Best Way to Send Money to Laos from USA (USD to LAK)

Sending money from USA to Laos: what today's data shows

RemitFinder compares 4 providers and 27 ways to send money from USA to Laos. The mid-market rate is LAK 22,511.0486 per USD. 2 providers have no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Laos from USA?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 4 providers offering 27 ways to send US Dollar (USD) to Lao Kip (LAK).

💰 Most LAK received today, by amount sent:

The same three providers lead at every amount shown.

At USD 1,000, the top three providers are MoneyGram, Western Union and Ria Money Transfer, giving LAK 22,393,425.90, LAK 22,324,050.00 and LAK 21,977,642.99 respectively. LAK 415,782.91 separates MoneyGram in first place from Ria Money Transfer in third.

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

Bank Account and Cash Pickup are the most widely offered ways to receive, with 3 providers each, followed by Mobile Wallet (1). At USD 1,000, receiving in a Bank Account gets your recipient the most: up to LAK 22,393,425.90.

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

The mid-market US Dollar to Lao Kip rate today is LAK 22,511.0486 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 LAK 22,511,048.60, and each 1% of markup costs about LAK 225,110.49.

• 📊 Rates run from LAK 1.00 to LAK 22,393.4259 per USD across all amounts. The top three rates are from MoneyGram (LAK 22,393.4259 for transfers up to USD 1,000), Western Union (LAK 22,324.05) and Ria Money Transfer (LAK 22,019.48 for transfers of USD 100 to USD 29,999.99).
• 📏 Typical markup: 1.51%. The median provider's best rate is 1.51% below the mid-market rate.
• 💳 How you pay rarely changes the rate. At USD 1,000, 2 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 0.52% below the mid-market rate for money received in a Mobile Wallet, 2.18% below it as Cash Pickup and 2.23% below it in a Bank Account.

💸 What is the cheapest way to send money to Laos from USA?

At USD 1,000, the three cheapest providers today are MoneyGram (paying by Debit Card, received in a Bank Account), Western Union (paying with Apple Pay, received as Cash Pickup) and Ria Money Transfer (paying from a Bank Account, received as Cash Pickup). With these providers, your recipient gets LAK 22,393,425.90, LAK 22,324,050.00 and LAK 21,977,642.99 respectively.

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

The typical total cost is 3.52% at USD 200, 2.49% at USD 1,000 and 2.35% at USD 5,000, so larger transfers cost less.

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 in Cash has the lowest typical total cost at USD 1,000 (0.52%), and paying by Credit Card the highest (4.69%). On USD 1,000, that difference is worth about LAK 938,692 more to your recipient.

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

Receiving in a Mobile Wallet has the lowest typical total cost at USD 1,000 (0.52%), and receiving in a Bank Account the highest (2.55%). On USD 1,000, that difference is worth about LAK 456,674 more to your recipient.

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

The cheapest combination is paying by Debit Card, received in a Mobile Wallet, with a typical total cost of 0.52%. The most expensive is paying in Cash, received as Cash Pickup, at 101.59%.

On USD 1,000, your recipient typically gets LAK 22,393,425.90 with the cheapest combination and LAK 984.01 with the most expensive: LAK 22,392,441.89 more with the cheapest combination.

Choosing well is worth LAK 22,392,460.89 more on USD 1,000. The most your recipient can get today is LAK 22,393,425.90, and the least is LAK 965.01.

• 🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 2.50 is 1.25% of USD 200 but only 0.05% of USD 5,000.
• 🆓 2 providers charge no fee on some ways to send or some amounts: MoneyGram and Western Union.

🏦 How to send money from USA to Laos through a bank?

3 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 3 providers.

Bank Transfer or Card? At USD 1,000, the typical total cost is 2.29% paying by ACH, 2.36% paying by Debit Card, 2.42% paying from a Bank Account and 4.69% paying by Credit Card.

