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

We compared 5 companies sending money from the United States to Vanuatu. Regency FX is the best and cheapest, while Regency FX is the fastest.

Sending $7,000 with Regency FX gets your recipient 830,636.48 VUV at 118.6624 VUV per USD.

Best companies for USD/VUV transfers

5 of 5 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/VUV transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $470.49 1 USD = 119.2000 VUV -0.18% vs mid-market Recipient gets VUV 778,318.00 Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$470.491 USD = 119.2000 VUV
VUV 778,318.00You pay$7,000.00
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 110.4558 VUV +7.43% vs mid-market Recipient gets VUV 773,190.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Vanuatu with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 110.4558 VUV
VUV 773,190.60You pay$7,000.00

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Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 118.6624 VUV +0.27% vs mid-market Recipient gets VUV 830,636.48 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 118.6624 VUV
VUV 830,636.48You pay$7,000.00

OFX

Pay via Bank transfer
Fee $0.00 1 USD = 118.3887 VUV +0.50% vs mid-market Recipient gets VUV 828,720.84 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in Vanuatu with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 118.3887 VUV
VUV 828,720.84You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 116.4141 VUV +2.18% vs mid-market Recipient gets VUV 814,898.70 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$60.791 USD = 116.4141 VUV
VUV 814,898.70You pay$7,060.79
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $5.99 1 USD = 115.2382 VUV +3.20% vs mid-market Recipient gets VUV 806,667.40 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$5.991 USD = 115.2382 VUV
VUV 806,667.40You pay$7,005.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$1.991 USD = 112.1300 VUV
VUV 784,910.00You pay$7,001.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $75.99 1 USD = 115.2382 VUV +3.20% vs mid-market Recipient gets VUV 806,667.40 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$75.991 USD = 115.2382 VUV
VUV 806,667.40You pay$7,075.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$0.991 USD = 112.1259 VUV
VUV 784,881.30You pay$7,000.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $179.99 1 USD = 115.2382 VUV +3.20% vs mid-market Recipient gets VUV 806,667.40 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$179.991 USD = 115.2382 VUV
VUV 806,667.40You pay$7,179.99
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
$210.001 USD = 112.1259 VUV
VUV 784,881.30You pay$7,210.00

Wise

Pay via Bank transfer
Fee $470.49 1 USD = 119.2000 VUV -0.18% vs mid-market Recipient gets VUV 778,318.00 Within a week
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$470.491 USD = 119.2000 VUV
VUV 778,318.00You pay$7,000.00

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 110.4558 VUV +7.43% vs mid-market Recipient gets VUV 773,190.60 Minutes - 24 hours
Fastest
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Vanuatu with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 110.4558 VUV
VUV 773,190.60You pay$7,000.00

Xe

Pay via Debit card
Fee $35.00 1 USD = 110.4558 VUV +7.43% vs mid-market Recipient gets VUV 769,324.65 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Vanuatu with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 110.4558 VUV
VUV 769,324.65You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 110.4558 VUV +7.43% vs mid-market Recipient gets VUV 749,994.88 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Vanuatu with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 110.4558 VUV
VUV 749,994.88You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 118.9836 VUV Updates every 60 minutes.

How to send money from US to Vanuatu

Pick a company

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

Regency FX was the cheapest on 19 of the 30 days it quoted $7,000 transfers to Vanuatu.

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

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 Vanuatu, 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 Vanuatu?

How much USD you send to Vanuatu 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 73% of the transfers from $5,000 it quoted, and in 73% of all the transfers it quoted.

Cheapest service
$5000.65%$0.00VUV 59,105.11with bank transfer to bank deposit+VUV 2,252.07
$2,0000.65%$0.00VUV 236,420.43with bank transfer to bank deposit+VUV 10,210.98
$5,0000.50%$0.00VUV 591,943.46with bank transfer to bank deposit+VUV 21,592.83
$7,000This page0.27%$0.00VUV 830,636.48with bank transfer to bank deposit+VUV 34,127.84
$10,0000.27%$0.00VUV 1,186,623.54with bank transfer to bank deposit+VUV 48,690.05
$50,0000.25%$0.00VUV 5,934,307.55with bank transfer to bank deposit+VUV 144,482.67
$100,0000.20%$0.00VUV 11,874,564.28with bank transfer to bank deposit+VUV 293,851.21
$250,0000.20%$0.00VUV 29,686,410.70with bank transfer to bank deposit+VUV 734,307.32

Mid-market rate: 1 USD = 118.9836 VUV

USD/VUV Exchange Rate History

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

The cheapest way to send USD to VUV 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 Vanuatu.

