Best Way to Send Money to Mozambique from USA (USD to MZN)

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

RemitFinder compares 9 providers and 49 ways to send money from USA to Mozambique. The mid-market rate is MZN 63.91 per USD. 7 providers have no-fee options. The fastest published delivery is instant.

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

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 9 providers offering 49 ways to send US Dollar (USD) to Mozambique Metical (MZN).

💰 Most MZN received today, by amount sent:

The same three providers lead at every amount shown.

At USD 1,000, the top three providers are Remitly, Taptap Send and Western Union, giving ≈ MZN 70,628.78, MZN 69,400.00 and MZN 65,340.00 respectively. MZN 5,288.78 separates Remitly in first place from Western Union in third.

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

Bank Account and Mobile Wallet are the most widely offered ways to receive, with 5 providers each, followed by Cash Pickup (3) and Debit Card (1). At USD 1,000, receiving in a Bank Account gets your recipient the most: up to ≈ MZN 70,628.78.

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

The mid-market US Dollar to Mozambique Metical rate today is MZN 63.91 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 MZN 63,910.00, and each 1% of markup costs about MZN 639.10.

• 📊 Rates run from MZN 60.4277 to MZN 70.67 per USD across all amounts. The top three rates are from Remitly (MZN 70.67 for transfers up to USD 20,000), Taptap Send (MZN 69.40 for transfers up to USD 10,000) and Western Union (MZN 65.34).
• 📏 Typical markup: 0.35%. The median provider's best rate is 0.35% below the mid-market rate.
• ✅ 4 providers offer a rate above the mid-market rate on some amounts: MoneyGram, Remitly, Taptap Send and Western Union.
• 📈 Bigger transfers get better rates with 1 provider.
  • Currency Solutions gives MZN 63.6863 per USD for transfers from USD 150,001, compared with MZN 63.4307 for transfers up to USD 25,000.
• 💳 How you pay rarely changes the rate. At USD 1,000, 3 of the 5 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 1.91% above the mid-market rate for money received in a Mobile Wallet, 0.35% below it in a Bank Account, 2.15% below it as Cash Pickup and 2.98% below it on a Debit Card.

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

At USD 1,000, the three cheapest providers today are Remitly (paying from a Bank Account, received in a Bank Account), Taptap Send (paying by Debit Card, received in a Mobile Wallet) and Western Union (paying by Debit Card, received in a Mobile Wallet). With these providers, your recipient gets ≈ MZN 70,628.78, MZN 69,400.00 and MZN 65,340.00 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 3.29% at USD 200, 2.52% at USD 1,000 and 2.98% at USD 5,000. At USD 1,000, all three of the cheapest providers have 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:

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.

Paying in Cash has the lowest typical total cost at USD 1,000 (−1.96%), and paying by BOSS Money Wallet the highest (5.45%). On USD 1,000, that difference is worth about MZN 4,735 more to your recipient.^ⓘ 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.

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

Receiving in a Mobile Wallet has the lowest typical total cost at USD 1,000 (1.54%), and receiving as Cash Pickup the highest (3.84%). On USD 1,000, that difference is worth about MZN 1,467 more to your recipient.

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

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 cheapest combination is paying by Debit Card, received in a Mobile Wallet, with a typical total cost of −2.24%, so your recipient typically gets more than at the mid-market rate. The most expensive is paying by Credit Card, received as Cash Pickup, at 6.14%.^ⓘ 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.

On USD 1,000, your recipient typically gets MZN 65,340.00 with the cheapest combination and MZN 60,048.91 with the most expensive: MZN 5,291.09 more with the cheapest combination.

Choosing well is worth MZN 11,348.60 more on USD 1,000. The most your recipient can get today is ≈ MZN 70,628.78, and the least is MZN 59,280.18.

• 🧮 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.
• 🆓 7 providers charge no fee on some ways to send or some amounts: BOSS Money, Currency Solutions, MoneyGram, Taptap Send, Western Union, WorldRemit 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 Mozambique through a bank?

7 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 5 providers.

Bank Transfer or Card? At USD 1,000, the typical total cost is 2.16% paying from a Bank Account, 2.52% paying by Debit Card, 2.57% paying by ACH and 5.16% 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 Mozambique.

⚡ How to send money from USA to Mozambique 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. Where no time is published, money typically arrives on a Debit Card in 1–2 days.

What speed costs. At USD 1,000, the cheapest way with a published delivery time within an hour is MoneyGram (paying by Debit Card, received in a Bank Account), with a total cost of −1.96%. The cheapest way overall has a total cost of −10.52%, 8.56 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 Mozambique 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, Taptap Send and Western Union give your recipient the most on USD 1,000 today.
• 💱 Remitly, Taptap Send and Western Union offer the highest exchange rates, from MZN 65.34 to MZN 70.67 per USD.
• 🔀 Western Union offers the most ways to send (15), followed by Ria Money Transfer (12) and MoneyGram (9).
• 💵 MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Mozambique.
• 🆓 7 providers have no-fee options.
• ⚡ MoneyGram publishes the fastest delivery: instant.
• 🎁 4 providers have RemitFinder deals for this corridor.