• ⏱️ Money typically arrives in a Bank Account in 2–4 days, and MoneyGram publishes delivery within 30 minutes.
• 🧾 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 Laos.

⚡ How to send money from USA to Laos fast?

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

By the times providers publish, money can arrive within 30 minutes in a Bank Account or in a Mobile Wallet and instantly as Cash Pickup.

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 Laos 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.

• 🥇 MoneyGram, Western Union and Ria Money Transfer give your recipient the most on USD 1,000 today.
• 💱 MoneyGram, Western Union and Ria Money Transfer offer the highest exchange rates, from LAK 22,019.48 to LAK 22,393.4259 per USD.
• 🔀 Ria Money Transfer offers the most ways to send (12), followed by MoneyGram (9) and Western Union (5).
• 💵 MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Laos.
• 🆓 2 providers have no-fee options.
• ⚡ MoneyGram publishes the fastest delivery: instant.
• 🎁 1 provider has RemitFinder deals for this corridor.

📋 All 4 providers, by what your recipient gets for USD 1,000:

At USD 1,000, all 4 providers accept the transfer. Among them, your recipient gets between LAK 21,967,781.76 and LAK 22,393,425.90, and half of the providers give at least LAK 22,150,846.49.

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 LAK exchange rate today

• 💱 MoneyGram's US Dollar to Lao Kip exchange rate runs from LAK 1.00 to LAK 22,393.4259 per USD. Its best rate applies to transfers up to USD 1,000 and is 0.52% below the mid-market rate.
• 💸 MoneyGram's fee depends on how you pay and how much you send.
• 🏦 With MoneyGram, you pay by Credit Card, by Debit Card or in Cash, and your recipient gets the money in a Bank Account, as Cash Pickup or in a Mobile Wallet.
• ⏱️ With MoneyGram, money arrives in a Bank Account within 30 minutes, as Cash Pickup instantly and in a Mobile Wallet within 30 minutes.
• 📏 MoneyGram accepts up to USD 10,000 per transfer.
• 💰 On USD 1,000, your recipient gets LAK 22,393,425.90 with MoneyGram (paying by Debit Card, received in a Bank Account).

Remitly USD to LAK exchange rate today

• 💱 Remitly's US Dollar to Lao Kip exchange rate is LAK 22,009.60 per USD, 2.23% below the mid-market rate.
• 💸 Remitly's fee is not published for USD to LAK 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 LAK 21,967,781.76 with Remitly (paying from a Bank Account, received in a Bank Account).

Ria Money Transfer USD to LAK exchange rate today

• 💱 Ria Money Transfer's US Dollar to Lao Kip exchange rate runs from LAK 21,993.03 to LAK 22,019.48 per USD. Its best rate applies to transfers of USD 100 to USD 29,999.99 and is 2.18% 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 29,999.99 per transfer.
• 💰 On USD 1,000, your recipient gets LAK 21,977,642.99 with Ria Money Transfer (paying from a Bank Account, received as Cash Pickup).

Western Union USD to LAK exchange rate today

• 💱 Western Union's US Dollar to Lao Kip exchange rate runs from LAK 21,995.064 to LAK 22,324.05 per USD. Its best rate applies to all amounts and is 0.83% 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 as Cash Pickup.
• ⏱️ With Western Union, money arrives as Cash Pickup typically within 2 hours.
• 💰 On USD 1,000, your recipient gets LAK 22,324,050.00 with Western Union (paying with Apple Pay, received as Cash Pickup).
• 🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.

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 Laos

1. Compare providers. RemitFinder lists 4 providers and 27 ways to send; the cards above rank them for your amount.
2. Choose how to pay. At USD 1,000, paying in Cash has the lowest typical total cost (0.52%).
3. Choose how your recipient gets the money. Bank Account (3 providers), Cash Pickup (3 providers) or Mobile Wallet (1 provider), including BCEL, JD Bank and Somchit.
4. Check the limits. Published maximums start at USD 10,000 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 Laos.
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 Laos from USA

These FAQs use data from RemitFinder's live comparison of 4 providers for USA to Laos money transfers.