VUV received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rateVUV 832,885.27 Regency FX VUV 830,636.48Regency FXVUV 830,636.48OFXVUV 828,720.84MoneyGramVUV 814,898.70

810,000
815,000
820,000
825,000
830,000
835,000
840,000
845,000
At the mid-market rateWith the cheapest optionRegency FXOFXMoneyGram
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.9165 – VUV 832,415.81
Regency FX Cheapest 118.5955 $0.00 VUV 830,168.29 −VUV 2,247.52
OFX 118.3220 $0.00 VUV 828,253.73 −VUV 4,162.08
MoneyGram 116.4141 $60.79 VUV 814,898.70 −VUV 17,517.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.0083 – VUV 833,058.00
Regency FX Cheapest 118.6870 $0.00 VUV 830,808.74 −VUV 2,249.26
OFX 118.4132 $0.00 VUV 828,892.71 −VUV 4,165.29
MoneyGram 116.3597 $60.79 VUV 814,517.90 −VUV 18,540.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.7478 – VUV 838,234.93
MoneyGram Cheapest 119.7702 $60.79 VUV 838,391.40 +VUV 156.47
Regency FX 119.4245 $0.00 VUV 835,971.69 −VUV 2,263.24
OFX 119.1491 $0.00 VUV 834,043.75 −VUV 4,191.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 120.0843 – VUV 840,590.16
MoneyGram Cheapest 120.0177 $60.79 VUV 840,123.90 −VUV 466.26
Regency FX 119.7601 $0.00 VUV 838,320.56 −VUV 2,269.60
OFX 119.4839 $0.00 VUV 836,387.21 −VUV 4,202.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.8336 – VUV 838,835.24
MoneyGram Cheapest 120.0177 $60.79 VUV 840,123.90 +VUV 1,288.67
Regency FX 119.5101 $0.00 VUV 836,570.38 −VUV 2,264.85
OFX 119.2344 $0.00 VUV 834,641.06 −VUV 4,194.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.5821 – VUV 837,074.55
MoneyGram Cheapest 120.0177 $60.79 VUV 840,123.90 +VUV 3,049.35
Regency FX 119.2592 $0.00 VUV 834,814.45 −VUV 2,260.10
OFX 118.9842 $0.00 VUV 832,889.18 −VUV 4,185.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.5821 – VUV 837,074.55
MoneyGram Cheapest 120.0177 $60.79 VUV 840,123.90 +VUV 3,049.35
Regency FX 119.2592 $0.00 VUV 834,814.45 −VUV 2,260.10
OFX 118.9842 $0.00 VUV 832,889.18 −VUV 4,185.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.4602 – VUV 836,221.19
MoneyGram Cheapest 120.0177 $60.79 VUV 840,123.90 +VUV 3,902.71
Regency FX 119.1376 $0.00 VUV 833,963.39 −VUV 2,257.80
OFX 118.8629 $0.00 VUV 832,040.08 −VUV 4,181.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 120.2757 – VUV 841,929.79
Regency FX Cheapest 119.9509 $0.00 VUV 839,656.58 −VUV 2,273.21
MoneyGram 119.8692 $60.79 VUV 839,084.40 −VUV 2,845.39
OFX 119.6743 $0.00 VUV 837,720.14 −VUV 4,209.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 120.1824 – VUV 841,276.89
MoneyGram Cheapest 119.9682 $60.79 VUV 839,777.40 −VUV 1,499.49
Regency FX 119.8579 $0.00 VUV 839,005.44 −VUV 2,271.45
OFX 119.5815 $0.00 VUV 837,070.51 −VUV 4,206.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 120.0495 – VUV 840,346.73
MoneyGram Cheapest 119.9682 $60.79 VUV 839,777.40 −VUV 569.33
Regency FX 119.7254 $0.00 VUV 838,077.79 −VUV 2,268.94
OFX 119.4493 $0.00 VUV 836,145.00 −VUV 4,201.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 120.0104 – VUV 840,072.93
MoneyGram Cheapest 119.9682 $60.79 VUV 839,777.40 −VUV 295.53
Regency FX 119.6864 $0.00 VUV 837,804.74 −VUV 2,268.19
OFX 119.4104 $0.00 VUV 835,872.57 −VUV 4,200.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.3713 – VUV 835,599.44
MoneyGram Cheapest 119.9682 $60.79 VUV 839,777.40 +VUV 4,177.96
Regency FX 119.0490 $0.00 VUV 833,343.32 −VUV 2,256.12
OFX 118.7745 $0.00 VUV 831,421.44 −VUV 4,178.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.7547 – VUV 838,282.60
MoneyGram Cheapest 119.9682 $60.79 VUV 839,777.40 +VUV 1,494.80
Regency FX 119.4313 $0.00 VUV 836,019.24 −VUV 2,263.36
OFX 119.1559 $0.00 VUV 834,091.19 −VUV 4,191.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.0520 – VUV 833,363.89