📋 All 9 providers, by what your recipient gets for USD 1,000:

At USD 1,000, all 9 providers accept the transfer. Among them, your recipient gets between MZN 61,734.00 and MZN 70,628.78, and half of the providers give at least MZN 63,430.68.

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.

BOSS Money USD to MZN exchange rate today

• 💱 BOSS Money's US Dollar to Mozambique Metical exchange rate runs from MZN 60.4277 to MZN 61.734 per USD. Its best rate applies to transfers of USD 10 to USD 2,000 and is 3.40% below the mid-market rate.
• 💸 BOSS Money charges no fee when you pay from a Bank Account, by Debit Card, by Mobile Wallet or by BOSS Money Wallet and USD 4.99 (USD 9.99 from USD 250.01, USD 12.99 from USD 500.01, USD 18.99 from USD 750.01, 3% from USD 1,000.01) when you pay by Credit Card.
• 🏦 With BOSS Money, you pay from a Bank Account, by Credit Card, by Debit Card, by Mobile Wallet or by BOSS Money Wallet, and your recipient gets the money in a Mobile Wallet.
• ⏱️ With BOSS Money, money arrives in a Mobile Wallet typically within 30 minutes.
• 📏 BOSS Money accepts USD 10 to USD 5,000 per transfer.
• 💰 On USD 1,000, your recipient gets MZN 61,734.00 with BOSS Money (paying from a Bank Account, received in a Mobile Wallet).
• 🎁 RemitFinder exclusives for BOSS Money: $0 Fee on first 3 transfers; Refer a friend to earn USD 25.

Currency Solutions USD to MZN exchange rate today

• 💱 Currency Solutions' US Dollar to Mozambique Metical exchange rate runs from MZN 63.4307 to MZN 63.6863 per USD. Its best rate applies to transfers from USD 150,001 and is 0.35% below the mid-market rate.
• 💸 Currency Solutions charges no fee.
• 🏦 With Currency Solutions, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Currency Solutions, money arrives in a Bank Account in 1–2 days.
• 📏 Currency Solutions accepts transfers from USD 1,000 per transfer.
• 💰 On USD 1,000, your recipient gets MZN 63,430.68 with Currency Solutions (paying from a Bank Account, received in a Bank Account).

MoneyGram USD to MZN exchange rate today

• 💱 MoneyGram's US Dollar to Mozambique Metical exchange rate runs from MZN 62.8628 to MZN 65.1627 per USD. Its best rate applies to transfers up to USD 1,000 and is 1.96% above 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 MZN 65,162.70 with MoneyGram (paying by Debit Card, received in a Bank Account).

Remitly USD to MZN exchange rate today

• 💱 Remitly's US Dollar to Mozambique Metical exchange rate is MZN 70.67 per USD, 10.58% above the mid-market rate.
• 💸 Remitly's fee is not published for USD to MZN 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 MZN 70,628.78 with Remitly (paying from a Bank Account, received in a Bank Account).

Ria Money Transfer USD to MZN exchange rate today

• 💱 Ria Money Transfer's US Dollar to Mozambique Metical exchange rate runs from MZN 62.034 to MZN 62.8425 per USD. Its best rate applies to transfers of USD 100 to USD 14,999.99 and is 1.67% 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 14,999.99 per transfer.
• 💰 On USD 1,000, your recipient gets MZN 62,732.53 with Ria Money Transfer (paying from a Bank Account, received in a Bank Account).

Taptap Send USD to MZN exchange rate today

• 💱 Taptap Send's US Dollar to Mozambique Metical exchange rate is MZN 69.40 per USD, 8.59% above the mid-market rate.
• 💸 Taptap Send charges no fee.
• 🏦 With Taptap Send, you pay by Debit Card, and your recipient gets the money in a Mobile Wallet.
• ⏱️ With Taptap Send, money arrives in a Mobile Wallet typically within 30 minutes.
• 📏 Taptap Send accepts up to USD 10,000 per transfer.
• 💰 On USD 1,000, your recipient gets MZN 69,400.00 with Taptap Send (paying by Debit Card, received in a Mobile Wallet).

Western Union USD to MZN exchange rate today

• 💱 Western Union's US Dollar to Mozambique Metical exchange rate runs from MZN 61.4093 to MZN 65.34 per USD. Its best rate applies to all amounts and is 2.24% above 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, in a Mobile Wallet or on a Debit Card.
• ⏱️ With Western Union, money arrives as Cash Pickup typically within 2 hours, in a Mobile Wallet typically within 30 minutes and on a Debit Card typically in 1–2 days.
• 💰 On USD 1,000, your recipient gets MZN 65,340.00 with Western Union (paying by Debit Card, received in a Mobile Wallet).
• 🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.

