Send Money from the USA to Haiti: What It Really Costs in 2026

That is close to the whole market from the US. This lists only services we have actually seen quote gourdes, rather than padding the table with providers that do not reach Haiti.

All-in cost: fee plus anything taken in the rate, measured against the mid-market USD/HTG rate in September 2026.

All-in cost in US dollars on the USD/HTG corridor, September 2026. Green marks the cheapest standing price at that amount. Wise, Paysend and Ria do not serve Haiti from the US, so they are absent rather than omitted.

In gourdes, on $1,000 at a mid-market rate near 131.5, TapTap Send delivers about 130,550 HTG and BOSS Money about 129,810 HTG, a difference of roughly 740 gourdes. Worth having, but small enough that convenience, payout location and which service your family already trusts are legitimate tiebreakers here in a way they are not on most corridors.

This is the single most useful thing to know about sending money to Haiti, and it is easy to miss because it only shows up at larger amounts.

On almost every corridor, cost scales with the amount. Haiti is unusual because the services here lean on flat fees rather than the rate, so the percentage falls sharply as the amount grows. On the standing prices we can verify, the same transfer costs 2.65% of a $200 send but only 0.67% of a $1,000 one:

Sendwave and BOSS Money are built the same way, pairing a flat fee with a thin slice of the rate, at $9.38 and $11.48 on $1,000. TapTap Send advertises a fee that stops climbing altogether, but its quoted rate sits at our reference on this route, so the table records it without ranking it and we would not plan around that figure.

The gourde is Haiti's official currency, but the US dollar circulates alongside it in ordinary use. Rents, imported goods and many larger transactions are priced in dollars, and because the gourde has been volatile, dollars are often what people hold when they want value to keep.

Some services let your recipient collect in US dollars rather than gourdes, and this is a real decision rather than a formality. Money for immediate spending is simplest in gourdes. Money that will sit for a while, or that covers a dollar-priced cost, generally does better as dollars. It is worth one conversation with your family rather than a default.

Cash pickup.

The most common route by a wide margin, and the one to plan around. Haiti's formal banking sector is small relative to the population, so most families collect at an agent rather than receiving a deposit. Check which network is nearest to your recipient before choosing a service: convenience of the collection point matters more here than the last dollar of cost.

Bank deposit.

Available through banks including Unibank, Sogebank, Capital Bank and BNC where your recipient holds an account. Usually the cheaper option on a given service, as elsewhere.

Mobile money.

Wallet services such as MonCash are widely used and reach people without a bank account, which in Haiti is a large share of the population. Coverage varies by sending service, so confirm rather than assume.

Conditions on the ground in Haiti can affect whether a particular branch or agent is open, independently of anything the transfer service does. If a payment is time-critical, it is worth confirming with your family that their usual collection point is operating before you send.

Since 2026 a 1% federal excise charge has applied to transfers funded with cash or a money order. All three services above take payment from a bank account or debit card, so using any of them keeps the charge out of the picture.

The arithmetic is worth spelling out on this route, because the capped fee makes it stark. Sending $5,000 through XE costs $33.40. Funding that same $5,000 with cash somewhere else would attract $50 in tax alone, on top of whatever the transfer itself costs. Tax rules are amended from time to time, so verify before a large transfer.

1. 01Send in fewer, larger amounts. The fees here are flat or nearly so, so one $1,000 transfer pays one fee while four $250 transfers pay four. This is the biggest lever on the corridor and it points the opposite way to most advice.
2. 02Do not over-optimize the choice. The three services at the top of the table are within about two times of each other. Which agent is nearest your family, and whether they can collect in dollars, will matter more than the few hundred gourdes between providers.
3. 03Decide gourdes or dollars deliberately. For money that will be held rather than spent immediately, dollars protect value in a way the gourde has not.
4. 04Fund from a bank account. Cheapest on all three, and it keeps the 1% cash charge irrelevant.
5. 05Check the collection point is open before sending anything urgent.