Send Money from the USA to Myanmar

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 Myanmar kyats 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. Western Union 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, mobile wallet and card payout. The most widely used options in Myanmar are bank deposit to private commercial banks, the KBZPay wallet and cash pickup. US providers route through private banks rather than the state-linked institutions designated in 2023, and KBZPay rather than the domestically larger Wave Money. Not every provider supports every method, so check the table above before you commit.

No. Remitly, Western Union and Ria Money Transfer offer cash pickup in Myanmar, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit to private commercial banks, the KBZPay wallet 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 MMK, 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.

Myanmar does not appear on Wise's list of supported destinations. Myanmar is absent from WorldRemit's published destination list. Myanmar is absent from Xoom's destination list. Myanmar is not among Taptap Send's supported destinations. If you already use those services, you will need an alternative from the comparison table above for this corridor.

US sanctions on Myanmar target named entities rather than the country as a whole. Two state-linked banks — Myanma Foreign Trade Bank and Myanma Investment and Commercial Bank — were designated in June 2023, and a financial-services prohibition covering the state oil and gas enterprise took effect in December 2023. The providers listed here route through private commercial banks such as CB Bank, KBZ Bank and United Amara Bank rather than the designated institutions. We describe the published designations here; we are not offering a view on what any individual transfer is permitted to do, and you should check OFAC's current Burma guidance yourself. The kyat has depreciated heavily since 2021, from roughly 1,850 to the US dollar before the coup to around 4,400 on the black market as of September 2026 — but the Central Bank of Myanmar's own official reference rate has stayed frozen near 2,094 for over a year, roughly half the real market rate. That gap is the key thing to understand: if a provider's payout quietly tracks the official peg rather than the market rate, your recipient gets far less real purchasing power than the transfer amount implies. KBZPay is the mobile wallet actually supported by US providers on this corridor. Wave Money is Myanmar's largest mobile money platform domestically, but no international provider checked lists it as an inbound payout option. 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. Ria accepts transfers between 1 and 14,999.99 USD on this corridor. Its 600,000+ location figure is Ria's global network, not a Myanmar count - neither Ria nor Western Union publishes a Myanmar-specific agent number.