card
Fee $16.01 1 USD = 44.0700 UAH +3.06% vs mid-market Recipient gets ₴22,035.00 Within minutes
Receive to bank account or cash pickup

Ways to receive money in Ukraine with Remitly when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$16.011 USD = 44.0700 UAH
₴22,035.00You pay$516.01

Xoom

Pay via PayPal
Fee $0.00 1 USD = 44.0405 UAH +3.12% vs mid-market Recipient gets ₴22,020.25 Minutes - 24 hours

Ways to receive money in Ukraine with Xoom when paying by paypal.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 44.0405 UAH
₴22,020.25You pay$500.00
Card depositMinutes - 24 hours
Free1 USD = 44.0405 UAH
₴22,020.25You pay$500.00

Xoom

Pay via Bank transfer
Fee $0.00 1 USD = 44.0405 UAH +3.12% vs mid-market Recipient gets ₴22,020.25 Minutes - 24 hours

Ways to receive money in Ukraine with Xoom when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 44.0405 UAH
₴22,020.25You pay$500.00
Card depositMinutes - 24 hours
Free1 USD = 44.0405 UAH
₴22,020.25You pay$500.00

Xoom

Pay via Debit card
Fee $0.00 1 USD = 44.0405 UAH +3.12% vs mid-market Recipient gets ₴22,020.25 Minutes - 24 hours

Ways to receive money in Ukraine with Xoom when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 44.0405 UAH
₴22,020.25You pay$500.00
Card depositMinutes - 24 hours
Free1 USD = 44.0405 UAH
₴22,020.25You pay$500.00

Xoom

Pay via Credit card
Fee $0.00 1 USD = 44.0405 UAH +3.12% vs mid-market Recipient gets ₴22,020.25 Minutes - 24 hours

Ways to receive money in Ukraine with Xoom when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 44.0405 UAH
₴22,020.25You pay$500.00
Card depositMinutes - 24 hours
Free1 USD = 44.0405 UAH
₴22,020.25You pay$500.00

Wise

Pay via Credit card
Fee $34.57 1 USD = 45.4000 UAH +0.08% vs mid-market Recipient gets ₴21,130.52 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Ukraine with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$34.571 USD = 45.4000 UAH
₴21,130.52You pay$500.00
How Our Results Work
Mid-market rate: 1 USD = 45.4378 UAH Updates every 60 minutes.

How to send money from US to Ukraine

Pick a company

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

MoneyGram was the cheapest on 30 of the 30 days it quoted $500 transfers to Ukraine.

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

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 6 ways to pay for your transfer to Ukraine, including bank transfer, debit card, credit card, cash deposit, remitly wallet, and PayPal.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's 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 Ukraine?

How much USD you send to Ukraine 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 MoneyGram was the cheapest in 23% of the transfers from $5,000 it quoted, and in 42% of all the transfers it quoted.

Cheapest service
$500This page0.31%$8.79₴22,649.00with cash deposit to cash pickup+₴503.28
$2,0000.86%$5.00₴89,875.65with bank transfer to bank deposit+₴1,311.60
$5,0000.86%$20.00₴224,351.26with bank transfer to bank deposit+₴3,201.01
$7,0000.27%$0.00₴317,205.85with bank transfer to bank deposit+₴2,135.64
$10,0000.27%$0.00₴453,151.22with bank transfer to bank deposit+₴3,269.35
$50,0000.25%$0.00₴2,266,210.47with bank transfer to bank deposit+₴16,865.74
$100,0000.20%$0.00₴4,534,692.84with bank transfer to bank deposit+₴33,550.85
$250,0000.20%$0.00₴11,336,732.10with bank transfer to bank deposit+₴83,414.68

Mid-market rate: 1 USD = 45.4378 UAH

USD/UAH Exchange Rate History

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

The cheapest way to send USD to UAH 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 MoneyGram), across 30 days of comparisons for 500 USD transfers to Ukraine.

