Best Way to Send Money to Bosnia and Herzegovina from USA (USD to BAM)

Sending money from USA to Bosnia and Herzegovina: what today's data shows

RemitFinder compares 5 providers and 28 ways to send money from USA to Bosnia and Herzegovina. The mid-market rate is BAM 1.7377 per USD. 2 providers have no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Bosnia and Herzegovina from USA?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 5 providers offering 28 ways to send US Dollar (USD) to Convertible Mark (BAM).

💰 Most BAM received today, by amount sent:

The same three providers lead at every amount shown.

At USD 1,000, the top three providers are Remitly, Western Union and XE Money Transfer, giving ≈ BAM 1,739.54, BAM 1,731.40 and BAM 1,711.10 respectively. BAM 28.44 separates Remitly in first place from XE Money Transfer in third.

🔀 Ways to receive, with the most received at USD 1,000:

Bank Account is the most widely offered way to receive, with 4 providers, followed by Cash Pickup (3). At USD 1,000, receiving in a Bank Account gets your recipient the most: up to ≈ BAM 1,739.54.

💱 How to get the best USD to BAM exchange rate?

The mid-market US Dollar to Convertible Mark rate today is BAM 1.7377 per USD. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, USD 1,000 is BAM 1,737.70, and each 1% of markup costs about BAM 17.38.

• 📊 Rates run from BAM 0.8792 to BAM 1.7439 per USD across all amounts. The top three rates are from Remitly (BAM 1.7439 for transfers up to USD 20,000), Western Union (BAM 1.7314) and XE Money Transfer (BAM 1.7111 for transfers up to USD 5,000).
• 📏 Typical markup: 1.53%. The median provider's best rate is 1.53% below the mid-market rate.
• ✅ Remitly offers a rate above the mid-market rate on some amounts.
• 💳 How you pay rarely changes the rate. At USD 1,000, 3 of the 3 providers that offer more than one way to pay give the same rate whichever you choose. Payment methods differ mostly in their fees.

How your recipient gets the money changes the rate. The median provider's best rate is 0.95% below the mid-market rate for money received in a Bank Account and 2.58% below it as Cash Pickup.

💸 What is the cheapest way to send money to Bosnia and Herzegovina from USA?

At USD 1,000, the three cheapest providers today are Remitly (paying from a Bank Account, received in a Bank Account), Western Union (paying by Debit Card, received in a Bank Account) and XE Money Transfer (paying from a Bank Account, received in a Bank Account). With these providers, your recipient gets ≈ BAM 1,739.54, BAM 1,731.40 and BAM 1,711.10 respectively.

💸 Total cost (fee + exchange-rate markup) by amount:

Below zero (−) is better than the mid-market rate^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

The typical total cost is 4.97% at USD 200, 3.36% at USD 1,000 and 3.06% at USD 5,000, so larger transfers cost less. At USD 1,000, one of the three cheapest providers has a total cost below zero, so your recipient gets more than at the mid-market rate.

Total cost is the fee plus the exchange-rate markup, as a share of the amount sent.

💳 Cheapest way to pay, at USD 1,000:

Paying by ACH has the lowest typical total cost at USD 1,000 (1.53%), and paying by Credit Card the highest (5.36%). On USD 1,000, that difference is worth about BAM 67 more to your recipient.

🏦 Cheapest way to receive, at USD 1,000:

Receiving in a Bank Account has the lowest typical total cost at USD 1,000 (2.36%), and receiving as Cash Pickup the highest (3.36%). On USD 1,000, that difference is worth about BAM 17 more to your recipient.

🔗 Cheapest pay and receive combinations, at USD 1,000:

The cheapest combination is paying by ACH, received in a Bank Account, with a typical total cost of 0.95%. The most expensive is paying by Credit Card, received as Cash Pickup, at 5.58%.

