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Send money to Jamaica
USD
JMD|Updated recentlyMid-market 158.1941Cheapest todayof 10 providers
Wise
Rate 157.7354 · Fee free
You send
$1,000
Recipient gets
J$157,735
J$6,100 more than the most expensive provider · 0.29% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money to Jamaica in May 2026 is Wise, which delivers 157,735.35 JMD on a 1,000 USD transfer with a fee of zero and an exchange rate of 157.7354. According to SendMoneyCompare's comparison of 10 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 6,122 JMD.
Last reviewed: by Awais Imran, Reviews Editor
↑
Rates are great right now
98th percentile
Based on 55 days of data (2026-03-18 to 2026-05-20)
Today's best
J$15,773.3
Wise
55-day avg
1 USD = 156.28 JMD
Best rate
157.99
2026-04-14 · Wise
Worst rate
144.82
2026-03-18 · Xoom (PayPal)
What is the cheapest way to send USD to JMD?
Sending $1,000 from to Jamaica. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 157.7354·Fee Free·0.29% markup
Best rate 43 of 55 days
↑ 1.3% over 55dAvg: 157.17 JMD (+0.4% vs avg)Range: 155.66–157.99
1
WiseBest value
Instant to 2 days0.29% markup
Best rate 43 of 55 days
↑ 1.3% over 55dAvg: 157.17 JMD (+0.4% vs avg)Range: 155.66–157.99
157.7354
Free
J$157,735.35
Rate 157.1975·Fee Free·0.63% markup
Most stable rate
→ 0.0% over 7dAvg: 157.20 JMDRange: 157.20–157.20
2
Under 3 minutes (95% of transfers)0.63% markup
Most stable rate
→ 0.0% over 7dAvg: 157.20 JMDRange: 157.20–157.20
157.1975
Free
J$157,197.49
Rate 156.9602·Fee $1.99·0.78% markup
↑ 0.1% over 7dAvg: 156.89 JMD (+0.1% vs avg)Range: 156.77–156.97
3
156.9602
$1.99
J$156,647.85
Rate 155.0144·Fee $1.49·2.01% markup
→ 0.0% over 7dAvg: 155.04 JMDRange: 155.03–155.05
4
155.0144
$1.49
J$154,783.44
Rate 154.1443·Fee $1.90·2.56% markup
↑ 0.3% over 7dAvg: 154.01 JMD (+0.1% vs avg)Range: 153.63–154.16
5
154.1443
$1.90
J$153,851.47
Rate 154.1443·Fee $2.99·2.56% markup
3.4% markup
↑ 0.1% over 7dAvg: 152.85 JMDRange: 152.71–152.91
6
154.1443
$2.99
J$153,683.46
Rate 153.4483·Fee Free·3.00% markup
↑ 0.1% over 7dAvg: 153.15 JMD (+0.2% vs avg)Range: 152.60–153.45
7
153.4483
Free
J$153,448.29
Rate 153.5748·Fee $2.00·2.92% markup
↑ 0.2% over 54dAvg: 153.37 JMD (+0.1% vs avg)Range: 153.30–153.87
8
Instant2.92% markup
↑ 0.2% over 54dAvg: 153.37 JMD (+0.1% vs avg)Range: 153.30–153.87
153.5748
$2.00
J$153,267.70
Rate 153.3692·Fee $1.99·3.05% markup
↓ 0.1% over 7dAvg: 153.59 JMD (-0.1% vs avg)Range: 153.37–153.65
9
153.3692
$1.99
J$153,063.99
Rate 151.6132·Fee Free·4.16% markup
↑ 1.0% over 55dAvg: 145.63 JMD (+0.5% vs avg)Range: 144.53–146.29
10
Minutes to 3 days4.16% markup
↑ 1.0% over 55dAvg: 145.63 JMD (+0.5% vs avg)Range: 144.53–146.29
151.6132
Free
J$151,613.24
Potential savings: Choosing the best provider over the most expensive saves your recipient J$6,122.11 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
Jamaica received approximately $3.5 billion in remittances in 2023, representing over 20% of GDP. The Jamaican diaspora is concentrated in the US (particularly New York and Florida), the UK, and Canada. Western Union and MoneyGram have dominant cash pickup networks on the island, while the growing banking sector supports direct bank deposits to NCB, Scotiabank Jamaica, and JMMB.
- Western Union has the largest cash pickup network in Jamaica, partnered with NCB (National Commercial Bank) branches and independent agents island-wide.
- NCB (National Commercial Bank), Scotiabank Jamaica, JMMB Bank, and Sagicor Bank Jamaica are the primary receiving banks for SWIFT transfers.