UAH received for $500, after fees

Tue, Nov 10, 2026Mid-market rate₴22,718.90 MoneyGram ₴22,649.00MoneyGram₴22,649.00Revolut₴22,502.68Wise₴22,235.10

21,600
21,800
22,000
22,200
22,400
22,600
22,800
23,000
At the mid-market rateWith the cheapest optionMoneyGramRevolutWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 44.8855 – ₴22,442.75
MoneyGram Cheapest 44.6906 $8.79 ₴22,345.30 −₴97.45
Revolut 44.3564 $0.00 ₴22,178.17 −₴264.58
Wise 44.6000 $10.24 ₴21,843.30 −₴599.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.0992 – ₴22,549.61
MoneyGram Cheapest 44.8057 $8.79 ₴22,402.85 −₴146.76
Revolut 44.5092 $0.00 ₴22,254.59 −₴295.02
Wise 44.8000 $10.24 ₴21,941.25 −₴608.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.0261 – ₴22,513.07
MoneyGram Cheapest 44.9182 $8.79 ₴22,459.10 −₴53.97
Revolut 44.5144 $0.00 ₴22,257.21 −₴255.86
Wise 44.8000 $10.24 ₴21,941.25 −₴571.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 44.9156 – ₴22,457.81
MoneyGram Cheapest 44.7962 $8.79 ₴22,398.10 −₴59.71
Revolut 44.4515 $0.00 ₴22,225.76 −₴232.05
Wise 44.7000 $10.24 ₴21,892.27 −₴565.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 44.8625 – ₴22,431.23
MoneyGram Cheapest 44.7014 $8.79 ₴22,350.70 −₴80.53
Revolut 44.3401 $0.00 ₴22,170.06 −₴261.17
Wise 44.6500 $10.24 ₴21,867.78 −₴563.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 44.9209 – ₴22,460.44
MoneyGram Cheapest 44.6767 $8.79 ₴22,338.35 −₴122.09
Revolut 44.3137 $5.00 ₴21,935.29 −₴525.15
Wise 44.6500 $10.24 ₴21,867.78 −₴592.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 44.9209 – ₴22,460.44
MoneyGram Cheapest 44.6767 $8.79 ₴22,338.35 −₴122.09
Revolut 44.3137 $5.00 ₴21,935.29 −₴525.15
Wise 44.6500 $10.24 ₴21,867.78 −₴592.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 44.9823 – ₴22,491.15
MoneyGram Cheapest 44.6767 $8.79 ₴22,338.35 −₴152.80
Revolut 44.3734 $0.00 ₴22,186.68 −₴304.47
Wise 44.6500 $10.24 ₴21,867.78 −₴623.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.0963 – ₴22,548.13
MoneyGram Cheapest 44.9054 $8.79 ₴22,452.70 −₴95.43
Wise 44.8000 $10.24 ₴21,941.25 −₴606.88
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 44.9868 – ₴22,493.42
MoneyGram Cheapest 44.8764 $8.79 ₴22,438.20 −₴55.22
Revolut 44.4874 $0.00 ₴22,243.70 −₴249.72
Wise 44.7500 $10.24 ₴21,916.76 −₴576.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.0305 – ₴22,515.25
MoneyGram Cheapest 44.8519 $8.79 ₴22,425.95 −₴89.30
Revolut 44.5242 $0.00 ₴22,262.10 −₴253.15
Wise 44.8000 $10.24 ₴21,941.25 −₴574.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.0403 – ₴22,520.14
MoneyGram Cheapest 44.8564 $8.79 ₴22,428.20 −₴91.94
Revolut 44.6034 $0.00 ₴22,301.68 −₴218.46
Wise 44.9000 $10.24 ₴21,990.22 −₴529.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.2398 – ₴22,619.90
MoneyGram Cheapest 45.0596 $8.79 ₴22,529.80 −₴90.10
Wise 45.0500 $10.24 ₴22,063.69 −₴556.21
Revolut 44.5129 $5.00 ₴22,033.86 −₴586.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.2398 – ₴22,619.90
MoneyGram Cheapest 45.0596 $8.79 ₴22,529.80 −₴90.10
Wise 45.0500 $10.24 ₴22,063.69 −₴556.21
Revolut 44.5129 $5.00 ₴22,033.86 −₴586.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.1737 – ₴22,586.83