On USD 1,000, your recipient typically gets BAM 1,721.25 with the cheapest combination and BAM 1,642.11 with the most expensive: BAM 79.14 more with the cheapest combination.

Choosing well is worth BAM 879.43 more on USD 1,000. The most your recipient can get today is ≈ BAM 1,739.54, and the least is BAM 860.11.

• 🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 5 is 2.50% of USD 200 but only 0.10% of USD 5,000.
• 🆓 2 providers charge no fee on some ways to send or some amounts: Western Union and XE Money Transfer.

≈ marks amounts that include an estimated fee, where a provider does not publish its own.

🏦 How to send money from USA to Bosnia and Herzegovina through a bank?

4 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 4 providers.

Bank Transfer or Card? At USD 1,000, the typical total cost is 1.53% paying by ACH, 1.94% paying from a Bank Account, 2.58% paying by Debit Card and 5.36% paying by Credit Card.

• ⏱️ Money typically arrives in a Bank Account in 2–4 days.
• 🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.

Find the bank code: SWIFT codes for banks in Bosnia and Herzegovina.

⚡ How to send money from USA to Bosnia and Herzegovina fast?

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup).

By the times providers publish, money can arrive instantly as Cash Pickup. Where no time is published, money typically arrives in a Bank Account in 2–4 days.

What speed costs. At USD 1,000, the cheapest way with a published delivery time within an hour is MoneyGram (paying by Credit Card, received as Cash Pickup), with a total cost of 52.21%. The cheapest way overall has a total cost of −0.11%, 52.31 percentage points less.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.

🏆 Which are the best money transfer companies to send money to Bosnia and Herzegovina from USA?

There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.

• 🥇 Remitly, Western Union and XE Money Transfer give your recipient the most on USD 1,000 today.
• 💱 Remitly, Western Union and XE Money Transfer offer the highest exchange rates, from BAM 1.7111 to BAM 1.7439 per USD.
• 🔀 Ria Money Transfer offers the most ways to send (12), followed by Western Union (10) and XE Money Transfer (4).
• 💵 MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Bosnia and Herzegovina.
• 🆓 2 providers have no-fee options.
• ⚡ MoneyGram publishes the fastest delivery: instant.
• 🎁 2 providers have RemitFinder deals for this corridor.

📋 All 5 providers, by what your recipient gets for USD 1,000:

At USD 1,000, all 5 providers accept the transfer. Among them, your recipient gets between BAM 860.11 and BAM 1,739.54, and half of the providers give at least BAM 1,711.10.

Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.

MoneyGram USD to BAM exchange rate today

• 💱 MoneyGram's US Dollar to Convertible Mark exchange rate runs from BAM 0.8792 to BAM 0.8913 per USD. Its best rate applies to transfers up to USD 1,000 and is 48.71% below the mid-market rate.
• 💸 MoneyGram charges 3.5% + USD 4.99 (3% + USD 4.99 from USD 700, 2.5% + USD 4.99 from USD 1,500).
• 🏦 With MoneyGram, you pay by Credit Card, and your recipient gets the money as Cash Pickup.
• ⏱️ With MoneyGram, money arrives as Cash Pickup instantly.
• 📏 MoneyGram accepts up to USD 5,000 per transfer.
• 💰 On USD 1,000, your recipient gets BAM 860.11 with MoneyGram (paying by Credit Card, received as Cash Pickup).

Remitly USD to BAM exchange rate today

• 💱 Remitly's US Dollar to Convertible Mark exchange rate is BAM 1.7439 per USD, 0.36% above the mid-market rate.
• 💸 Remitly's fee is not published for USD to BAM transfers, so amounts here include an estimated fee.
• 🏦 With Remitly, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Remitly, money arrives in a Bank Account typically in 2–4 days.
• 📏 Remitly accepts up to USD 20,000 per transfer.
• 💰 On USD 1,000, your recipient gets about BAM 1,739.54 with Remitly (paying from a Bank Account, received in a Bank Account).

