Loading...
Send money from United States to Czech Republic(USD → CZK)
USD
CZK|Updated recentlyMid-market 20.9557Cheapest todayof 8 providers
Wise
Rate 20.9536 · Fee $6.49
You send
$1,000
Recipient gets
Kč20,818
Kč30 more than the most expensive provider
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from United States to Czech Republic in May 2026 is Wise, which delivers 20,817.66 CZK on a 1,000 USD transfer with a fee of $6.49. According to SendMoneyCompare's comparison of 8 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 30 CZK.
Last reviewed: by Awais Imran, Reviews Editor
→
Rates are typical right now
43th percentile
Based on 55 days of data (2026-03-18 to 2026-05-20)
Today's best
Kč2,056.51
Wise
55-day avg
1 USD = 20.88 CZK
Best rate
21.41
2026-03-30 · Wise
Worst rate
20.61
2026-04-21 · Wise
What is the cheapest way to send USD to CZK?
Sending $1,000 from United States to Czech Republic. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 20.9536·Fee $6.49·0.01% markup
Best rate 55 of 55 days
↓ 1.1% over 55dAvg: 20.88 CZK (+0.3% vs avg)Range: 20.61–21.41
1
WiseBest value
8h 33m0.01% markup
Best rate 55 of 55 days
↓ 1.1% over 55dAvg: 20.88 CZK (+0.3% vs avg)Range: 20.61–21.41
20.9536
$6.49
Kč20,817.66
Rate 20.7944·Fee $1.99·0.77% markup
↓ 1.4% over 46dAvg: 20.77 CZK (+0.1% vs avg)Range: 20.48–21.29
2
Minutes to 3-5 days0.77% markup
↓ 1.4% over 46dAvg: 20.77 CZK (+0.1% vs avg)Range: 20.48–21.29
20.7944
$1.99
Kč20,753.00
Rate 20.5052·Fee $5.00·2.15% markup
Rate 20.3878·Fee Free·2.71% markup
Most stable rate
↓ 1.4% over 55dAvg: 20.04 CZK (+0.1% vs avg)Range: 19.78–20.51
4
Minutes to 3 days2.71% markup
Most stable rate
↓ 1.4% over 55dAvg: 20.04 CZK (+0.1% vs avg)Range: 19.78–20.51
20.3878
Free
Kč20,387.84
Rate 20.8321·Fee $30.30·0.59% markup
Rate 20.7902·Fee $44.23·0.79% markup
Rate 20.2244·Fee $181.47·3.49% markup
Rate 20.7881·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient Kč29.56 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
Looking for cheap money transfers from United States to Czech Republic? We compare exchange rates, fees, and delivery times from every major provider to help you save on every transfer.
American expats and immigrants regularly send money to Czech Republic. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total CZK received from each provider after all fees and markups.
Which provider offers the best USD to CZK rate?
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 United States to Czech Republic route.
Cheapest transfer
Wise
Delivers the most CZK for your money
Fastest transfer
Remitly
Delivers in Minutes to 3-5 days
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
Wise
Best rate for bank deposit to Czech Republic
How to send money to Czech Republic
Sending money to Czech Republic 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 CZK amount for your transfer to Czech Republic.
Step 2
Add your recipient
Enter your recipient's details in Czech Republic — you'll need their iban. 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 (sepa) typically takes 1 business day.
What you need to send money to Czech Republic
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full name as registered with their Czech bank account
IBAN
24-character IBAN starting with 'CZ' followed by 2 check digits, 4-digit bank code, and 16-digit account number
Example: CZ6508000000192000145399
SWIFT/BIC code
Optional8 or 11-character SWIFT code for non-SEPA transfers
Note: The Czech Republic uses 24-character IBANs starting with 'CZ'. As an EU member, the Czech Republic participates in SEPA for EUR transfers. The traditional Czech account number format (prefix-account/bank code, e.g. 19-2000145399/0800) can be converted to IBAN through any Czech bank's online portal.