MoneyGram Cheapest 45.0596 $8.79 ₴22,529.80 −₴57.03
Revolut 44.4971 $0.00 ₴22,248.56 −₴338.27
Wise 45.1500 $10.24 ₴22,112.66 −₴474.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.7549 – ₴22,877.46
MoneyGram Cheapest 45.3485 $8.79 ₴22,674.25 −₴203.21
Revolut 45.0226 $0.00 ₴22,511.30 −₴366.16
Wise 45.4000 $10.24 ₴22,235.10 −₴642.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.7356 – ₴22,867.79
MoneyGram Cheapest 45.3533 $8.79 ₴22,676.65 −₴191.14
Revolut 45.1102 $0.00 ₴22,555.12 −₴312.67
Wise 45.4500 $10.24 ₴22,259.59 −₴608.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.5266 – ₴22,763.31
MoneyGram Cheapest 45.3849 $8.79 ₴22,692.45 −₴70.86
Revolut 45.0035 $0.00 ₴22,501.72 −₴261.59
Wise 45.4000 $10.24 ₴22,235.10 −₴528.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.5539 – ₴22,776.95
MoneyGram Cheapest 45.3628 $8.79 ₴22,681.40 −₴95.54
Revolut 44.7788 $0.00 ₴22,389.39 −₴387.56
Wise 45.5000 $10.24 ₴22,284.08 −₴492.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.3000 – ₴22,649.98
MoneyGram Cheapest 45.1724 $8.79 ₴22,586.20 −₴63.78
Wise 45.4000 $10.24 ₴22,235.10 −₴414.88
Revolut 44.8184 $5.00 ₴22,185.10 −₴464.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.3000 – ₴22,649.98
MoneyGram Cheapest 45.1724 $8.79 ₴22,586.20 −₴63.78
Wise 45.4000 $10.24 ₴22,235.10 −₴414.88
Revolut 44.8184 $5.00 ₴22,185.10 −₴464.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.4856 – ₴22,742.81
MoneyGram Cheapest 45.1724 $8.79 ₴22,586.20 −₴156.61
Revolut 44.8140 $0.00 ₴22,406.97 −₴335.84
Wise 45.3500 $10.24 ₴22,210.62 −₴532.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.6504 – ₴22,825.19
MoneyGram Cheapest 45.4628 $8.79 ₴22,731.40 −₴93.79
Revolut 44.8318 $0.00 ₴22,415.89 −₴409.30
Wise 45.5300 $10.24 ₴22,298.77 −₴526.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.4120 – ₴22,706.02
MoneyGram Cheapest 45.4618 $8.79 ₴22,730.90 +₴24.88
Revolut 45.0133 $0.00 ₴22,506.63 −₴199.39
Wise 45.6500 $10.24 ₴22,357.54 −₴348.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.5335 – ₴22,766.76
MoneyGram Cheapest 45.3554 $8.79 ₴22,677.70 −₴89.06
Revolut 44.9772 $0.00 ₴22,488.61 −₴278.15
Wise 45.6500 $10.24 ₴22,357.54 −₴409.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.4748 – ₴22,737.39
MoneyGram Cheapest 45.2637 $8.79 ₴22,631.85 −₴105.54
Revolut 44.8045 $0.00 ₴22,402.23 −₴335.16
Wise 45.6000 $10.24 ₴22,333.06 −₴404.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.2970 – ₴22,648.50
MoneyGram Cheapest 45.1441 $8.79 ₴22,572.05 −₴76.45
Wise 45.5400 $10.24 ₴22,303.67 −₴344.83
Revolut 44.7536 $5.00 ₴22,153.01 −₴495.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.3935 – ₴22,696.74
MoneyGram Cheapest 45.1441 $8.79 ₴22,572.05 −₴124.69
Wise 45.5400 $10.24 ₴22,303.67 −₴393.07
Revolut 44.7536 $5.00 ₴22,153.01 −₴543.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.3715 – ₴22,685.75
MoneyGram Cheapest 45.1441 $8.79 ₴22,572.05 −₴113.70
Revolut 44.7491 $0.00 ₴22,374.56 −₴311.19
Wise 45.5400 $10.24 ₴22,303.67 −₴382.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 45.4378 – ₴22,718.90
MoneyGram Cheapest 45.2980 $8.79 ₴22,649.00 −₴69.90
Revolut 45.0054 $0.00 ₴22,502.68 −₴216.22
Wise 45.4000 $10.24 ₴22,235.10 −₴483.80

