Send Money from the USA to Cambodia

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 Cambodian riels rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are Wing, bank deposit, cash pickup, airtime top-up and mobile wallet. The most widely used options in Cambodia are the Wing wallet, bank deposit and cash pickup. Cambodia is heavily dollarised — US dollars circulate alongside the riel for most larger transactions, so a dollar transfer may involve little or no conversion. Not every provider supports every method, so check the table above before you commit.

No. Remitly, WorldRemit, Western Union, Xoom and Ria Money Transfer offer cash pickup in Cambodia, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, the Wing wallet, bank deposit and cash pickup 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 KHR, 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.

Treat the Wise row on this page with care. Wise's support centre does not list this destination among the countries it can send to, and answers that gap directly: a recipient in a country off the list can be reached "if their account is denominated in USD, EUR or GBP". Wise's marketing page for this same corridor says the opposite — that the recipient is paid in local currency from a Wise local bank account — but that sentence is templated and appears word for word on destinations that are on the list and destinations that are not. The pricing points the same way as the support centre: across the corridors on this site the median Wise fee is about 1 percent of the amount sent where the currency is on its supported list, against about 4.5 percent where it is missing. The figure shown here is real; what is not settled is whether the money can arrive as local currency. Confirm that with Wise before relying on it. Cambodia is heavily dollarised — US dollars circulate widely alongside the riel and are used for most larger transactions. A USD transfer may involve little or no conversion, which changes how you should compare costs: focus on the fee rather than the exchange rate. Wing is the dominant mobile wallet and is integrated with most major providers, making it the practical default for recipients without a bank account. A 1% US federal excise tax applies to remittance transfers funded with cash, a money order or a cashier's check, effective January 2026. Transfers funded from a bank account, debit card or credit card are not subject to it — so how you pay can change the total cost. Cambodia has put de-dollarization back on the policy agenda in 2026: the Association of Banks in Cambodia is targeting at least 25% of banking-sector salaries paid in riel this year, as a first step toward a three-to-four-year shift away from dollar wages, with the National Bank of Cambodia and UNDP framing it as a way to build confidence in the riel and reduce exposure to dollar swings. It is a slow, gradual push — starting with public payments like taxes and utilities before private wages — so it should not change how USD transfers work here any time soon, but it is the direction policy is moving.