• How do I send money from USA to Laos?

  Compare 4 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 Laos from USA?

  At USD 1,000, MoneyGram, Western Union and Ria Money Transfer give your recipient the most today: LAK 22,393,425.90, LAK 22,324,050.00 and LAK 21,977,642.99 respectively. The best way changes with the amount, so compare at yours.

• What is the cheapest way to send money to Laos?

  At USD 1,000, the cheapest providers today are MoneyGram, Western Union and Ria Money Transfer. The cheapest combination is paying by Debit Card, received in a Mobile Wallet, with a typical total cost of 0.52%. 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 Laos?

  At USD 1,000, your recipient gets between LAK 965.01 and LAK 22,393,425.90, depending on the provider and how you send. Comparing can get them LAK 22,392,460.89 more on one transfer. MoneyGram gives the most today, paying by Debit Card, received in a Bank Account.

• What is the USD to LAK exchange rate today?

  The mid-market rate is LAK 22,511.0486 per USD. Providers' rates run from LAK 1.00 to LAK 22,393.4259.

• Exchange rate or fee: what matters more when you send money to Laos?

  At USD 200, the typical fee is 1.25% of the amount, and the typical exchange rate has a markup of 2.23%. At USD 5,000, the typical fee is 0.05% of the amount, and the typical exchange rate has a markup of 2.29%. So the exchange rate matters more at every amount shown. Compare both: the cards above rank every way to send with both included.

• Does sending more money to Laos lower the cost?

  Yes. The typical total cost is 3.52% at USD 200, 2.49% at USD 1,000 and 2.35% at USD 5,000.

• Which payment method is cheapest for sending money from USA to Laos?

  Paying in Cash has the lowest typical total cost at USD 1,000 (0.52%), and paying by Credit Card the highest (4.69%). On USD 1,000, that difference is worth about LAK 938,692 more to your recipient. The provider giving your recipient the most when paying in Cash is MoneyGram.

• Is Debit Card cheaper than Credit Card for sending money to Laos?

  Yes. At USD 1,000, paying by Debit Card has a typical total cost of 2.36%, compared with 4.69% paying by Credit Card. On USD 1,000, that difference is worth about LAK 524,399 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 Laos from USA?

  Receiving in a Mobile Wallet has the lowest typical total cost at USD 1,000 (0.52%), and receiving in a Bank Account the highest (2.55%). On USD 1,000, that difference is worth about LAK 456,674 more to your recipient. The provider giving your recipient the most when receiving in a Mobile Wallet is MoneyGram.

• Is Bank Account cheaper than Cash Pickup for sending money to Laos?

  No. At USD 1,000, receiving in a Bank Account has a typical total cost of 2.55%, compared with 2.43% receiving as Cash Pickup. On USD 1,000, that difference is worth about LAK 26,450 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 Laos from USA?

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

• What is the fastest way to send money to Laos?

  By their published times, MoneyGram delivers fastest, instantly.

• Can I send money from USA to Laos 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 LAK 22,393,425.90, with MoneyGram (paying by Debit Card, received in a Bank Account).

• How much money can I send to Laos from USA?

  Each provider sets its own limits. The lowest published maximum is USD 10,000, and 1 of 4 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Laos without fees?

  Yes, with MoneyGram and Western Union 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 Laos?

  RemitFinder compares 4 providers: MoneyGram, Remitly, Ria Money Transfer and Western Union.

• Which app is best to send money to Laos?

  It depends on your amount and how you pay. RemitFinder compares 4 providers and ranks every way to send for the amount you enter.

• Why do providers charge different amounts to send money to Laos?

  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, 1 of the 3 providers that offer more than one way to pay changes the rate with it.