Ways to send money to Jamaica without breaking your piggy bank


If you need to send an international money transfer to Jamaica, here’s how you can find an easy and affordable way to transfer funds to your loved ones.

Famous for its relaxed lifestyle, its beautiful beaches and its Olympic sprinters, the Caribbean island nation of Jamaica is one of the world’s great tourist destinations. If you ever need to send money to Jamaica from Australia – maybe to help out a cash-strapped relative travelling through the Caribbean – there are plenty of ways to do so.

However, in order to ensure that you get the best possible deal, shop around and compare the services offered by different transfer providers.

International money transfer offer

WorldFirst International Money Transfers

  • Worldwide access
  • Competitive exchange rates
  • 24-hour online payments system
  • Fast international payments process

International money transfer offer

Great rates and $0 transfer fees for Finder customers. Access live rates, currency converter and market updates via the WorldFirst Money Transfer mobile app.

  • Minimum transfer amount: $2,000
  • Online transfer fee: $0
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Compare options for sending money to Jamaica

Rates last updated September 21st, 2018
Name Product Min. Transfer Amount Transfer Speed Services Description Online Transfer Fee Rate Amount Received
TorFX International Money Transfers
AUD 200
1 day
Online, Phone, Agent
TorFX guarantees to match any competitor's exchange rate for a transaction. Conditions apply.
Send money overseas in 45 currencies. Once registered, you'll be assigned an Account Manager who can provide support and guidance.

WorldFirst International Money Transfers
AUD 2,000
1 day
Online, Phone, Bank Account to Bank Account
Great rates and $0 transfer fees for Finder customers. Access live rates, currency converter and market updates via the WorldFirst Money Transfer mobile app.
The ‘Rate’ and ‘Amount Received’ displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

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Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options. Our foreign exchange experts offer a best rate guarantee, are ASIC authorised and never charge transfer fees.

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Banks versus money transfer companies

Many people automatically assume that the best way to send money overseas is via their bank. While banks do offer a convenient transfer solution, they offer a disappointing deal from a financial perspective. Their transaction fees are high and their exchange rates are often quite dismal, which means even a small transfer can end up costing much more than it should.

This underwhelming transfer service has led to the creation of a raft of online money transfer companies. These providers, such as WorldFirst and WorldRemit, specialise in moving money internationally, and as such they can offer superior exchange rates to the banks. Their transfer fees are typically much lower as well, so don’t hesitate to compare your transfer options before lodging a transaction request.

Carter Sends Money to Jamaica

Carter is holidaying in Australia when he gets an emergency call from his sister Veronica. Veronica has been involved in a car accident and needs some urgent funds to help get her vehicle back on the road. Carter offers to send her $1,000 to help, but is disappointed to see that his bank will offer a low exchange rate and also charge a $25 fee on his transfer. He compares two money transfer companies to see if he can find a more cost-effective transfer option.

As you can see in the table below, Carter can send an extra 426.30 JMD if he uses the second transfer company.

Money transfer company 1Money transfer company 2
Exchange rate1 AUD = 83.9813 JMD1 AUD = 84.4076
Transfer fee$0$0
Transfer methodOnline bank account transferOnline bank account transfer
Processing time1-3 days1-3 days
Amount received (in JMD)83,981.3084,407.60

How do I compare transfer companies when transferring and receiving money via Jamaica?

  • Exchange rates. Compare exchange rates between providers to see which company offers the highest rates. However, keep an eye out for any high transaction fees that may also be attached.
  • Transfer fees. Many companies will charge a fee on every transaction, so see how much those fees are and whether there’s a way you can avoid paying them.
  • Transfer methods. Compare the methods available for lodging a transfer: online, over the phone, in a branch or using a free mobile app.
  • Transfer options. Check whether the company offers a range of flexible transfer options in addition to one-off spot transfers. These include forward contracts, limit orders and the ability to schedule repeat payments.
  • Minimum and maximum limits. Does the company enforce minimum and maximum limits on the amount you can transfer?
  • Processing times. How long will it take until your recipient can access the money you send? Some companies offer transfers in as little as a few minutes, but these transactions tend to cost more.
  • Pickup options. Some companies offer cash pickups while others offer bank account deposits or mobile airtime transfers.
  • Customer service. Will phone, email and/or live chat customer support be available if you ever have a question about a transaction?
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How do I send money to Jamaica from Australia?

