Whether you’re sending money to a family member, paying tuition, or managing overseas bills, transferring funds from Jamaica to the United States is easier than ever. This 2025 step-by-step guide breaks down the best options, fees, and what you need to get started.
Top Ways to Send Money from Jamaica to the USA
1. Remittance Services (Western Union, MoneyGram, JN Money)
These are the most commonly used and accessible methods:
- Western Union: Available island wide. Funds are sent in USD and can be picked up in cash or deposited in a US account.
- MoneyGram: Fast and widely accepted in the US. Cash pickup or account deposit options.
- JN Money Transfer: Jamaican-owned service with direct US transfers. Funds arrive same-day or next-day.
Requirements:
- Valid government-issued ID
- Recipient’s full name (matching ID), address, and sometimes their phone number
- Cash or debit card for payment
2. Bank Wire Transfer
Most Jamaican banks (Scotiabank, NCB, JN Bank) allow wire transfers to US bank accounts.
You’ll need:
- Your bank account with sufficient funds
- The recipient’s US bank details:
- Bank name
- Account number
- Routing number (ABA)
- SWIFT code
Processing time: 2–4 business days
Typical fee: JMD $2,000 – $6,000 depending on the bank
3. Mobile & Digital Transfer Apps
Some digital platforms now support outbound transfers from Jamaica, including:
- GKOne by GraceKennedy (partnered with Western Union)
- PayPal: Only works if linked to a US bank/card and verified
- International apps via JN or Sagicor cards
Note: Most global apps (like Cash App or Zelle) can only be used from within the US. However, recipients can use them to receive once the funds hit their US account.
How Much Can You Send?
Limits depend on the method:
- Western Union: Up to USD $5,000 per day (with ID and reason)
- Bank wire transfers: No hard limit, but large transfers require additional documentation
- Digital apps: Daily or monthly caps, depending on verification level
Tips to Save on Fees
- Send larger amounts less often — fewer transactions = lower cumulative fees
- Compare services (some offer promotional rates or discounts)
- Ask your recipient which platform is most convenient for them
Can You Send Money Without a Bank Account?
Yes. Using Western Union, MoneyGram, or JN Money, you can send cash directly from an agent location with a valid ID. No account needed.
What’s the Best Method?
Quick and Easy: Western Union or JN Money
Best for Large Transfers: Bank wire
Best for Frequent Use: GKOne or JN Mobile App