Ria Money Transfer USD to BAM exchange rate today

• 💱 Ria Money Transfer's US Dollar to Convertible Mark exchange rate is BAM 1.7054 per USD, 1.86% below the mid-market rate.
• 💸 Ria Money Transfer's fee depends on how you pay and how much you send.
• 🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by PayNearMe, and your recipient gets the money in a Bank Account or as Cash Pickup.
• ⏱️ With Ria Money Transfer, money arrives in a Bank Account typically in 2–4 days and as Cash Pickup typically within 2 hours.
• 📏 Ria Money Transfer accepts USD 100 to USD 5,000 per transfer.
• 💰 On USD 1,000, your recipient gets BAM 1,696.87 with Ria Money Transfer (paying from a Bank Account, received in a Bank Account).

Western Union USD to BAM exchange rate today

• 💱 Western Union's US Dollar to Convertible Mark exchange rate runs from BAM 1.6929 to BAM 1.7314 per USD. Its best rate applies to all amounts and is 0.36% below the mid-market rate.
• 💸 Western Union charges 3% when you pay by Credit Card or with Google Pay and no fee when you pay by Debit Card, with Apple Pay or by ACH.
• 🏦 With Western Union, you pay by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by ACH, and your recipient gets the money in a Bank Account or as Cash Pickup.
• ⏱️ With Western Union, money arrives in a Bank Account typically in 2–4 days and as Cash Pickup typically within 2 hours.
• 💰 On USD 1,000, your recipient gets BAM 1,731.40 with Western Union (paying by Debit Card, received in a Bank Account).
• 🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.

XE Money Transfer USD to BAM exchange rate today

• 💱 XE Money Transfer's US Dollar to Convertible Mark exchange rate runs from BAM 1.6661 to BAM 1.7111 per USD. Its best rate applies to transfers up to USD 5,000 and is 1.53% below the mid-market rate.
• 💸 XE Money Transfer charges USD 4 (no fee from USD 1,000) when you pay from a Bank Account or by ACH, 3% + USD 4 (3% from USD 1,000) when you pay by Credit Card and 0.5% + USD 4 (0.5% from USD 1,000) when you pay by Debit Card.
• 🏦 With XE Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card or by ACH, and your recipient gets the money in a Bank Account.
• ⏱️ With XE Money Transfer, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets BAM 1,711.10 with XE Money Transfer (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusive for XE Money Transfer: Refer a friend to earn USD 25.

Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.

🪜 Step by step guide to send money from USA to Bosnia and Herzegovina

1. Compare providers. RemitFinder lists 5 providers and 28 ways to send; the cards above rank them for your amount.
2. Choose how to pay. At USD 1,000, paying by ACH has the lowest typical total cost (1.53%).
3. Choose how your recipient gets the money. Bank Account (4 providers) or Cash Pickup (3 providers).
4. Check the limits. Published maximums start at USD 5,000 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
5. Sign up and verify your identity. Providers need ID before your first transfer.
6. Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in Bosnia and Herzegovina.
7. Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.

Frequently Asked Questions: Sending money to Bosnia and Herzegovina from USA

These FAQs use data from RemitFinder's live comparison of 5 providers for USA to Bosnia and Herzegovina money transfers.

• How do I send money from USA to Bosnia and Herzegovina?

  Compare 5 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.

• What is the best way to send money to Bosnia and Herzegovina from USA?

  At USD 1,000, Remitly, Western Union and XE Money Transfer give your recipient the most today: ≈ BAM 1,739.54, BAM 1,731.40 and BAM 1,711.10 respectively. The best way changes with the amount, so compare at yours.

• What is the cheapest way to send money to Bosnia and Herzegovina?

  At USD 1,000, the cheapest providers today are Remitly, Western Union and XE Money Transfer. The cheapest combination is paying by ACH, received in a Bank Account, with a typical total cost of 0.95%. 2 providers charge no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.