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send $500, after fees, as quoted by each company. The mid-market line shows what $500 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/UAH 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 UAH 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 1 of the last 30 days.

Right now, MoneyGram pays 22,649 UAH on 500 USD, which is 69.90 UAH less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 22,731.40 UAH.

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 Ukraine.

We've tracked 240 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. MoneyGramAppeared in 236 comparisons

    Cheapest in 42% of them

  2. RevolutAppeared in 232 comparisons

    Cheapest in 1% of them

  3. WiseAppeared in 30 comparisons

    Never the cheapest

Based on 240 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 MoneyGram is the cheapest and gets you the most UAH, but it was the cheapest in only 42% of the 236 comparisons it appeared in over the past month.

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

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

Ways to send money from the US to Ukraine

There are 6 companies available for sending money from the US to Ukraine, across app, online, in person, multi-currency account, global business account, SNPL, and digital wallet, 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.

MoneyGram charges $8.79 on a $500 transfer with 0.31% markup, saves your recipient's details for next time, and UAH arrives in minutes - 24 hours.

Over the past month, MoneyGram was the cheapest app on 100% of the days it appeared for $500 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 $500 to a MoneyGram agent in the US, and your recipient will get 22,649 UAH 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 transfers before payday

Send now, pay later

Remitly offers an SNPL option called Remitly Flex for transfer from the US to Ukraine.

It comes with Remitly One subscription ($9.99/month) and lets you send up to $250 USD instantly with 0% interest.

You will need to repay within 4 weeks, which is good for urgent transfers right before your payday.

However, if you have USD to send now, a money transfer service like MoneyGram will get you more UAH (₴22,649) without any subscription costs.

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 Ukraine.

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

On a $500 transfer, you will get 22,649 UAH after a $8.79 fee and 0.31% 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 transfers over $10,000 to Ukraine, currency brokers like TorFX and Regency FX are the best.

It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).

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 Revolut is the best for holding and receiving UAH.

This is useful for traveling to Ukraine, building up UAH balance, or receiving payments in UAH.

Revolut converts $500 at 0.96% markup plus small fee and holds the UAH until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 79% of days.

Ways to fund USD and receive UAH in Ukraine

With MoneyGram, paying by cash deposit and receiving through cash pickup is the cheapest combination. Sending $500 gives your recipient 22,649 UAH.

Deposit USD by bank transfer, debit card, credit card, cash deposit, remitly wallet, and PayPal.

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 Ukraine.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $500.

MoneyGram is the cheapest option and will get you 22,649 UAH on a $500 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 and Cash App only send money within the US, so neither can send money to Ukraine.

Venmo now sends money internationally to PayPal users in 90+ countries.

Your recipient in Ukraine can collect UAH through bank deposit, cash pickup, and card deposit.

They can collect cash in Ukraine

Your recipient can collect UAH from a participating MoneyGram location in Ukraine.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

  1. 1
    Cash deposit Cash pickup

    You pay $508.79

    ₴22,649

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay $500.00

    ₴22,503

    -₴146

  3. 3
    Bank transfer Cash pickup

    You pay $514.00

    ₴22,434

    -₴215

  4. 4
    Debit card Cash pickup

    You pay $510.99

    ₴22,434

    -₴215

  5. 5
    Credit card Cash pickup

    You pay $522.49

    ₴22,434

    -₴215

Show moreShow less
  1. 6
    Debit card Bank deposit

    You pay $500.00

    ₴22,235

    -₴414

  2. 7
    Credit card Bank deposit

    You pay $500.00

    ₴22,174

    -₴475

  3. 8
    Remitly wallet Bank deposit

    You pay $500.49

    ₴22,035

    -₴614

  4. 9
    Bank transfer Card deposit

    You pay $500.00

    ₴22,020

    -₴629

  5. 10
    Debit card Card deposit

    You pay $500.00

    ₴22,020

    -₴629

  6. 11
    Credit card Card deposit

    You pay $500.00

    ₴22,020

    -₴629

  7. 12
    PayPal Bank deposit

    You pay $500.00

    ₴22,020

    -₴629

  8. 13
    PayPal Card deposit

    You pay $500.00

    ₴22,020

    -₴629

Things to consider before sending USD to Ukraine

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/UAH company

Cheapest way to send money to Ukraine

The cheapest option is MoneyGram, funded by cash deposit with cash pickup for the payout. Your recipient gets 22,649 UAH, which is 0.65% more than the next best option.

Fastest way to send money to Ukraine

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 22,502.68 UAH, with the money arriving in within 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 Ukraine?

For transfers over $10,000, is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Ukraine.

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

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Ukraine and the 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 240 comparisons across 8 amounts.

This page covers the cheapest and fastest options for USD/UAH 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.