Regency FX Cheapest 118.7305 $0.00 VUV 831,113.81 −VUV 2,250.08
OFX 118.4567 $0.00 VUV 829,197.07 −VUV 4,166.82
MoneyGram 116.8151 $60.79 VUV 817,705.70 −VUV 15,658.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.3727 – VUV 835,608.80
Regency FX Cheapest 119.0504 $0.00 VUV 833,352.65 −VUV 2,256.15
OFX 118.7758 $0.00 VUV 831,430.75 −VUV 4,178.05
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.6896 – VUV 837,827.28
Regency FX Cheapest 119.3664 $0.00 VUV 835,565.14 −VUV 2,262.14
OFX 119.0912 $0.00 VUV 833,638.14 −VUV 4,189.14
MoneyGram 116.7359 $60.79 VUV 817,151.30 −VUV 20,675.98
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.4368 – VUV 836,057.55
Regency FX Cheapest 119.1143 $0.00 VUV 833,800.20 −VUV 2,257.35
OFX 118.8396 $0.00 VUV 831,877.26 −VUV 4,180.29
MoneyGram 116.8448 $60.79 VUV 817,913.60 −VUV 18,143.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.7572 – VUV 838,300.43
Regency FX Cheapest 119.4339 $0.00 VUV 836,037.02 −VUV 2,263.41
OFX 119.1584 $0.00 VUV 834,108.93 −VUV 4,191.50
MoneyGram 117.1170 $60.79 VUV 819,819.00 −VUV 18,481.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.3859 – VUV 835,700.99
Regency FX Cheapest 119.0635 $0.00 VUV 833,444.60 −VUV 2,256.39
OFX 118.7889 $0.00 VUV 831,522.49 −VUV 4,178.50
MoneyGram 117.1170 $60.79 VUV 819,819.00 −VUV 15,881.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.9723 – VUV 832,806.31
Regency FX Cheapest 118.6511 $0.00 VUV 830,557.73 −VUV 2,248.58
OFX 118.3775 $0.00 VUV 828,642.28 −VUV 4,164.03
MoneyGram 117.1170 $60.79 VUV 819,819.00 −VUV 12,987.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.3581 – VUV 835,506.46
Regency FX Cheapest 119.0358 $0.00 VUV 833,250.59 −VUV 2,255.87
OFX 118.7613 $0.00 VUV 831,328.93 −VUV 4,177.53
MoneyGram 116.8349 $60.79 VUV 817,844.30 −VUV 17,662.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.1360 – VUV 833,952.22
Regency FX Cheapest 118.8144 $0.00 VUV 831,700.55 −VUV 2,251.67
OFX 118.5404 $0.00 VUV 829,782.46 −VUV 4,169.76
MoneyGram 116.6765 $60.79 VUV 816,735.50 −VUV 17,216.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.1360 – VUV 833,952.22
Regency FX Cheapest 118.8144 $0.00 VUV 831,700.55 −VUV 2,251.67
OFX 118.5404 $0.00 VUV 829,782.46 −VUV 4,169.76
MoneyGram 116.5082 $60.79 VUV 815,557.40 −VUV 18,394.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.9281 – VUV 832,496.40
Regency FX Cheapest 118.6070 $0.00 VUV 830,248.66 −VUV 2,247.74
OFX 118.3334 $0.00 VUV 828,333.92 −VUV 4,162.48
MoneyGram 116.2953 $60.79 VUV 814,067.10 −VUV 18,429.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 119.0744 – VUV 833,521.08
Regency FX Cheapest 118.7529 $0.00 VUV 831,270.57 −VUV 2,250.51
OFX 118.4791 $0.00 VUV 829,353.47 −VUV 4,167.61
MoneyGram 116.4042 $60.79 VUV 814,829.40 −VUV 18,691.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.6230 – VUV 830,360.97
Regency FX Cheapest 118.3027 $0.00 VUV 828,119.00 −VUV 2,241.97
OFX 118.0299 $0.00 VUV 826,209.17 −VUV 4,151.80
MoneyGram 116.4042 $60.79 VUV 814,829.40 −VUV 15,531.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.7916 – VUV 831,541.17
Regency FX Cheapest 118.4709 $0.00 VUV 829,296.01 −VUV 2,245.16
OFX 118.1976 $0.00 VUV 827,383.47 −VUV 4,157.70
MoneyGram 116.4042 $60.79 VUV 814,829.40 −VUV 16,711.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.7432 – VUV 831,202.59
Regency FX Cheapest 118.4226 $0.00 VUV 828,958.34 −VUV 2,244.25
OFX 118.1495 $0.00 VUV 827,046.58 −VUV 4,156.01
MoneyGram 116.2458 $60.79 VUV 813,720.60 −VUV 17,481.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.9836 – VUV 832,885.27
Regency FX Cheapest 118.6624 $0.00 VUV 830,636.48 −VUV 2,248.79
OFX 118.3887 $0.00 VUV 828,720.84 −VUV 4,164.43
MoneyGram 116.4141 $60.79 VUV 814,898.70 −VUV 17,986.57