• How much can I save by comparing providers to send money to Bosnia and Herzegovina?

  At USD 1,000, your recipient gets between BAM 860.11 and ≈ BAM 1,739.54, depending on the provider and how you send. Comparing can get them BAM 879.43 more on one transfer. Remitly gives the most today, paying from a Bank Account, received in a Bank Account.

• What is the USD to BAM exchange rate today?

  The mid-market rate is BAM 1.7377 per USD. Providers' rates run from BAM 0.8792 to BAM 1.7439.

• Can I get a better rate than the mid-market USD to BAM rate?

  Yes. Remitly offers a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.

• Exchange rate or fee: what matters more when you send money to Bosnia and Herzegovina?

  At USD 200, the typical fee is 3.00% of the amount, and the typical exchange rate has a markup of 1.86%. At USD 5,000, the typical fee is 1.20% of the amount, and the typical exchange rate has a markup of 1.86%. So the fee matters more on small transfers, and the exchange rate on large ones. Compare both: the cards above rank every way to send with both included.

• Does sending more money to Bosnia and Herzegovina lower the cost?

  Yes. The typical total cost is 4.97% at USD 200, 3.36% at USD 1,000 and 3.06% at USD 5,000.

• Which payment method is cheapest for sending money from USA to Bosnia and Herzegovina?

  Paying by ACH has the lowest typical total cost at USD 1,000 (1.53%), and paying by Credit Card the highest (5.36%). On USD 1,000, that difference is worth about BAM 67 more to your recipient. The providers giving your recipient the most when paying by ACH are Western Union and XE Money Transfer.

• Is Debit Card cheaper than Credit Card for sending money to Bosnia and Herzegovina?

  Yes. At USD 1,000, paying by Debit Card has a typical total cost of 2.58%, compared with 5.36% paying by Credit Card. On USD 1,000, that difference is worth about BAM 48 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.

• Which delivery method is cheapest for sending money to Bosnia and Herzegovina from USA?

  Receiving in a Bank Account has the lowest typical total cost at USD 1,000 (2.36%), and receiving as Cash Pickup the highest (3.36%). On USD 1,000, that difference is worth about BAM 17 more to your recipient. The providers giving your recipient the most when receiving in a Bank Account are Remitly, Western Union and XE Money Transfer.

• Is Bank Account cheaper than Cash Pickup for sending money to Bosnia and Herzegovina?

  Yes. At USD 1,000, receiving in a Bank Account has a typical total cost of 2.36%, compared with 3.36% receiving as Cash Pickup. On USD 1,000, that difference is worth about BAM 17 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.

• How can I send cash to Bosnia and Herzegovina from USA?

  MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Bosnia and Herzegovina. By published times, Cash Pickup can be ready instantly with MoneyGram.

• What is the fastest way to send money to Bosnia and Herzegovina?

  By their published times, MoneyGram delivers fastest, instantly.

• Can I send money from USA to Bosnia and Herzegovina instantly?

  Yes. MoneyGram publishes delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is BAM 860.11, with MoneyGram (paying by Credit Card, received as Cash Pickup).

• How much money can I send to Bosnia and Herzegovina from USA?

  Each provider sets its own limits. The lowest published maximum is USD 5,000, and 2 of 5 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Bosnia and Herzegovina without fees?

  Yes, with Western Union and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.

• Which providers send money from USA to Bosnia and Herzegovina?

  RemitFinder compares 5 providers: MoneyGram, Remitly, Ria Money Transfer, Western Union and XE Money Transfer.

• Which app is best to send money to Bosnia and Herzegovina?

  It depends on your amount and how you pay. RemitFinder compares 5 providers and ranks every way to send for the amount you enter.

• Why do providers charge different amounts to send money to Bosnia and Herzegovina?

  Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send. At USD 1,000, none of the 3 providers that offer more than one way to pay change the rate with it.