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Send money to Guatemala
USD
GTQ|Updated recentlyMid-market 7.6235Cheapest todayof 13 providers
Xoom (PayPal)
Rate 7.7699 · Fee $3.49
You send
$1,000
Recipient gets
Q7,743
Q280 more than the most expensive provider
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money to Guatemala in May 2026 is Xoom (PayPal), which delivers 7,742.75 GTQ on a 1,000 USD transfer with a fee of $3.49 and an exchange rate of 7.7699. According to SendMoneyCompare's comparison of 13 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 285 GTQ.
Last reviewed: by Awais Imran, Reviews Editor
↓
Rates are low right now
0th percentile
Based on 60 days of data (2026-03-13 to 2026-05-20)
Today's best
Q760
TapTap Send
60-day avg
1 USD = 7.66 GTQ
Best rate
7.80
2026-04-13 · Xoom (PayPal)
Worst rate
7.60
2026-05-16 · TapTap Send
What is the cheapest way to send USD to GTQ?
Sending $1,000 from to Guatemala. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 7.7699·Fee $3.49
Rate up 1.9%
↑ 1.9% over 60dAvg: 7.73 GTQ (+0.5% vs avg)Range: 7.61–7.80
1
Xoom (PayPal)Best value
Minutes to 3 days
Rate up 1.9%
↑ 1.9% over 60dAvg: 7.73 GTQ (+0.5% vs avg)Range: 7.61–7.80
7.7699
$3.49
Q7,742.75
Rate 7.5999·Fee Free·0.31% markup
Most stable rate
→ 0.0% over 7dAvg: 7.60 GTQRange: 7.60–7.60
2
Under 3 minutes (95% of transfers)0.31% markup
Most stable rate
→ 0.0% over 7dAvg: 7.60 GTQRange: 7.60–7.60
7.5999
Free
Q7,599.86
Rate 7.5892·Fee $1.99·0.45% markup
↓ 0.1% over 7dAvg: 7.59 GTQ (-0.1% vs avg)Range: 7.59–7.59
3
7.5892
$1.99
Q7,574.08
Rate 7.5671·Fee Free·0.74% markup
↓ 0.8% over 50dAvg: 7.59 GTQ (-0.3% vs avg)Range: 7.57–7.62
4
7.5671
Free
Q7,567.08
Rate 7.5694·Fee $1.50·0.71% markup
→ 0.0% over 7dAvg: 7.57 GTQRange: 7.56–7.57
Rate 7.5602·Fee $1.99·0.83% markup
→ 0.0% over 7dAvg: 7.56 GTQRange: 7.56–7.57
Rate 7.5511·Fee $0.99·0.95% markup
→ 0.0% over 7dAvg: 7.56 GTQ (-0.1% vs avg)Range: 7.55–7.56
7
7.5511
$0.99
Q7,543.59
Rate 7.5564·Fee $1.99·0.88% markup
→ 0.0% over 7dAvg: 7.56 GTQRange: 7.56–7.56
Rate 7.5366·Fee $2.99·1.14% markup
1.2% markup
↓ 0.1% over 7dAvg: 7.53 GTQRange: 7.53–7.53
9
7.5366
$2.99
Q7,514.05
Rate 7.5290·Fee $1.99·1.24% markup
↓ 0.1% over 7dAvg: 7.53 GTQRange: 7.53–7.53
Rate 7.5305·Fee $2.90·1.22% markup
Best rate 26 of 60 days
↓ 0.5% over 54dAvg: 7.56 GTQ (-0.4% vs avg)Range: 7.53–7.56
11
Minutes to 2 days1.22% markup
Best rate 26 of 60 days
↓ 0.5% over 54dAvg: 7.56 GTQ (-0.4% vs avg)Range: 7.53–7.56
7.5305
$2.90
Q7,508.65
Rate 7.6204·Fee $17.14·0.04% markup
↓ 0.5% over 60dAvg: 7.64 GTQ (-0.3% vs avg)Range: 7.62–7.66
12
7.6204
$17.14
Q7,489.83
Potential savings: Choosing the best provider over the most expensive saves your recipient Q284.95 on a $1,000 transfer.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Guatemala is one of the most remittance-dependent economies in the world — remittances exceeded $21 billion in 2023, representing over 20% of GDP and more than the entire agricultural sector. The vast majority of transfers come from Guatemalans living in the United States, and the USD-to-GTQ corridor has dozens of competing providers, especially for cash pickup at local banks and agents.
