Best Way to Send Money to Samoa from USA (USD to WST)

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

RemitFinder compares 5 providers and 27 ways to send money from USA to Samoa. The mid-market rate is WST 2.7509 per USD. 3 providers have no-fee options. The fastest published delivery is instant.

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

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 5 providers offering 27 ways to send US Dollar (USD) to Samoan Tala (WST).

💰 Most WST received today, by amount sent:

The same three providers lead at every amount shown.

At USD 1,000, the top three providers are MoneyGram, Remitly and Western Union, giving WST 2,784.60, ≈ WST 2,774.80 and WST 2,721.00 respectively. WST 63.60 separates MoneyGram in first place from Western Union in third.

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

Bank Account is the most widely offered way to receive, with 3 providers, followed by Cash Pickup (2), Mobile Wallet (2) and Debit Card (1). At USD 1,000, receiving as Cash Pickup gets your recipient the most: up to WST 2,784.60.

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

The mid-market US Dollar to Samoan Tala rate today is WST 2.7509 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 WST 2,750.90, and each 1% of markup costs about WST 27.51.

• 📊 Rates run from WST 2.4635 to WST 2.7846 per USD across all amounts. The top three rates are from MoneyGram (WST 2.7846 for transfers up to USD 1,000), Remitly (WST 2.7748 for transfers up to USD 20,000) and Western Union (WST 2.721).
• 📏 Typical markup: 1.09%. The median provider's best rate is 1.09% below the mid-market rate.
• ✅ 2 providers offer a rate above the mid-market rate on some amounts: MoneyGram and Remitly.
• 💳 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 0.07% above the mid-market rate for money received in a Mobile Wallet, 0.76% below it as Cash Pickup, 1.09% below it on a Debit Card and 3.32% below it in a Bank Account.

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

At USD 1,000, the three cheapest providers today are MoneyGram (paying by Debit Card, received as Cash Pickup), Remitly (paying from a Bank Account, received in a Bank Account) and Western Union (paying by Debit Card, received in a Mobile Wallet). With these providers, your recipient gets WST 2,784.60, ≈ WST 2,774.80 and WST 2,721.00 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 2.75% at USD 200, 2.75% at USD 1,000 and 2.90% at USD 5,000. At USD 1,000, two of the three 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 (−1.23%), and paying with Google Pay the highest (4.09%). On USD 1,000, that difference is worth about WST 146 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 (1.09%), and receiving in a Bank Account the highest (3.57%). On USD 1,000, that difference is worth about WST 68 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 in Cash, received as Cash Pickup, with a typical total cost of −1.23%, so your recipient typically gets more than at the mid-market rate. The most expensive is paying by Credit Card, received in a Bank Account, at 6.32%.^ⓘ 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 WST 2,784.60 with the cheapest combination and WST 2,579.72 with the most expensive: WST 204.89 more with the cheapest combination.

Choosing well is worth WST 321.10 more on USD 1,000. The most your recipient can get today is WST 2,784.60, and the least is ≈ WST 2,463.50.

• 🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 4 is 2.00% of USD 200 but only 0.08% of USD 5,000.
• 🆓 3 providers charge no fee on some ways to send or some amounts: MoneyGram, 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 Samoa through a bank?

4 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 1.09% paying by Debit Card, 1.92% paying by ACH, 3.32% paying from a Bank Account and 4.09% 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 Samoa.

⚡ How to send money from USA to Samoa fast?

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

By the times providers publish, money can arrive instantly as Cash Pickup and within 30 minutes in a Mobile Wallet. Where no time is published, money typically arrives in a Bank Account in 2–4 days and on a Debit Card in 1–2 days.

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 Samoa 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, Remitly and Western Union give your recipient the most on USD 1,000 today.
• 💱 MoneyGram, Remitly and Western Union offer the highest exchange rates, from WST 2.721 to WST 2.7846 per USD.
• 🔀 Western Union offers the most ways to send (15), followed by MoneyGram (6) and XE Money Transfer (4).
• 💵 MoneyGram and Western Union offer Cash Pickup in Samoa.
• 🆓 3 providers have no-fee options.
• ⚡ MoneyGram publishes the fastest delivery: instant.
• 🎁 3 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 WST 2,463.50 and WST 2,784.60, and half of the providers give at least WST 2,721.00.

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 WST exchange rate today

• 💱 MoneyGram's US Dollar to Samoan Tala exchange rate runs from WST 2.7336 to WST 2.7846 per USD. Its best rate applies to transfers up to USD 1,000 and is 1.23% above the mid-market rate.
• 💸 MoneyGram charges no fee when you pay by Debit Card or in Cash. When you pay by Credit Card, it charges 3.5% + USD 4.99 (3% + USD 4.99 from USD 700, 2.5% + USD 4.99 from USD 1,220) when your recipient gets the money as Cash Pickup and 3% when your recipient gets the money in a Mobile Wallet.
• 🏦 With MoneyGram, you pay by Credit Card, by Debit Card or in Cash, and your recipient gets the money as Cash Pickup or in a Mobile Wallet.
• ⏱️ With MoneyGram, money arrives as Cash Pickup instantly and in a Mobile Wallet within 30 minutes.
• 📏 MoneyGram accepts up to USD 9,040 per transfer.
• 💰 On USD 1,000, your recipient gets WST 2,784.60 with MoneyGram (paying by Debit Card, received as Cash Pickup).

