Send Money to Jamaica
Your first 3 transfers to Jamaica are fee-free, and your first one also comes with a preferential exchange rate. Three transfers, zero fees.*
New Customer Rate
on your first transfer*
*Up to $500 per transfer, paid by debit card.
Get the app on your phone
with a debit card
updated throughout the day
8 major banks plus Victoria Mutual
varies by bank and method
How Your Money Arrives in Jamaica
💳 Bank Deposit
Deposit directly into your recipient's bank account in Jamaican dollars. Sharemoney sends to eight major banks and building societies: NCB, Scotiabank, JN Bank, JMMB Bank, Sagicor Bank, First Global Bank, CIBC FirstCaribbean and VM Building Society. You just need your recipient's name as it appears on the account and their account number.
💰 Cash Pickup
Your recipient picks up Jamaican dollars in person through the Victoria Mutual network, which spans VMBS branches, VM Money Express shops and authorized sub-agents islandwide. They just bring a valid photo ID and the transfer reference number you share with them.
How Sharemoney Compares
See what $250 USD to Jamaica really delivers. The amount your family receives depends on both the fee and the exchange rate, so compare the full picture, not just the headline rate.
Competitor rates last checked: August 29, 2026 at 1:17 PM ET
· Sharemoney collects competitor rates twice daily (morning + afternoon ET) — rates may have changed since.
| Provider | Fee | Exchange Rate | Amount Received (JMD) | Rate Type |
|---|---|---|---|---|
| Sendwave | $2.49 | 154.12 | JMD38,147.01 | Standard |
| Sharemoney | $2.99 | 154.37 | JMD38,130.66 | Standard |
| Ria | $4.90 | 155.16 | JMD38,029.72 | Standard |
| Remitly | $2.99 | 153.00 | JMD37,792.53 | Standard |
| Western Union | $6.99 | 152.14 | JMD36,971.42 | Standard |
Check today's rate and fee for your exact amount before you send.
Comparison data is captured on a dated snapshot and refreshed periodically; competitor pricing changes often. Your Sharemoney rate and fee are always shown live in the calculator before you confirm.
See Today's RateTrusted Delivery Partners in Jamaica
Sending Money to Jamaica: What You Should Know
What it costs to send money to Jamaica
Sharemoney keeps pricing simple: one flat transfer fee, starting at $2.99 when you pay with a debit card, plus the exchange rate you see on screen before you confirm. There are no hidden charges added later, and your recipient in Jamaica does not pay anything to receive the money. The total cost of a transfer always comes down to two things, the fee and the rate, and Sharemoney shows you both, together with the exact amount of Jamaican dollars your recipient will get, before you pay a cent. Credit cards are accepted too, though they carry a higher fee and your card issuer may treat the payment as a cash advance with its own interest charges, so a debit card is the least expensive everyday way to send. Paying directly from your bank account is also available on most transfers.
Your first three transfers are fee free, and your first one also comes with a preferential exchange rate. Valid on qualifying transfers up to $500 each with a debit card, and not combinable with other promotions. After that, the same low flat fee applies whether you choose bank deposit or cash pickup, so the method you pick is about what works for your family, not about cost. And if you refer friends who also send money home, Sharemoney's referral program rewards you for it.
The USD to JMD exchange rate, explained
When you send US dollars, your recipient collects Jamaican dollars, and the exchange rate determines exactly how many. Sharemoney updates its USD to JMD rate throughout the day and shows it to you before you pay: you will always see the fee, the rate and the exact amount your recipient gets, all on one screen, and the rate you accept at confirmation is the rate applied to your transfer. That upfront view matters more than any single day's rate, because providers price transfers differently: some advertise a low fee and make it back on a weaker exchange rate, so a transfer that looks cheap can deliver fewer Jamaican dollars in your family's hands. The honest comparison is the amount your family actually receives.
If you want to check numbers for a specific amount, the rates and fees calculator shows live pricing for Jamaica any time, with no account needed. And if you are waiting for a stronger rate before sending, the FX rate tracker lets you set an alert so you know when the USD to JMD rate reaches the level you want.
Bank deposit or cash pickup: which is right for your family?
Bank deposit works best when your recipient already banks with one of Jamaica's major institutions. Sharemoney deposits directly to accounts at NCB, Scotiabank, JN Bank, JMMB Bank, Sagicor Bank, First Global Bank, CIBC FirstCaribbean and VM Building Society, in Jamaican dollars. To set it up you only need two things: your recipient's name exactly as it appears on their account, and their account number.
Cash pickup is the better fit when your recipient prefers money in hand or does not use a bank account day to day. Pickups are paid through the Victoria Mutual network, which covers VMBS branches, VM Money Express shops and authorized sub-agents across the island, a network Victoria Mutual reports at more than 80 locations. Your recipient brings a valid photo ID and the transfer reference number, and collects Jamaican dollars in person. Both methods carry the same flat Sharemoney fee, starting at $2.99 for bank deposit and $2.99 for cash pickup with a debit card.
Coverage across Jamaica, from Kingston to MoBay
Wherever your family is on the island, there is a way to reach them. In Kingston and St. Andrew, Portmore and Spanish Town in St. Catherine, and Montego Bay in St. James, recipients can choose between bank branches and Victoria Mutual pickup points in the main commercial centers. Bank deposit reaches account holders anywhere in Jamaica, including Mandeville, May Pen, Ocho Rios and smaller communities, because the money goes straight into the account rather than to a physical counter. For cash, the Victoria Mutual network extends beyond the cities through its sub-agent locations, which is what islandwide means in practice: your recipient does not need to travel to Kingston to collect their money.