WorldRemit USD to MZN exchange rate today

• 💱 WorldRemit's US Dollar to Mozambique Metical exchange rate is MZN 62.4281 per USD, 2.32% below the mid-market rate.
• 💸 WorldRemit charges no fee.
• 🏦 With WorldRemit, you pay from a Bank Account, and your recipient gets the money in a Mobile Wallet.
• ⏱️ With WorldRemit, money arrives in a Mobile Wallet typically within 30 minutes.
• 💰 On USD 1,000, your recipient gets MZN 62,428.10 with WorldRemit (paying from a Bank Account, received in a Mobile Wallet).
• 🎁 RemitFinder exclusives for WorldRemit: Get 3 free transfers; Refer a friend to earn USD 20.

XE Money Transfer USD to MZN exchange rate today

• 💱 XE Money Transfer's US Dollar to Mozambique Metical exchange rate is MZN 62.5275 per USD, 2.16% 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 MZN 62,527.50 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 Mozambique

1. Compare providers. RemitFinder lists 9 providers and 49 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 (−1.96%).^ⓘ 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.
3. Choose how your recipient gets the money. Bank Account (5 providers), Mobile Wallet (5 providers), Cash Pickup (3 providers) or Debit Card (1 provider).
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 Mozambique.
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 Mozambique from USA

These FAQs use data from RemitFinder's live comparison of 9 providers for USA to Mozambique money transfers.

• How do I send money from USA to Mozambique?

  Compare 9 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 Mozambique from USA?

  At USD 1,000, Remitly, Taptap Send and Western Union give your recipient the most today: ≈ MZN 70,628.78, MZN 69,400.00 and MZN 65,340.00 respectively. The best way changes with the amount, so compare at yours.

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

  At USD 1,000, the cheapest providers today are Remitly, Taptap Send and Western Union. The cheapest combination is paying by Debit Card, received in a Mobile Wallet, with a typical total cost of −2.24%. 7 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 Mozambique?

  At USD 1,000, your recipient gets between MZN 59,280.18 and ≈ MZN 70,628.78, depending on the provider and how you send. Comparing can get them MZN 11,348.60 more on one transfer. Remitly gives the most today, paying from a Bank Account, received in a Bank Account.

• What is the USD to MZN exchange rate today?

  The mid-market rate is MZN 63.91 per USD. Providers' rates run from MZN 60.4277 to MZN 70.67.

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

  Yes. Four providers, led by Remitly, Taptap Send and Western Union, offer 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 Mozambique?

  At USD 200, the typical fee is 1.47% of the amount, and the typical exchange rate has a markup of 2.16%. At USD 5,000, the typical fee is 0.01% of the amount, and the typical exchange rate has a markup of 2.16%. 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 Mozambique lower the cost?

  Not always. The typical total cost is 3.29% at USD 200, 2.52% at USD 1,000 and 2.98% at USD 5,000. Currency Solutions gives a better exchange rate on larger transfers.

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

  Paying in Cash has the lowest typical total cost at USD 1,000 (−1.96%), and paying by BOSS Money Wallet the highest (5.45%). On USD 1,000, that difference is worth about MZN 4,735 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 Mozambique?

  Yes. At USD 1,000, paying by Debit Card has a typical total cost of 2.52%, compared with 5.16% paying by Credit Card. On USD 1,000, that difference is worth about MZN 1,691 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 Mozambique from USA?

  Receiving in a Mobile Wallet has the lowest typical total cost at USD 1,000 (1.54%), and receiving as Cash Pickup the highest (3.84%). On USD 1,000, that difference is worth about MZN 1,467 more to your recipient. The providers giving your recipient the most when receiving in a Mobile Wallet are Taptap Send, Western Union and WorldRemit.

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

  Yes. At USD 1,000, receiving in a Bank Account has a typical total cost of 2.16%, compared with 3.84% receiving as Cash Pickup. On USD 1,000, that difference is worth about MZN 1,069 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 Mozambique from USA?

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

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

  By their published times, MoneyGram delivers fastest, instantly.

• Can I send money from USA to Mozambique 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 MZN 65,162.70, with MoneyGram (paying by Debit Card, received in a Bank Account).

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

  Each provider sets its own limits. The lowest published maximum is USD 5,000, and 4 of 9 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Mozambique without fees?

  Yes, with BOSS Money, Currency Solutions, MoneyGram, Taptap Send, Western Union, WorldRemit 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 Mozambique?

  RemitFinder compares 9 providers: BOSS Money, Currency Solutions, MoneyGram, Remitly, Ria Money Transfer, Taptap Send, Western Union, WorldRemit and XE Money Transfer.

• Which app is best to send money to Mozambique?

  It depends on your amount and how you pay. RemitFinder compares 9 providers and ranks every way to send for the amount you enter.

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

  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, 2 of the 5 providers that offer more than one way to pay change the rate with it.