Haiti received over $4 billion in remittances in 2024 — and every dollar matters. But high fees, bad exchange rates, and slow transfers are draining money from Haitian families. This guide compares every major option so you can send more, faster.
Remittances are the backbone of Haiti's economy. In 2024, Haitian families received $4.1 billion from the diaspora — nearly 20% of the country's GDP. About 70% of that comes from the United States, with large communities in Florida, New York, Massachusetts, and Canada.
For millions of families in Port-au-Prince, Cap-Haïtien, Les Cayes, and across the countryside, money sent from abroad pays for food, school fees, rent, electricity, and medical care. When fees are high or transfers are slow, real people suffer.
The average cost of sending $200 to Haiti in 2025 was around 5.5% — more than double the United Nations' target of 3%. On a $200 transfer, that's $11 taken from your family before they see a single goud. Over a year of monthly transfers, that's over $130 lost in fees alone.
Choosing the right service can save you $50–$200 per year on remittances. The differences between providers are significant — both in fees and in how fast money arrives.
When you send money to Haiti, your recipient can receive it in several ways. Understanding the options helps you choose what's best for your family's situation.
MonCash is Haiti's most widely used mobile wallet, operated by Digicel. With over 2 million registered users, it lets recipients receive money directly on their phone — no bank account required. Recipients can use their MonCash balance to pay bills, buy goods at merchants, send money to others, or withdraw cash at any Digicel agent.
To receive money on MonCash, your recipient just needs an active Digicel phone number. Transfers typically arrive in under 5 minutes.
NatCash is the mobile wallet from Natcom (National Telecom S.A.), Haiti's second largest telecom. It works similarly to MonCash and is especially popular in areas with strong Natcom coverage. NatCash only works with Natcom numbers and handles transfers in Haitian Gourdes (HTG).
Recipients with accounts at Haitian banks (BNC, Unibank, Sogebank, BPH) can receive transfers directly. Bank transfers are more formal and sometimes required for larger amounts, but they take 1–3 business days and require the recipient to have an active bank account — which many Haitians don't have.
Traditional services like Western Union and MoneyGram offer cash pickup at agents around Haiti. The recipient shows ID and picks up cash. This works even without a phone or bank account, but fees are typically highest for this option.
We compared the total cost of sending $200 USD to Haiti across all major services. The total cost includes the transfer fee plus any margin on the exchange rate.
| Provider | Transfer Fee | Exchange Rate | Speed | MonCash? | NatCash? |
|---|---|---|---|---|---|
| TchotchoPay | 1–2% | Mid-market | ~5 min | ✅ | ✅ |
| Ria Money Transfer | 2–4% | Small spread | Minutes | ✅ | ❌ |
| TapTap Send | 1–3% | Mid-market | Minutes | ✅ | ❌ |
| BOSS Revolution | 2–5% | Moderate spread | Minutes | ✅ | ❌ |
| Remitly | 2–5% | Spread varies | Minutes–hours | ✅ | ✅ |
| Western Union | 3–7% | High spread | Minutes (cash) | ❌ | ❌ |
| MoneyGram | 4–8% | High spread | Minutes (cash) | ❌ | ❌ |
* Fees may vary based on payment method, amount, and promotions. Always check the final amount before confirming. Data as of October 2026.
Some providers advertise "no fee" transfers but make money on the exchange rate. Always check how many gourdes your recipient will actually receive, not just the fee percentage. A 0% fee with a 5% exchange rate markup costs more than a 2% fee at the mid-market rate.
The USD to Haitian Gourde (HTG) exchange rate has been volatile in recent years. As of late 2026, 1 USD buys approximately 130–140 HTG on the open market — but many remittance services offer 10–15% below this rate, quietly taking a cut on every transfer.
Here's a real example: If the mid-market rate is 135 HTG per dollar and you send $200, your recipient should get 27,000 HTG. But if the service uses a rate of 120 HTG per dollar, they only get 24,000 HTG — that's 3,000 gourdes (about $22) quietly taken from your family.
TchotchoPay shows you the live exchange rate before you confirm — what you see is what your family gets. Use our free send money calculator to see exactly how much will arrive in gourdes.
Sending money with TchotchoPay takes less than 2 minutes once your account is set up. Here's how it works:
MonCash is the easiest and fastest way for your family to receive money in Haiti. Here's everything you need to know.
MonCash has daily and monthly receive limits set by Digicel:
Encourage your recipient to keep their MonCash balance in gourdes for everyday spending. This avoids withdrawal fees and is more convenient than cash for bill payments and merchant purchases.
NatCash is operated by Natcom and is particularly strong in northern Haiti. If your family uses Natcom as their carrier, NatCash may be more convenient than MonCash.
TchotchoPay offers something no traditional remittance company does: the ability for your family to hold their money as USDC — a digital dollar that doesn't lose value to the Haitian gourde's inflation.
The Haitian gourde (HTG) has lost significant value over the past decade. In 2015, $1 USD bought roughly 50 HTG. Today it buys over 130 HTG — meaning gourdes have lost over 60% of their value against the dollar in 10 years. Families who hold gourdes watch their savings erode.
With TchotchoPay's USDC wallet, recipients can:
This is built on the Base blockchain — an Ethereum Layer 2 that makes transfers near-instant and costs fractions of a cent. Your family doesn't need to understand blockchain — they just see a balance in dollars that never goes down.
Low fees, live exchange rates, MonCash & NatCash delivery in minutes
Get Started Free Calculate your transferTchotchoPay charges 1–2% with no hidden exchange rate markups, making it one of the most affordable options available. Traditional providers like Western Union and MoneyGram typically charge 3–8% when you factor in fees and exchange rate spreads.
Sign up at TchotchoPay, add funds, and enter your recipient's Digicel phone number. Select MonCash as the delivery method and confirm. Funds typically arrive in under 5 minutes. Your recipient will get an SMS when the money is in their MonCash wallet.
Yes — TchotchoPay supports NatCash transfers to Natcom phone numbers in Haiti. Keep in mind NatCash only accepts whole gourde amounts (no cents).
MonCash and NatCash mobile wallet transfers typically arrive in under 5 minutes. Bank account transfers take 1–3 business days depending on the Haitian bank.
Transfer limits depend on your identity verification level. Basic accounts can send up to $1,000/month. Fully verified accounts have higher limits. MonCash recipients also have their own receive limits set by Digicel.
You need a US bank account, debit card, or credit card to load funds into TchotchoPay. Your recipient in Haiti does not need a bank account — they can receive via MonCash or NatCash mobile wallet.
TchotchoPay uses bank-grade security including HMAC authentication, encrypted connections, and identity verification for all users. We use Stripe for payment processing and Persona for KYC verification — the same providers trusted by major US fintech companies.
"Voye lajan Ayiti" means "send money to Haiti" in Haitian Creole. It's how the diaspora talks about sending remittances home. TchotchoPay was built specifically for this — by Haitians, for Haitians. Learn more in Creole here.