OFX USD to WST exchange rate today

• 💱 OFX's US Dollar to Samoan Tala exchange rate is WST 2.4635 per USD, 10.45% below the mid-market rate.
• 💸 OFX's fee is not published for USD to WST transfers, so amounts here include an estimated fee.
• 🏦 With OFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With OFX, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets about WST 2,463.50 with OFX (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusive for OFX: Get 10 free transfers.

Remitly USD to WST exchange rate today

• 💱 Remitly's US Dollar to Samoan Tala exchange rate is WST 2.7748 per USD, 0.87% above the mid-market rate.
• 💸 Remitly's fee is not published for USD to WST 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 WST 2,774.80 with Remitly (paying from a Bank Account, received in a Bank Account).

Western Union USD to WST exchange rate today

• 💱 Western Union's US Dollar to Samoan Tala exchange rate runs from WST 2.6753 to WST 2.721 per USD. Its best rate applies to all amounts and is 1.09% 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, 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 WST 2,721.00 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.

XE Money Transfer USD to WST exchange rate today

• 💱 XE Money Transfer's US Dollar to Samoan Tala exchange rate is WST 2.6595 per USD, 3.32% 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 WST 2,659.50 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 Samoa

1. Compare providers. RemitFinder lists 5 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 (−1.23%).^ⓘ 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 (3 providers), Cash Pickup (2 providers), Mobile Wallet (2 providers) or Debit Card (1 provider).
4. Check the limits. Published maximums start at USD 9,040 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 Samoa.
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 Samoa from USA

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

• How do I send money from USA to Samoa?

  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 Samoa from USA?

  At USD 1,000, MoneyGram, Remitly and Western Union give your recipient the most today: WST 2,784.60, ≈ WST 2,774.80 and WST 2,721.00 respectively. The best way changes with the amount, so compare at yours.

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

  At USD 1,000, the cheapest providers today are MoneyGram, Remitly and Western Union. The cheapest combination is paying in Cash, received as Cash Pickup, with a typical total cost of −1.23%. 3 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 Samoa?

  At USD 1,000, your recipient gets between ≈ WST 2,463.50 and WST 2,784.60, depending on the provider and how you send. Comparing can get them WST 321.10 more on one transfer. MoneyGram gives the most today, paying by Debit Card, received as Cash Pickup.

• What is the USD to WST exchange rate today?

  The mid-market rate is WST 2.7509 per USD. Providers' rates run from WST 2.4635 to WST 2.7846.

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

  Yes. MoneyGram and Remitly 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 Samoa?

  At USD 200, the typical fee is 2.00% of the amount, and the typical exchange rate has a markup of 1.09%. At USD 5,000, the typical fee is 0.00% of the amount, and the typical exchange rate has a markup of 1.09%. 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 Samoa lower the cost?

  Not always. The typical total cost is 2.75% at USD 200, 2.75% at USD 1,000 and 2.90% at USD 5,000.

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

  Paying in Cash has the lowest typical total cost at USD 1,000 (−1.23%), and paying with Google Pay the highest (4.09%). On USD 1,000, that difference is worth about WST 146 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 Samoa?

  Yes. At USD 1,000, paying by Debit Card has a typical total cost of 1.09%, compared with 4.09% paying by Credit Card. On USD 1,000, that difference is worth about WST 83 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 Samoa from USA?

  Receiving in a Mobile Wallet has the lowest typical total cost at USD 1,000 (1.09%), and receiving in a Bank Account the highest (3.57%). On USD 1,000, that difference is worth about WST 68 more to your recipient. The providers giving your recipient the most when receiving in a Mobile Wallet are MoneyGram and Western Union.

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

  No. At USD 1,000, receiving in a Bank Account has a typical total cost of 3.57%, compared with 2.75% receiving as Cash Pickup. On USD 1,000, that difference is worth about WST 23 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 Samoa from USA?

  MoneyGram and Western Union offer Cash Pickup in Samoa. By published times, Cash Pickup can be ready instantly with MoneyGram.

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

  By their published times, MoneyGram delivers fastest, instantly.

• Can I send money from USA to Samoa 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 WST 2,784.60, with MoneyGram (paying by Debit Card, received as Cash Pickup).

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

  Each provider sets its own limits. The lowest published maximum is USD 9,040, and 3 of 5 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Samoa without fees?

  Yes, with MoneyGram, 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 Samoa?

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

• Which app is best to send money to Samoa?

  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 Samoa?

  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.