- Cash pickup and bank deposit are both widely used. Banrural and Banco Industrial have the largest agent networks across all 22 departments, including rural highland communities.
- The GTQ (Guatemalan quetzal) is a managed-float currency with a relatively narrow band. It has stayed in the Q7.5–Q8.0 per USD range for many years, reducing FX uncertainty.
- Banco de Guatemala regulates all inbound international transfers. There are no limits or taxes on personal incoming remittances.
- Western Union, MoneyGram, and Ria have extensive cash pickup networks through Guatemalan bank partners. Smaller banks like Bantrab and Banrural are particularly active in rural agent networks.
- Bi (Banco Industrial) is Guatemala's largest private bank and is a popular landing point for SWIFT transfers. Bantrab (workers' bank) has strong rural reach.
Which provider offers the best USD to GTQ rate?
Xoom (PayPal)
4.7Exchange rate
7.7699
Fee
$3.49
Recipient gets
Q7,742.75
Speed
Minutes to 3 days
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the to Guatemala route.
Cheapest transfer
Xoom (PayPal)
Delivers the most GTQ for your money
Fastest transfer
Xoom (PayPal)
Delivers in Minutes to 3 days
Cash pickup
Xoom (PayPal)
Widest cash pickup network
Bank transfer
Xoom (PayPal)
Best rate for bank deposit to Guatemala
How to send money to Guatemala
Sending money to Guatemala is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much USD you want to send, compare providers above, and pick the one offering the best GTQ amount for your transfer to Guatemala.
Step 2
Add your recipient
Enter your recipient's details in Guatemala — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes 1–2 business days.
What you need to send money to Guatemala
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full legal name as registered with their bank or on their DPI (national ID)
Bank account number
Guatemalan bank account number (varies by bank, typically 10–13 digits)
Example: 1234567890123
Bank name
Name of the recipient's bank (e.g. Banrural, Industrial, G&T Continental)
DPI number
OptionalDocumento Personal de Identificacion number for cash pickup
Note: Guatemala does not use the IBAN system. Bank account numbers vary in length by institution. The DPI (Documento Personal de Identificacion) is Guatemala's national ID and is typically required for cash pickup transactions.
Transfer examples: USD to GTQ
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
Xoom (PayPal)
7.77 · Minutes to 3 days
TapTap Send
7.60 · Under 3 minutes (95% of transfers)
InstaReM
7.57 · 1-3 business days
Paysend
7.59 · 2 days
Revolut
7.56 · 0-1 days
Sendwave
7.56 · Instant
ProviderFeeRateReceivesSpeed
Xoom (PayPal)$4.997.77Q3,846Minutes to 3 days
TapTap SendFree7.60Q3,800Under 3 minutes (95% of transfers)
InstaReMFree7.57Q3,7841-3 business days
Paysend$1.997.59Q3,7792 days
Revolut$0.757.56Q3,7760-1 days
Sendwave$1.997.56Q3,765Instant
Send $1,000
ProviderFeeReceives
Xoom (PayPal)
7.77 · Minutes to 3 days
TapTap Send
7.60 · Under 3 minutes (95% of transfers)
Paysend
7.59 · 2 days
InstaReM
7.57 · 1-3 business days
Revolut
7.57 · 0-1 days
Sendwave
7.56 · Instant
ProviderFeeRateReceivesSpeed
Xoom (PayPal)$3.497.77Q7,743Minutes to 3 days
TapTap SendFree7.60Q7,600Under 3 minutes (95% of transfers)
Paysend$1.997.59Q7,5742 days
InstaReMFree7.57Q7,5671-3 business days
Revolut$1.507.57Q7,5580-1 days
Sendwave$1.997.56Q7,545Instant
Send $5,000
ProviderFeeReceives
Xoom (PayPal)
7.77 · Minutes to 3 days
Wise
7.62 · 144 hours
TapTap Send
7.60 · Under 3 minutes (95% of transfers)
Paysend
7.59 · 2 days
InstaReM
7.57 · 1-3 business days
Revolut
7.56 · 0-1 days
ProviderFeeRateReceivesSpeed
Xoom (PayPal)$4.997.77Q38,811Minutes to 3 days
Wise$8.237.62Q38,039144 hours
TapTap SendFree7.60Q37,999Under 3 minutes (95% of transfers)
Paysend$1.997.59Q37,9312 days
InstaReMFree7.57Q37,8351-3 business days
Revolut$0.757.56Q37,8140-1 days
How much does it cost to send money from to Guatemala?