- The Bank of Jamaica (BOJ) regulates all FX transactions and inbound remittances. JMD has experienced gradual depreciation against USD historically.
- Remittances are a protected economic flow in Jamaica — no income tax or withholding tax is applied to personal inbound transfers.
- Carib Transfers and several other Jamaica-specific providers operate out of major US and UK cities with competitive JMD rates for the Jamaican diaspora.
Which provider offers the best USD to JMD rate?
Wise
4.3Exchange rate
157.7354
Fee
Free
Recipient gets
J$157,735.35
Speed
Instant to 2 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 Jamaica route.
Cheapest transfer
Wise
Delivers the most JMD for your money
Fastest transfer
Wise
Delivers in Instant to 2 days
Cash pickup
BOSS Money
Widest cash pickup network
Bank transfer
Wise
Best rate for bank deposit to Jamaica
How to send money to Jamaica
Sending money to Jamaica 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 JMD amount for your transfer to Jamaica.
Step 2
Add your recipient
Enter your recipient's details in Jamaica — 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 Jamaica
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full legal name as it appears on their bank account
Bank account number
Jamaican bank account number (typically 10–14 digits)
Example: 1234567890
Bank name & branch
Name and branch of the recipient's bank (e.g. NCB, Scotiabank Jamaica)
Transit/branch number
OptionalBranch transit number for the specific bank location
Note: Jamaica does not use the IBAN system. Bank transfers require the recipient's account number, bank name, and branch. The Jamaican banking system uses transit numbers to identify specific branches.
Transfer examples: USD to JMD
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
Wise
157.74 · Instant to 2 days
TapTap Send
157.20 · Under 3 minutes (95% of transfers)
Paysend
156.96 · 2 days
BOSS Money
155.01 · Instant
MoneyGram
154.14 · 0-1 days
Ria Money Transfer
153.57 · Instant
ProviderFeeRateReceivesSpeed
WiseFree157.74J$78,868Instant to 2 days
TapTap SendFree157.20J$78,599Under 3 minutes (95% of transfers)
Paysend$1.99156.96J$78,1682 days
BOSS Money$1.49155.01J$77,276Instant
MoneyGram$1.90154.14J$76,7790-1 days
Ria Money Transfer$2.00153.57J$76,480Instant
Send $1,000
ProviderFeeReceives
Wise
157.74 · Instant to 2 days
TapTap Send
157.20 · Under 3 minutes (95% of transfers)
Paysend
156.96 · 2 days
BOSS Money
155.01 · Instant
MoneyGram
154.14 · 0-1 days
Remitly
154.14 · 0.5-3 days
ProviderFeeRateReceivesSpeed
WiseFree157.74J$157,735Instant to 2 days
TapTap SendFree157.20J$157,197Under 3 minutes (95% of transfers)
Paysend$1.99156.96J$156,6482 days
BOSS Money$1.49155.01J$154,783Instant
MoneyGram$1.90154.14J$153,8510-1 days
Remitly$2.99154.14J$153,6830.5-3 days
Send $5,000
ProviderFeeReceives
Wise
157.74 · Instant to 2 days
TapTap Send
157.20 · Under 3 minutes (95% of transfers)
Paysend
156.96 · 2 days
XE
156.39 · 1-4 business days
BOSS Money
155.01 · Instant
MoneyGram
154.14 · 0-1 days
ProviderFeeRateReceivesSpeed
WiseFree157.74J$788,677Instant to 2 days
TapTap SendFree157.20J$785,987Under 3 minutes (95% of transfers)
Paysend$1.99156.96J$784,4892 days
XE$30.00156.39J$777,2621-4 business days
BOSS Money$1.49155.01J$774,841Instant
MoneyGram$1.90154.14J$770,4290-1 days
How much does it cost to send money from to Jamaica?
Transfer fees to Jamaica vary by provider and how you pay. Specialist services charge J$0–10 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 JMD 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 (158.1941).
Ways to send money to Jamaica
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Cash pickup dominates remittances to Jamaica, with agent locations in every parish. The Jamaican diaspora (mainly in the US, UK, and Canada) sends significant remittances home. Mobile wallets like Lynk are emerging but cash remains preferred.
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
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Google 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 Jamaica?
Your recipient in Jamaica 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 Jamaican bank accounts at major banks island-wide.
RemitlyWorldRemitWestern UnionMoneyGram
Cash Pickup
Minutes
Collect cash from agent locations across Jamaica — the most popular remittance method on the island.
Western UnionMoneyGramRia Money Transfer
Mobile Wallet
Minutes
Transfer to mobile wallets like Lynk for instant access to funds.