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/VUV 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 VUV 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 7 of the last 30 days.

Right now, Regency FX pays 830,636.48 VUV on 7,000 USD, which is 2,248.79 VUV less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 840,123.9 VUV.

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 Vanuatu.

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 in 73% of them

  2. OFXAppeared in 207 comparisons

    Cheapest in 26% of them

  3. MoneyGramAppeared in 204 comparisons

    Cheapest in 33% 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 VUV, and it was also the cheapest in 73% of the 117 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Vanuatu.

OFX (today's second cheapest) was the cheapest in only 26% of its comparisons, so it's rarely the cheapest option for transfers to Vanuatu.

Ways to send money from the US to Vanuatu

There are 5 companies available for sending money from the US to Vanuatu, across broker, online, app, 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.

MoneyGram charges $60.79 on a $7,000 transfer with 2.18% markup, saves your recipient's details for next time, and VUV arrives in minutes - 24 hours.

Over the past month, MoneyGram 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 814,898.7 VUV 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 Vanuatu.

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

On a $7,000 transfer, you will get 814,898.7 VUV after a $60.79 fee and 2.18% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 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 Vanuatu (e.g. a property purchase, tuition, or moving to Vanuatu), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/VUV 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 VUV.

This is useful for traveling to Vanuatu, building up VUV balance, or receiving payments in VUV.

Wise converts $7,000 at -0.18% markup plus small fee and holds the VUV 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 VUV in Vanuatu

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 830,636.48 VUV.

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 Vanuatu.

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 814,898.7 VUV 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 Vanuatu.

Your recipient in Vanuatu can collect VUV through bank deposit, cash pickup, and mobile wallet.

They can collect cash in Vanuatu

Your recipient can collect VUV from a participating MoneyGram location in Vanuatu.

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

    VT830,636

    Cheapest

  2. 2
    Cash deposit Cash pickup

    You pay $7,060.79

    VT814,899

    -VT15,738

  3. 3
    Bank transfer Cash pickup

    You pay $7,005.99

    VT806,667

    -VT23,969

  4. 4
    Debit card Cash pickup

    You pay $7,075.99

    VT806,667

    -VT23,969

  5. 5
    Credit card Cash pickup

    You pay $7,179.99

    VT806,667

    -VT23,969

Show moreShow less
  1. 6
    Bank transfer Mobile wallet

    You pay $7,001.99

    VT784,910

    -VT45,726

  2. 7
    Debit card Mobile wallet

    You pay $7,000.99

    VT784,881

    -VT45,755

  3. 8
    Credit card Mobile wallet

    You pay $7,210.00

    VT784,881

    -VT45,755

  4. 9
    Debit card Bank deposit

    You pay $7,000.00

    VT769,325

    -VT61,312

  5. 10
    Credit card Bank deposit

    You pay $7,000.00

    VT749,995

    -VT80,642

Things to consider before sending USD to Vanuatu

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/VUV company

Cheapest way to send money to Vanuatu

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 830,636.48 VUV, which is 0.23% more than the next best option.

Fastest way to send money to Vanuatu

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 830,636.48 VUV, 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 Vanuatu?

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

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

While Wise may not always be the cheapest or fastest way to send VUV, 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 Vanuatu 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/VUV 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.