Transfer fees to Guatemala vary by provider and how you pay. Specialist services charge Q0–10 per transfer, while banks charge $25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total GTQ your recipient receives.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (7.6235).
Ways to send money to Guatemala
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Cash pickup is the dominant method in Guatemala — the country has a large unbanked population, and remittances from the US are a vital economic lifeline. Bank deposit is growing but cash remains king, especially outside Guatemala City.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Guatemala?
Your recipient in Guatemala can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit
1–2 business days
Direct transfer to Guatemalan bank accounts. Available at major banks nationwide.
RemitlyWorldRemitWestern UnionMoneyGram
Cash Pickup
Minutes
Collect cash from thousands of agent locations across Guatemala — the most popular method due to high unbanked population.
Western UnionMoneyGramRia Money TransferRemitly
Home Delivery
Same day to 2 days
Cash delivered to the recipient's address in select Guatemalan cities.
Remitly
Mobile Wallet
Minutes
Transfer to Tigo Money mobile wallet for recipients with Tigo phone service.
WorldRemit
What are the transfer limits and regulations for Guatemala?
Important rules and requirements to know before sending money to Guatemala.
Regulatory body
Superintendencia de Bancos de Guatemala (SIB)
Inbound transfer limits
No cap on incoming remittances — Guatemala is one of the most remittance-dependent economies in the region
Documentation you may need
- Sender's government-issued photo ID
- Recipient's DPI (Documento Personal de Identificacion) for cash pickup
- Tax ID (NIT) may be required for bank deposits over GTQ 30,000
Important things to know
- Guatemala receives over $18 billion annually in remittances, primarily from the United States.
- Remittances constitute roughly 18% of Guatemala's GDP.
- The quetzal (GTQ) is named after the national bird and is relatively stable against the US dollar.
- Cash pickup remains the most popular delivery method due to limited banking penetration.
How long does it take to send money to Guatemala?
Most transfers to Guatemala arrive within 1–2 business days with specialist providers. Mobile wallet and cash pickup options are often available within minutes. Bank deposits typically take 1–3 business days.
FastExpress delivery
- Xoom (PayPal)Minutes to 3 days
- TapTap SendUnder 3 minutes (95% of transfers)
- SendwaveInstant
- BOSS MoneyInstant
- Ria Money TransferMinutes to 2 days
Standard delivery
- Paysend2 days
- InstaReM1-3 business days
- Revolut0-1 days
- WorldRemit0-3 days
- MoneyGram0-1 days
Popular banks in Guatemala
These are the most commonly used banks for receiving international transfers in Guatemala.
BankSWIFT/BICNotes
Banrural
BABORGTGXXX
Banco Industrial
INDLGTGC
Banco G&T Continental
GTCBGTGC
BAM (Banco Agromercantil)
BAMCGTGC
Banco de los Trabajadores (Bantrab)
TABORGTGXXX
USD to GTQ Exchange Rate History
Daily best exchange rates from top providers over the last 60 days. Rates shown are for sending $100.