WorldRemit
What are the transfer limits and regulations for Jamaica?
Important rules and requirements to know before sending money to Jamaica.
Regulatory body
Bank of Jamaica (BOJ)
Inbound transfer limits
No cap on incoming remittances — Jamaica depends heavily on diaspora remittances
Documentation you may need
- Sender's government-issued photo ID
- Recipient's government-issued ID for cash pickup
- TRN (Tax Registration Number) may be required for large transfers
Important things to know
- Jamaica receives over $3 billion annually in remittances, representing roughly 16% of GDP.
- The Jamaican dollar (JMD) has experienced significant depreciation over the years — monitor rates closely.
- The Bank of Jamaica regulates all money transfer services under the Bank of Jamaica Act.
- Cash pickup agents are widespread even in rural parishes, making it the most accessible option.
How long does it take to send money to Jamaica?
Most transfers to Jamaica 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
- WiseInstant to 2 days
- TapTap SendUnder 3 minutes (95% of transfers)
- BOSS MoneyInstant
- Ria Money TransferInstant
- Xoom (PayPal)Minutes to 3 days
Standard delivery
- Paysend2 days
- MoneyGram0-1 days
- Remitly0.5-3 days
- XE0-3 days
- Western Union0-5 days
Popular banks in Jamaica
These are the most commonly used banks for receiving international transfers in Jamaica.
BankSWIFT/BICNotes
National Commercial Bank (NCB)
JABORJMK
Scotiabank Jamaica
NABORJMKXXX
CIBC FirstCaribbean
FCIBBJMK
JN Bank
JABORJM2XXX
Sagicor Bank Jamaica
SABORJMK
USD to JMD Exchange Rate History
Daily best exchange rates from top providers over the last 55 days. Rates shown are for sending $100.
| Date | Xoom (PayPal) | Wise | __mid Market__ | Ria Money Transfer | MoneyGram |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 146.2855 | 157.7330✓ | 157.2000 | 153.5800 | 154.1591 |
| May 19 | 145.9572 | 157.3540✓ | 157.2000 | 153.8200 | 154.1610 |
| May 18 | 145.8890 | 157.6720✓ | 157.2000 | 153.8700 | 154.1606 |
| May 17 | 145.8890 | 157.6720✓ | 157.2000 | 153.8700 | 154.1606 |
| May 16 | 145.8890 | 157.6720✓ | 157.2000 | 153.8700 | 154.1606 |
| May 15 | 145.4201 | 157.8010✓ | 153.8200 | 153.8200 | 153.6324 |
| May 14 | 145.8406 | 157.5590✓ | 153.8200 | 153.8200 | 153.6324 |
| May 13 | 145.8906 | 157.2850✓ | 153.3000 | 153.3000 | — |
| May 12 | 146.1196 | 157.7660✓ | 153.3000 | 153.3000 | — |
| May 11 | 145.5213 | 156.8550✓ | 153.3000 | 153.3000 | — |
| May 10 | 145.5213 | 156.8550✓ | 153.3000 | 153.3000 | — |
| May 9 | 145.5213 | 156.8550✓ | 153.3000 | 153.3000 | — |
| May 8 | 145.4109 | 157.3160✓ | 153.3000 | 153.3000 | — |
| May 7 | 145.4136 | 157.2930✓ | 153.3000 | 153.3000 | — |
| May 6 | 145.3974 | 156.9140✓ | 153.3000 | 153.3000 | — |
| May 5 | 145.3586 | 156.9230✓ | 153.3000 | 153.3000 | — |
| May 4 | 145.3028 | 157.1000✓ | 153.3000 | 153.3000 | — |
| May 3 | 145.3028 | 157.1000✓ | 153.3000 | 153.3000 | — |
| May 2 | 145.3028 | 157.1000✓ | 153.3000 | 153.3000 | — |
| May 1 | 144.9668 | 157.1050✓ | 153.3000 | 153.3000 | — |
| Apr 30 | 144.5323 | 156.4850✓ | 153.3000 | 153.3000 | — |
| Apr 29 | 144.9275 | 156.5600✓ | 153.3000 | 153.3000 | — |
| Apr 28 | 145.3278 | 156.9950✓ | 153.3000 | 153.3000 | — |
| Apr 27 | 145.6284 | 157.1110✓ | 153.3000 | 153.3000 | — |
| Apr 26 | 145.6284 | 157.1110✓ | 153.3000 | 153.3000 | — |
| Apr 25 | 145.6284 | 157.1110✓ | 153.3000 | 153.3000 | — |
| Apr 24 | 145.5884 | 157.3100✓ | 153.3000 | 153.3000 | — |
| Apr 23 | 145.7580 | 157.3480✓ | 153.3000 | 153.3000 | — |
