Send Money from the USA to Bulgaria

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Bulgarian levs rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Xoom can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are Eurobank, Bulgarian-American Credit Bank, NLB West-East Bank, bank deposit, card payout, cash pickup and mobile wallet. The most widely used options in Bulgaria are bank deposit, cash pickup and mobile-wallet payout (EasyPay, ePay.bg). Bulgaria uses the lev, not the euro, despite EU membership — do not assume eurozone pricing or payout applies here. Not every provider supports every method, so check the table above before you commit.

No. Remitly, Western Union, Xoom and Ria Money Transfer offer cash pickup in Bulgaria, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit, cash pickup and mobile-wallet payout (EasyPay, ePay.bg) generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For USD to BGN, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in the USA under FinCEN and state money-transmitter licences, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly $10,000, a specialist foreign-exchange broker will often beat an app on rate.

Wise's own Bulgaria page states it is working to allow BGN transfers to Bulgaria from the US but this is not yet available (wishlist signup only) — direct BGN payout is not currently live. WorldRemit publishes no Bulgaria destination page - https://www.worldremit.com/en-us/bulgaria returns its generic homepage - and Bulgaria does not appear on its destination list. If you already use those services, you will need an alternative from the comparison table above for this corridor.

Bulgaria adopted the euro on 1 January 2026 at a fixed rate of 1.95583 lev per euro, and the lev stopped being legal tender for payments on 1 February 2026 — so every provider here now pays out in euro, not lev. Providers listed above with lev-era payout details (named partner banks, fee structures) should be re-checked for post-changeover accuracy; lev cash can still be exchanged for euro free of charge at the Bulgarian National Bank, and at commercial banks and post offices (which may start charging a fee after 30 June 2026). Wise does not currently support direct BGN bank payouts to Bulgaria from the US. Paysend, Revolut, MoneyGram, Sendwave and Taptap Send were not independently checked for this corridor this round before the session's WebSearch budget was exhausted.