| Date | Xoom (PayPal) | Remitly | Wise | __mid Market__ | Ria Money Transfer |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 7.7701✓ | 7.4592 | 7.6207 | 7.6000 | 7.5303 |
| May 19 | 7.7711✓ | 7.4602 | 7.6217 | 7.6000 | 7.5303 |
| May 18 | 7.7771✓ | 7.4634 | 7.6208 | 7.6000 | 7.5303 |
| May 17 | 7.7771✓ | 7.4634 | 7.6208 | 7.6000 | 7.5303 |
| May 16 | 7.7771✓ | 7.4634 | 7.6208 | 7.6000 | 7.5303 |
| May 15 | 7.6303✓ | 7.4634 | 7.6226 | 7.5328 | 7.5328 |
| May 14 | 7.6303✓ | 7.4634 | 7.6213 | 7.4634 | 7.5328 |
| May 13 | 7.7771✓ | 7.4634 | 7.6275 | 7.4634 | 7.5649 |
| May 12 | 7.7768✓ | 7.4653 | 7.6289 | 7.4653 | 7.5649 |
| May 11 | 7.7830✓ | 7.4702 | 7.6318 | 7.4702 | 7.5649 |
| May 10 | 7.7830✓ | 7.4702 | 7.6318 | 7.4702 | 7.5649 |
| May 9 | 7.7830✓ | 7.4702 | 7.6318 | 7.4702 | 7.5649 |
| May 8 | 7.7805✓ | 7.4702 | 7.6333 | 7.4702 | 7.5649 |
| May 7 | 7.7813✓ | 7.4703 | 7.6306 | 7.4703 | 7.5649 |
| May 6 | 7.7833✓ | 7.4683 | 7.6326 | 7.4683 | 7.5649 |
| May 5 | 7.7834✓ | 7.6501 | 7.6329 | 7.6501 | 7.5649 |
| May 4 | 7.7935✓ | 7.4781 | 7.6390 | 7.4781 | 7.5649 |
| May 3 | 7.7935✓ | 7.4781 | 7.6390 | 7.4781 | 7.5649 |
| May 2 | 7.7935✓ | 7.4781 | 7.6390 | 7.4781 | 7.5649 |
| May 1 | 7.7924✓ | 7.4781 | 7.6383 | 7.4781 | 7.5649 |
| Apr 30 | 7.7878✓ | 7.4751 | 7.6349 | 7.4751 | 7.5649 |
| Apr 29 | 7.7875✓ | 7.4717 | 7.6345 | 7.4717 | 7.5649 |
| Apr 28 | 7.7905✓ | 7.4751 | 7.6390 | 7.4751 | 7.5649 |
| Apr 27 | 7.7955✓ | 7.4800 | 7.6407 | 7.4800 | 7.5649 |
| Apr 26 | 7.7955✓ | 7.4800 | 7.6407 | 7.4800 | 7.5649 |
| Apr 25 | 7.7955✓ | 7.4800 | 7.6407 | 7.4800 | 7.5649 |
| Apr 24 | 7.7955✓ | 7.4806 | 7.6413 | 7.4806 | 7.5649 |
| Apr 23 | 7.7939✓ | 7.4781 | 7.6418 | 7.4781 | 7.5649 |
| Apr 22 | 7.7934✓ | 7.4781 | 7.6427 | 7.4781 | 7.5649 |
| Apr 21 | 7.7926✓ | 7.4772 | 7.6420 | 7.4772 | 7.5649 |
| Apr 20 | 7.7955✓ | 7.4800 | 7.6419 | 7.4800 | 7.5649 |
| Apr 19 | 7.7940✓ | 7.4800 | 7.6419 | 7.4800 | 7.5649 |
| Apr 18 | 7.7940✓ | 7.4800 | 7.6419 | 7.4800 | 7.5649 |
| Apr 17 | 7.7969✓ | 7.4829 | 7.6449 | 7.4829 | 7.5649 |
| Apr 16 | 7.7966✓ | 7.6501 | 7.6439 | 7.6501 | 7.5649 |
| Apr 15 | 7.7963✓ | 7.6501 | 7.6434 | 7.6501 | 7.5649 |
| Apr 14 | 7.7955✓ | 7.6501 | 7.6420 | 7.6501 | 7.5649 |
| Apr 13 | 7.8024✓ | 7.6501 | 7.6460 | 7.6501 | 7.5649 |
| Apr 12 | 7.8001✓ | 7.6501 | 7.6460 | 7.6501 | 7.5649 |
| Apr 11 | 7.8001✓ | 7.6501 | 7.6460 | 7.6501 | 7.5649 |
| Apr 10 | 7.7991✓ | 7.6501 | 7.6450 | 7.6501 | 7.5649 |
| Apr 9 | 7.6087 | 7.6501✓ | 7.6454 | 7.6501✓ | 7.5649 |
| Apr 8 | 7.6084 | 7.6501✓ | 7.6448 | 7.6501✓ | 7.5649 |
| Apr 7 | 7.6080 | 7.4834 | 7.6440✓ | 7.4834 | 7.5649 |
| Apr 6 | 7.6110 | 7.4849 | 7.6455✓ | 7.4849 | 7.5649 |