| Apr 22 | 145.6265 | 157.2060✓ | 153.3000 | 153.3000 | — |
| Apr 21 | 145.6392 | 157.7980✓ | 153.3000 | 153.3000 | — |
| Apr 20 | 146.1233 | 156.9500✓ | 153.3000 | 153.3000 | — |
| Apr 19 | 146.1233 | 156.9500✓ | 153.3000 | 153.3000 | — |
| Apr 18 | 146.1233 | 156.9500✓ | 153.3000 | 153.3000 | — |
| Apr 17 | 145.8592 | 157.3700✓ | 153.3000 | 153.3000 | — |
| Apr 16 | 145.6543 | 157.3500✓ | 153.3000 | 153.3000 | — |
| Apr 15 | 145.5466 | 157.1110✓ | 153.3000 | 153.3000 | — |
| Apr 14 | 145.6374 | 157.9890✓ | 153.3000 | 153.3000 | — |
| Apr 13 | 145.6073 | 157.5130✓ | 153.3000 | 153.3000 | — |
| Apr 12 | 145.6073 | 157.5130✓ | 153.3000 | 153.3000 | — |
| Apr 11 | 145.6073 | 157.5130✓ | 153.3000 | 153.3000 | — |
| Apr 10 | 146.1873 | 157.4940✓ | 153.3000 | 153.3000 | — |
| Apr 9 | 146.1089 | 157.4940✓ | 153.3000 | 153.3000 | — |
| Apr 8 | 145.4191 | 156.9870✓ | 153.3000 | 153.3000 | — |
| Apr 7 | 145.7576 | 156.9640✓ | 153.3000 | 153.3000 | — |
| Apr 6 | 145.6118 | 156.7730✓ | 153.3000 | 153.3000 | — |
| Apr 5 | 145.6220 | 156.7840✓ | 153.3000 | 153.3000 | — |
| Apr 4 | 145.6220 | 156.7840✓ | 153.3000 | 153.3000 | — |
| Apr 3 | 145.7705 | 157.0790✓ | 153.3000 | 153.3000 | — |
| Apr 2 | 145.4987 | 156.9850✓ | 153.3000 | 153.3000 | — |
| Apr 1 | 145.4111 | 157.0060✓ | 153.3000 | 153.3000 | — |
| Mar 31 | 145.9066 | 157.4480✓ | 153.3000 | 153.3000 | — |
| Mar 30 | 145.9326 | 157.0080✓ | 153.3000 | 153.3000 | — |
| Mar 29 | 145.7493 | 156.9890✓ | 153.3000 | 153.3000 | — |
| Mar 28 | 145.7493 | 156.9840✓ | 153.3000 | 153.3000 | — |
| Mar 18 | 144.8241 | 155.6600✓ | 155.6600✓ | — | — |
Common questions about sending money from to Jamaica
What is the cheapest way to send money to Jamaica?
Wise and Remitly offer competitive JMD rates for bank deposit delivery. Western Union and MoneyGram are most popular for cash pickup. Ria is competitive for smaller amounts. JMD has moderate exchange rate volatility — compare total JMD received at the time of your transfer rather than relying on past rates.
How do I send money to Jamaica for cash pickup?
Western Union and MoneyGram both have extensive Jamaican agent networks. Send via the provider's app or website, select 'cash pickup' as delivery method, and give your recipient the MTCN (transfer number). They visit an agent (NCB branch, Western Union outlet) with valid ID. Pickup is typically available within minutes of the sender completing payment.
What bank details are needed to transfer money to Jamaica?
You need the recipient's account number, full name, and the bank's routing/SWIFT code. Key SWIFT codes: NCB (NCRBJMKX), Scotiabank Jamaica (NOSCJMKX), JMMB Bank (JBMBJMKX). Jamaica does not use IBAN. Always confirm the exact account details with your recipient as NCB and Scotiabank have both savings and chequing account formats.
How long does a transfer to Jamaica take?
Western Union and MoneyGram cash pickup is available within minutes. Bank deposits via Wise or Remitly typically arrive within 1–2 business days. Express options from Remitly can deliver within hours for a small premium.
Are remittances taxed in Jamaica?
No. Personal remittances received in Jamaica are exempt from income tax. The BOJ and government have no withholding tax on inbound transfers. Large transfers may trigger AML reporting by the receiving bank for amounts over USD 10,000, but this does not prevent receipt or trigger any tax liability.
Send money to Jamaica from these countries
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