Sending money to the United States? Whether you’re supporting family, paying for services, or transferring business funds, getting a great exchange rate and avoiding hidden fees can make a big difference.
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At BestExchangeRates.com, we help you compare the best international money transfer providers so you can send USD to the U.S. confidently and cost-effectively.
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| Provider | Rate | Fees | Speed | You Send | Recipient Gets |
|---|---|---|---|---|---|
| Wise | 1 USD = 1.00 USD | Low, transparent | Same day to 1 day | €1,000 | ~$1,080 |
| OFX | 1 USD = 1.01 USD | Fee-free over limits | 1–2 days | €1,000 | ~$1,090 |
| Western Union | 1 USD = 0.98 USD | High | Minutes (cash) | €1,000 | ~$1,030 |
Note: Rates are examples and may change. Always compare live rates before sending.
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• Real exchange rate (mid-market)
• Low, upfront fees
• Bank-to-bank transfers
• Best for personal or small business transfers
• Great for larger transfers (fee-free over ~$10,000)
• 24/7 phone support
• Lock in rates for future transfers
• Business account options available
• Cash pickup and mobile money in minutes
• Low transfer amounts supported
• More options than traditional banks
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Banks and traditional remittance companies often build hidden margins into the exchange rate — sometimes costing you up to 5% more.
Using an online money transfer service can help you:
• Lock in better USD exchange rates
• Track transfers in real-time
• Save up to 90% on fees
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To transfer money to the U.S., you’ll usually need:
• The recipient’s full name and bank account details (IBAN/SWIFT not needed for domestic U.S. banks)
• A debit card, bank account, or balance to fund your transfer
• Your ID if sending a large amount or using a regulated provider
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• Supporting family and friends
• Paying for education or medical expenses
• Funding U.S. property purchases
• Paying freelancers or suppliers
• Sending money for emergency aid
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Set a rate alert to watch for better USD rates before sending your money.
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• Compare fees + exchange rate margin – both affect what the recipient gets
• Watch for minimum transfer amounts – some services (like OFX) require ~$250 or more
• Consider urgency – Wise and Revolut are faster for bank transfers; Western Union is best for urgent cash
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Sending money to the U.S. doesn’t have to be expensive. By comparing your options with BestExchangeRates.com, you can save significantly and ensure your funds arrive quickly and securely.
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