| Apr 5 | 7.6090 | 7.4854 | 7.6460✓ | 7.4854 | 7.5649 |
| Apr 4 | 7.6090 | 7.4854 | 7.6460✓ | 7.4854 | 7.5649 |
| Apr 3 | 7.6090 | 7.4849 | 7.6455✓ | 7.4849 | 7.5649 |
| Apr 2 | 7.6084 | 7.4849 | 7.6455✓ | 7.4849 | 7.5649 |
| Apr 1 | 7.6096 | 7.4849 | 7.6455✓ | 7.4849 | 7.5649 |
| Mar 31 | 7.6124 | 7.4849 | 7.6459✓ | 7.4849 | 7.5649 |
| Mar 30 | 7.6190 | 7.4849 | 7.6500✓ | 7.4849 | 7.5649 |
| Mar 29 | 7.6180 | 7.4927 | 7.6559✓ | 7.4927 | 7.5649 |
| Mar 28 | 7.6141 | 7.4927 | 7.6557✓ | 7.4927 | 7.5649 |
| Mar 18 | 7.6201 | 7.4954 | 7.6576✓ | 7.6576✓ | — |
| Mar 17 | 7.6150 | 7.4908 | 7.6532 | 7.6545✓ | — |
| Mar 16 | 7.6275 | 7.4947 | 7.6595✓ | 7.6595✓ | — |
| Mar 15 | 7.6245 | 7.4996 | 7.6621✓ | 7.6621✓ | — |
| Mar 14 | 7.6245 | 7.4996 | 7.6621✓ | 7.6621✓ | — |
| Mar 13 | 7.6245 | 7.4996 | 7.6621✓ | 7.6621✓ | — |
Common questions about sending money from to Guatemala
What is the cheapest way to send money to Guatemala?
Remitly and Ria consistently offer competitive USD-to-GTQ rates for Guatemala. Western Union and MoneyGram are widely used for cash pickup through local bank agents. For bank-to-bank deposits, Wise offers the best exchange rate but GTQ is a less common currency so availability may vary. Always compare total GTQ received.
How long does a transfer to Guatemala take?
Cash pickup through Western Union and MoneyGram agents is typically available within minutes. Bank deposits via Remitly or Ria arrive within 1–2 business days. Most providers offer same-day or next-day delivery for transfers received before a daily cut-off time.
What banks are best for receiving transfers in Guatemala?
Banco Industrial (Bi) and Banrural have the widest branch networks in Guatemala. Bantrab is popular among rural and agricultural workers. BAM (Banco Agromercantil) and Banco GT Continental are also large receiving banks. For cash pickup, Banrural agents reach the most rural areas. All major banks accept inbound SWIFT transfers.
What account details do I need to receive a bank transfer in Guatemala?
You need the recipient's account number, full legal name, and the bank's SWIFT code. Guatemala does not use IBAN. Key SWIFT codes: Banco Industrial (INDLGTGT), Banrural (BRURGTGT), BAM (BAGTGTGT). Confirm the exact SWIFT code with the recipient's bank as branch-specific codes may vary.
Are remittances taxed in Guatemala?
No. Personal remittances received in Guatemala are not subject to any Guatemalan income tax. The government has long recognised remittances as a vital economic lifeline and has no withholding or taxes on inbound personal transfers.
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