Send Money from the USA to Jamaica

Measured on the full cost — the transfer fee plus the exchange-rate margin — Western Union is cheapest on this corridor at $1,000, across the 3 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Jamaican dollars rather than the headline fee.

At $1,000, Western Union is the cheapest of the 3 providers priced at that amount on this corridor: about $27.39 all in, or 2.74% of the amount sent. Xoom is next at about $35.40. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at $1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Boss Money 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 bank deposit, cash pickup, card payout and mobile wallet. The most widely used options in Jamaica are cash pickup and bank deposit. Cash pickup dominates in Jamaica, and some providers let recipients collect in either Jamaican or US dollars. Not every provider supports every method, so check the table above before you commit.

No. Remitly, Taptap Send, Western Union, Xoom, Xe Money Transfer and Boss Money offer cash pickup in Jamaica, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, cash pickup and bank deposit 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 JMD, 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. Wise now pays out in Jamaican dollars directly - the older restriction to USD-denominated Jamaican accounts no longer matches its published page. Western Union publishes very different caps by method: the USD equivalent of 955,000 Jamaican dollars to a bank account, but 5,000 USD for cash pickup, and up to 500k JMD to the GK One wallet. Taptap Send caps JMD bank transfers at 155,000 JMD and USD bank transfers at 2,500 USD, with no limit published on its other methods. Bank-deposit speed is the real differentiator here: Taptap Send quotes 30 minutes, Revolut 3 to 5 business days, and Xoom three business days. Cash networks are small on this corridor - Xoom publishes 202 pickup locations and Western Union more than 200, an order of magnitude below Latin American corridors. Sendwave lists Jamaica among its destinations but publishes no fees, methods or delivery times outside the app, so its row cannot be compared on the same basis as the others. The US federal 1% excise tax on remittance transfers (effective January 2026) applies only to cash, money order or cashier's check funding. Xoom states its transfers are not subject to it because it does not accept cash. Jamaica took US$1.78 billion in remittances in the first half of 2026, up 4.2% year over year, with a particularly strong June (US$292.8 million net, up 9.3%). The US supplies about two-thirds of that, well ahead of the UK (10.8%), Canada (9.3%) and the Cayman Islands (6.3%). The Jamaican dollar has held fairly steady rather than sliding — it traded around J$157 to the US dollar in early 2026, actually stronger than the 2025 average of J$159.83, and the Bank of Jamaica has been managing foreign-exchange market conditions rather than letting the rate swing freely, so this corridor has not seen the currency volatility some of its regional peers have. Revolut's US list of supported currencies for outgoing transfers does not include JMD, and Revolut publishes no US page for Jamaica. A transfer from a US Revolut account goes by SWIFT, where intermediary banks may deduct charges, and Revolut's US pages do not confirm this route specifically, so check it in the app before relying on it (October 2026).