Transfer examples: USD to CZK
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
Wise
20.95 · 8h 33m
OFX
20.51 · 1-3 business days
Remitly
20.79 · Minutes to 3-5 days
XE
20.83 · 1-4 business days
CurrencyFair
20.79 · 1-2 business days
Xoom (PayPal)
20.05 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
Wise$9.2520.95Kč10,2838h 33m
OFX$2.5020.51Kč10,2011-3 business days
Remitly$9.9520.79Kč10,190Minutes to 3-5 days
XE$15.1520.83Kč10,1001-4 business days
CurrencyFair$22.1220.79Kč9,9351-2 business days
Xoom (PayPal)$24.9520.05Kč9,527Minutes to 3 days
Send $1,000
ProviderFeeReceives
Wise
20.95 · 8h 33m
Remitly
20.79 · Minutes to 3-5 days
OFX
20.51 · 1-3 business days
Xoom (PayPal)
20.39 · Minutes to 3 days
XE
20.83 · 1-4 business days
CurrencyFair
20.79 · 1-2 business days
ProviderFeeRateReceivesSpeed
Wise$6.4920.95Kč20,8188h 33m
Remitly$1.9920.79Kč20,753Minutes to 3-5 days
OFX$5.0020.51Kč20,4031-3 business days
Xoom (PayPal)Free20.39Kč20,388Minutes to 3 days
XE$30.3020.83Kč20,2011-4 business days
CurrencyFair$44.2320.79Kč19,8711-2 business days
Send $5,000
ProviderFeeReceives
Wise
20.96 · Instant to 2 days
XE
20.83 · 1-4 business days
Remitly
20.83 · Minutes to 3-5 days
OFX
20.79 · 1-3 business days
CurrencyFair
20.79 · 1-2 business days
Xoom (PayPal)
20.39 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
Wise$18.5020.96Kč104,412Instant to 2 days
XE$30.3020.83Kč103,5291-4 business days
Remitly$30.9420.83Kč103,506Minutes to 3-5 days
OFX$41.6120.79Kč103,0651-3 business days
CurrencyFair$44.2320.79Kč103,0311-2 business days
Xoom (PayPal)$138.7120.39Kč99,142Minutes to 3 days
How much does it cost to send money from United States to Czech Republic?
Transfer fees from United States to Czech Republic vary by provider. Specialist services charge $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 CZK your recipient receives, not just the advertised fee.
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 (20.9557).
Ways to send money to Czech Republic
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Bank deposit is the standard method in the Czech Republic. SEPA transfers in EUR from EU countries are the cheapest option, though the recipient's bank will convert to CZK. The Czech banking system is modern and efficient with strong digital platforms.
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
How can my recipient receive money in Czech Republic?
Your recipient in Czech Republic can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit (SEPA)
1 business day
SEPA transfer in EUR — fast and low-cost from EU/EEA countries.
WiseRemitlyWorldRemit
Bank Deposit (SWIFT)
1–3 business days
International wire transfer in CZK or EUR to Czech bank accounts.
WiseRemitlyWorldRemitWestern Union+1 more
Cash Pickup
Minutes
Collect cash from agent locations across the Czech Republic.
Western UnionMoneyGram
What are the transfer limits and regulations for Czech Republic?
Important rules and requirements to know before sending money to Czech Republic.
Regulatory body
Ceska Narodni Banka (CNB) — Czech National Bank
Inbound transfer limits
No cap on incoming transfers, but amounts over EUR 15,000 must be reported for AML
Documentation you may need
- Sender's government-issued photo ID
- Purpose of payment for large transfers
- Recipient's Czech personal ID number (rodne cislo) may be required
Important things to know
- The Czech Republic is an EU member using the Czech koruna (CZK), with no fixed date for euro adoption.
- SEPA transfers in EUR are converted to CZK at the recipient bank's rate.
- The Czech Republic has a large Ukrainian and Vietnamese community driving inbound remittance flows.
- Czech banks offer competitive online banking platforms with English-language support.
How long does it take to send money to Czech Republic?
Most transfers from United States to Czech Republic arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Czech Republic for a small premium.
FastExpress delivery
- RemitlyMinutes to 3-5 days
- Xoom (PayPal)Minutes to 3 days
Standard delivery
- Wise8h 33m
- OFX1-3 business days
- XE1-4 business days
- CurrencyFair1-2 business days
- Currencies Direct1-2 business days
Popular banks in Czech Republic
These are the most commonly used banks for receiving international transfers in Czech Republic.
BankSWIFT/BICNotes
CSOB (Ceskoslovenska Obchodni Banka)
CEKOCZPP
Ceska Sporitelna
GIBACZPX
Komercni Banka
KOMBCZPP
Raiffeisenbank CZ
RZBCCZPP
UniCredit Bank Czech Republic
BACXCZPP
Air Bank
AIRACZPP
USD to CZK Exchange Rate History
Daily best exchange rates from top providers over the last 55 days. Rates shown are for sending $100.