  • Specialist transfer providers. Specialist online transfer companies such as WorldFirst and WorldRemit offer this service.
  • Cash pickup transfer companies. Check whether Western Union or MoneyGram has convenient cash pickup locations close to your recipient.
  • Bank transfers. Compare your bank’s fees and exchange rates with those offered by other transfer providers.
  • PayPal. PayPal customers in Australia can use the company’s international money transfer service to send funds to Jamaica.
  • International cheques. Another option is to post an international guaranteed cheque to Jamaica.

How do I receive money from Jamaica in Australia?

  • Specialist transfer providers. Do some research to find out which specialist transfer companies offer transactions from Jamaica to Australia.
  • Cash pickup transfer companies. Research online to find your nearest Western Union or MoneyGram location.
  • Bank transfers. Another option is to receive a transfer from a Jamaican bank account into your Australian bank account.
  • PayPal. PayPal’s international money transfer service is convenient for small transfer amounts.
  • International cheques. Check with your bank to find out how much it will cost you to cash a cheque from overseas.
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Emergency cash transfers in Jamaica

When you need to send funds to Jamaica quickly, companies such as Western Union and MoneyGram offer cash transfers that can be completed in as little as ten minutes. However, be aware that urgent cash transfers usually cost more than online transactions processed at normal speed. Higher fees and lower exchange rates apply, so review the full details of your transaction before you transfer any funds.

Cash pickup locations Western Union/MoneyGram branches in Jamaica

If you want to send a cash pickup transfer to Jamaica, Western Union and MoneyGram can help. Both have extensive transfer networks and you can see the details below of some of their popular cash pickup locations in Jamaica. Phone ahead to check an agent’s address and opening hours before visiting, and make sure to take proof of ID when you go to collect any funds.

Western Union

  • Kingston

    Bejon Ltd
    111b Molynes Rd
    Kingston 20, St Andrew
    Open 7am to 11pm Monday to Saturday

  • Auto Tech

    59 C Waltham Park Road
    Kingston 11
    Kingston, St Andrew
    Open 7am to 11pm Monday to Saturday

  • Montego Bay

    True North Ventures Limited
    Catherine S Peak Office
    Unit B Sagicor Commercial Comp
    Freeport Montego Bay, St James
    Open 7am to 11pm Monday to Saturday

  • Hometown Supermarket Overton

    Shop 9 Overton Plaza
    P O Box 1130
    Montego Bay, St James
    Open 7am to 11pm Monday to Saturday


  • Kingston

    Huhenden Pharmacy
    111 Molynes Road
    Kingston 10,
    Open 24/7

  • Jordan Wholesale

    44 Waltham Park Road
    Open 24/7

  • Montego Bay

    Sunrise Employment Agency
    Suite 4 Rose Hall
    674 Half Moon Street
    Montego Bay,
    Open 24/7

  • New Unico Sales & Services

    30 Union Street
    Montego Bay
    Open 8am to 8pm Monday to Saturday

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Tips for picking up cash in Jamaica

The Department of Foreign Affairs and Trade advises Australian travellers in Jamaica to exercise a high degree of caution, so keep the following tips in mind when picking up cash:

  • Only visit an agent in an area where you feel safe
  • Don’t go alone – take one or more friends along with you
  • Keep your cash concealed and don’t wave it around in front of strangers
  • Deposit the money in a safe place as soon as possible

What are the steps to send money to Jamaica?

  • Sign up for an account. The first step in the transfer process is usually to sign up for a free account online. You’ll need to provide your name, contact details and photo ID.
  • Enter your transaction information. Provide details of who you are sending the money to and in what country they are located. You’ll also need to enter the amount you wish to send and your chosen currency.
  • Finalise your transfer. After reviewing the full cost of your transaction, submit your transfer request and then use your receipt to track the progress of your funds.

International Money Transfer Offers

Important Information*
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate for a transaction. Conditions apply.
Send money overseas in 45 currencies. Once registered, you'll be assigned an Account Manager who can provide support and guidance.

OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers. Transfer any amount from $250 upwards. $0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.

WorldFirst International Money Transfers

Great rates and $0 transfer fees for Finder customers. Access live rates, currency converter and market updates via the WorldFirst Money Transfer mobile app.

FC Exchange International Money Transfers

FC Exchange will match any competitor's exchange rates. Conditions apply. No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies. No maximum transfer amount.

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