Coverage matters on the sending side too. Sharemoney serves customers across the United States, including the communities where most Jamaican families live: New York, New Jersey, South Florida, Connecticut and Georgia. The website and support are available in English, Spanish, French, Portuguese and Vietnamese. Whether you are sending from Brooklyn to a parent in St. Andrew or from Fort Lauderdale to a cousin in St. James, the process, the fee and the delivery options are the same.
Is Sharemoney safe for sending money to Jamaica?
Yes. Sharemoney is a licensed US money transmitter (NMLS #899521), regulated federally and by state banking authorities including the New York State Department of Financial Services and the Texas Department of Banking. Every transfer is protected with extended validation SSL encryption and multi-factor authentication, and Sharemoney never sells your personal information to third parties. The service has operated since 2014 as part of Omnex Group, an international money transfer company founded in 1989, and customers rate it highly on Trustpilot. If a transfer cannot be completed for any reason, Sharemoney refunds the transaction in full.
Protection also extends to how you send: a dedicated team monitors transactions for fraud, as required by the Bank Secrecy Act and other US regulations, and the same rule applies here as with any remittance. Only send money to people you know personally, and never share your transfer reference number with anyone except your recipient. If anything ever looks off, you can track every transfer in real time in the app and reach customer support whenever you need help, in five languages.
Sending money home for the first time
Getting started takes a few minutes. Create your free account on the Sharemoney app or website, verify your email and phone number, and add your recipient: their name and phone number for cash pickup, or their bank name and account number for a deposit. Having those details ready before you start makes the whole process faster, usually under three minutes once your account is set up. Choose how much to send, pick your payment method, and review the fee, exchange rate and the exact amount in Jamaican dollars before you confirm; nothing is charged until you approve that summary.
First transfers can take slightly longer while your phone number and payment source are verified, and returning customers send in just a few taps. After that, you can track the transfer in the app with real-time notifications, and your recipient is alerted the moment the money is available for pickup or lands in their account. Many senders set up their account ahead of the times of year that matter most, like Christmas, back-to-school season in late summer, and Independence Day celebrations in August, so the money arrives without a last-minute rush. The Sharemoney app is available on iOS and Android, and sending limits allow up to $2,999.99 every 24 hours or every 15 days, and up to $9,999.99 over 180 days.
Frequently Asked Questions About Sending Money to Jamaica
Can I use Zelle to send money to Jamaica?
No. Zelle only works between US bank accounts, so it cannot deliver money to Jamaica. To send from the USA, use a licensed international transfer service like Sharemoney, which deposits Jamaican dollars directly to major Jamaican banks or pays out cash through the Victoria Mutual network.
How do I send money to an NCB or JN Bank account in Jamaica?
Choose bank deposit, select your recipient's bank, and enter their name exactly as it appears on the account plus their account number. Sharemoney deposits in Jamaican dollars to NCB, JN Bank, Scotiabank, JMMB Bank, Sagicor Bank, First Global Bank, CIBC FirstCaribbean and VM Building Society.
How long does a transfer to Jamaica take?
Most transfers arrive within minutes. Delivery times can vary with the receiving bank, your payment method and any verification requirements, and first transfers may take a little longer while your account is confirmed. You can track every transfer in real time in the app.
Where can my family pick up cash in Jamaica?
Cash pickups are paid through the Victoria Mutual network: VMBS branches, VM Money Express shops and authorized sub-agents islandwide, a network Victoria Mutual reports at more than 80 locations. Your recipient just needs a valid photo ID and the transfer reference number.
How much does it cost to send $100 to Jamaica?
The transfer fee starts at $2.99 when you pay with a debit card, and the same flat fee applies to bank deposit and cash pickup. The exact amount your recipient gets depends on the day's USD to JMD rate, which you can check in the calculator before sending.
Can I pay with a credit card?
Yes. Sharemoney accepts Visa and Mastercard credit cards. A debit card is the least expensive way to pay for your transfer: card issuers often treat a credit card payment as a cash advance and charge extra interest, so most customers pay with debit.
What are the sending limits to Jamaica?
You can send up to $2,999.99 every 24 hours or every 15 days, and up to $9,999.99 in any 180-day period. Additional rules and state regulations may apply, and larger transfers may require extra verification.
Is there a US tax on money transfers to Jamaica?
A 1% federal excise tax applies to some remittances funded with cash or money orders. Transfers paid with a debit card or directly from a bank account are exempt, which covers the way most Sharemoney customers send. For details, see our guide to the US remittance tax.
What app can I use to send money to Jamaica?
The Sharemoney app, available on iOS and Android, lets you send to Jamaica in a few taps: pick bank deposit or cash pickup, see the rate and fee up front, pay with your card or bank account, and track delivery in real time. Your first transfers are fee free, up to $500 each with a debit card.
Your first 3 transfers to Jamaica are on us
Families across the US use Sharemoney to send money home to Jamaica: straightforward pricing, delivery to major Jamaican banks or cash pickup islandwide, and support whenever you need it. Your first 3 transfers are fee-free, and your first transfer also gets a preferential exchange rate (up to $500 each with a debit card; not combinable with other promotions).