| Date | Wise | Xoom (PayPal) | __mid Market__ | Remitly |
|---|---|---|---|---|
| Trend | ||||
| May 20 | 20.9527✓ | 20.0555 | 20.0555 | 20.7943 |
| May 19 | 20.8627✓ | 20.0232 | 20.0232 | 20.7019 |
| May 18 | 20.9369✓ | 20.0786 | 20.0786 | 20.7919 |
| May 17 | 20.9143✓ | 20.0813 | 20.0813 | 20.7700 |
| May 16 | 20.9143✓ | 20.0813 | 20.7700 | 20.7700 |
| May 15 | 20.8787✓ | 20.0547 | 20.0547 | 20.7511 |
| May 14 | 20.7978✓ | 19.9835 | 19.9835 | 20.6637 |
| May 13 | 20.7378✓ | 19.9013 | 20.5969 | 20.5969 |
| May 12 | 20.6818✓ | 19.8573 | 20.5547 | 20.5547 |
| May 11 | 20.6698✓ | 19.8151 | 19.8151 | 20.5291 |
| May 10 | 20.6368✓ | 19.8160 | 19.8160 | 20.4800 |
| May 9 | 20.6368✓ | 19.8160 | 19.8160 | 20.4800 |
| May 8 | 20.7194✓ | 19.8669 | 19.8669 | 20.5730 |
| May 7 | 20.6940✓ | 19.8654 | 19.8654 | 20.5498 |
| May 6 | 20.8040✓ | 19.9894 | 20.6508 | 20.6508 |
| May 5 | 20.8774✓ | 20.0425 | 20.7494 | 20.7494 |
| May 4 | 20.7800✓ | 19.9637 | 20.6574 | 20.6574 |
| May 3 | 20.7875✓ | 19.9566 | 19.9566 | 20.6300 |
| May 2 | 20.7875✓ | 19.9566 | 20.6300 | 20.6300 |
| May 1 | 20.7850✓ | 19.9493 | 20.6756 | 20.6756 |
| Apr 30 | 20.8864✓ | 20.0619 | 20.7789 | 20.7789 |
| Apr 29 | 20.7925✓ | 19.9814 | 20.7014 | 20.7014 |
| Apr 28 | 20.7970✓ | 19.9630 | 19.9630 | 20.6903 |
| Apr 27 | 20.7685✓ | 19.9430 | 19.9430 | 20.6504 |
| Apr 26 | 20.7847✓ | 19.9426 | 20.6400 | 20.6400 |
| Apr 25 | 20.7847✓ | 19.9426 | 19.9426 | 20.6400 |
| Apr 24 | 20.8458✓ | 19.9690 | 20.7296 | 20.7296 |
| Apr 23 | 20.7972✓ | 19.9308 | 20.6568 | 20.6568 |
| Apr 22 | 20.7153✓ | 19.8866 | 20.5916 | 20.5916 |
| Apr 21 | 20.6102✓ | 19.7771 | 19.7771 | 20.4843 |
| Apr 20 | 20.6506✓ | 19.8070 | 19.8070 | 20.5426 |
| Apr 19 | 20.6452✓ | 19.8141 | 20.5200 | 20.5200 |
| Apr 18 | 20.6452✓ | 19.8141 | 19.8141 | 20.5200 |
| Apr 17 | 20.6521✓ | 19.8326 | 19.8326 | 20.5565 |
| Apr 16 | 20.6138✓ | 19.8081 | 19.8081 | — |
| Apr 15 | 20.6394✓ | 19.8083 | 19.8083 | — |
| Apr 14 | 20.7086✓ | 19.8828 | 19.8828 | — |
| Apr 13 | 20.8587✓ | 19.9634 | 19.9634 | — |
| Apr 12 | 20.7868✓ | 19.9541 | 19.9541 | — |
| Apr 11 | 20.7868✓ | 19.9541 | 19.9541 | — |
| Apr 10 | 20.8539✓ | 20.0122 | 20.0122 | — |
| Apr 9 | 20.9287✓ | 20.0909 | 20.0909 | — |
| Apr 8 | 20.9224✓ | 20.0982 | 20.0982 | — |
| Apr 7 | 21.2472✓ | 20.3953 | 21.1353 | 21.1353 |
| Apr 6 | 21.2000✓ | 20.3289 | 20.3289 | 21.0927 |
| Apr 5 | 21.2883✓ | 20.4324 | 21.1708 | 21.1708 |
| Apr 4 | 21.2883✓ | 20.4324 | 20.4324 | 21.1708 |
| Apr 3 | 21.2879✓ | 20.4007 | 20.4007 | 21.1639 |
| Apr 2 | 21.2367✓ | 20.4384 | 20.4384 | 21.1298 |
| Apr 1 | 21.1621✓ | 20.3332 | 20.3332 | 21.0860 |
| Mar 31 | 21.2592✓ | 20.3817 | 20.3817 | 21.1478 |
| Mar 30 | 21.4148✓ | 20.5136 | 20.5136 | 21.2852 |
| Mar 29 | 21.3551✓ | 20.4811 | 21.2149 | 21.2149 |
| Mar 28 | 21.3071✓ | 20.4336 | 20.4336 | 21.1924 |
| Mar 18 | 21.1901✓ | 20.3385 | 21.1901✓ | 21.0782 |
Common questions about sending money from United States to Czech Republic
What is the cheapest way to send money from United States to Czech Republic?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from United States to Czech Republic?
Most specialist providers deliver to Czech Republic within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send $1,000 from United States to Czech Republic?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much CZK your recipient would receive from a $1,000 transfer today.
Can I send money from United States to Czech Republic online?
Yes, all the providers we compare support online transfers from United States to Czech Republic. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Czech Republic?
Money transfer services are almost always cheaper. Banks typically charge $25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge $0–10 with markups under 1%, saving you significantly on every transfer to Czech Republic.
Everything about sending money to Czech Republic
Recipient requirements, delivery methods, regulations, popular banks, and more.
Other routes to Czech Republic
Popular corridors
Top provider reviews
Useful guides
Compare all providers for United States to Czech Republic
Enter your exact amount to see personalised quotes from every provider on this route.
Compare providers now