Send money to Tajikistan Effectively

Information verified correct on October 22nd, 2016

Compare your options to find the best exchange rate and enjoy low fees when you need to transfer money to Tajikistan.

If you need to send money to Tajikistan, you may be a little confused as to the best way to go about it. Perhaps you’ve migrated to Australia from Tajikistan and still have some expenses to take care of back in your homeland, or maybe you’ve got a relative travelling through Tajikistan who is need of some urgent cash to pay for airfares or accommodation.

Whatever the case may be, you have several options to choose from when you want to send money to Tajikistan. From companies like Western Union and MoneyGram to dedicated online transfer providers, you can find an attractive exchange rate and competitive fees for your next international money transfer.

Compare companies that transfer funds to Tajikistan

Rates last updated October 22nd, 2016
Description Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received
Western Union International Money Transfers
Western Union International Money Transfers
Send money online to friends and family around the world with Western Union. AUD 1 Same day Online, Phone, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order Go to site More

Banks vs money transfer companies

The national currency in Tajikistan, the Tajikistani Somoni (TJS), is not commonly traded on global currency markets. While there are some banks, for example Commonwealth Bank, who enable you to send money to Tajikistan, many Australian banks do not offer this service. In addition, banks are typically not your best option when it comes to international money transfers as they offer poor exchange rates and often charge high fees.

In fact, you’re usually much better off financially when you send money using a dedicated money transfer company or service. These sorts of providers tend to offer much higher exchange rates than the big banks, while at the same time charging lower transfer fees. In addition, money transfer companies can often provide faster processing times than banks, making them an option definitely worth considering for your next transfer.

Case study: Belle Sends Money to Tajikistan

Belle wants to send a gift of $1,000 to her grandma in Tajikistan, but she wants to find the most affordable way of doing so. Her bank doesn’t offer transfers to Tajikistan, so she decides to compare the features provided by two competing money transfer companies.

Money Transfer Company 1Money Transfer Company 2
Exchange rate1 AUD = 3.88 TJS1 AUD = 4.20 TJS
Transfer fee$15$0
Transfer timeWithin 2 daysWithin 2 days
Transfer optionsOnline, cash pickupOnline only
Amount received for $1,000 (in TJS)3,8804200

Belle’s comparison reveals that she can save 320 TJS by using the second provider, plus she can also avoid paying the $15 transfer fee. This allows her to send as much of her money as possible to her beloved grandma.

Back to top

How to compare transfer companies when transferring money to Tajikistan

You can save yourself a lot of money and a lot of stress by shopping around for the right money transfer company. When comparing companies the following features are some of the things to consider when choosing a company.

  • Exchange rates. While you obviously want to look for a company that offers the most attractive exchange rates, keep in mind that some companies with slightly lower rates will also charge lower fees.
  • Transfer fee. Most companies will charge you a fee for sending money overseas, although some companies will waive this fee if you reach a certain transfer amount.
  • Transfer time. How long does each company take to process transfers? Can your cash be picked up within minutes or will you have to wait several days for it to arrive?
  • Transfer and pick-up methods. Are transfers completed online, over the phone or by visiting a branch? Can you pick up cash from an agent location or is it delivered directly into your recipient’s bank account?
  • Transfer options. Compare the flexible features companies offer to help you organise future transfers and take advantage of fluctuating market rates, such as the ability to make regular scheduled payments, or to lodge forward contracts or limit orders.
  • Minimum amount. Be aware of the fact that some companies will require you to transfer at least a certain minimum amount each time you send funds overseas.
  • Customer service. Customer service is an important feature of any company as you need to know that help will be on hand should you ever require it. Look to see if a company has a call centre, an online help centre and a live online chat service.
Back to top

Ways to send money to Tajikistan from Australia

You can choose from the following options when transferring funds overseas.

  • Bank to bank transfers. While most banks do not allow you to transfer funds to Tajikistan, some do.
  • Money transfer providers. Companies like Western Union and MoneyGram allow you to send money which can then be picked up from scores of agent locations across Tajikistan within minutes.
  • Online money transfer companies. Companies like Exchange4free and Send Money 24 offer online money transfers with low or even zero fees.
  • International money order. You can also elect to adopt a more traditional method of transferring funds by getting an international guaranteed cheque from your bank.
Back to top

Emergency cash transfers in Tajikistan

When you need to transfer funds urgently, such as if a friend or relative needs an emergency cash infusion, it can be easy to forget to do your due diligence before lodging a transfer. However, it’s important that you take the time to double check the exchange rate you are getting and any fees that apply to your transaction. Taking a little extra care will ensure that you don’t end up significantly out of pocket.

Back to top

Cash pickup locations in Tajikistan: Western Union and MoneyGram branches

If you send funds via Western Union or MoneyGram, check out the list of popular pickup locations in Tajikistan below. If you’re picking up the cash from a big transfer, it may be a good idea to phone ahead and ensure that the agent you choose has enough cash available to hand over to you. You’ll also need to supply ID and details of your transaction.

Western Union

  • AgroInvest Bank

    Gafurova Ul 30
    Dushanbe, 734001
    Phone. +992-44915-158989
    Open Monday to Friday 7:30am to 5pm, Saturday 7:30am to 1pm

  • AgroInvestBank

    Rudaki Ul 83
    Dushanbe, 734001
    Phone. +992-44904-576363
    Open Monday to Friday 7:30am to 5pm, Saturday 7:30am to 1pm

  • AgroInvestBank

    30 Letie Pobedy Ul B N
    Khudzhand, 735700
    Phone. +992-3422-64830
    Open 8am to 5pm Monday to Friday, 8am to 1pm on Saturday

  • AgroInvestBank

    Shark Ul 84
    Khudzhand, 735700
    Phone. +992-342-40966
    Open 8am to 5pm Monday to Friday, 8am to 1pm on Saturday


  • AgroInvestBank

    Borbad Ulitsa 121
    Phone. 904240699
    Open Monday to Friday 7:30am to 5pm, Saturday 7:30am to 1pm

  • Bank Eskata

    Borbad Str. 165
    Dushanbe, 734067
    Phone. 9923722311728
    Open 8am to 4pm Monday to Friday, 8am to 5pm on Saturday

  • Finca

    Lenina Ulitsa 203B
    Sugdskaya Oblast
    Phone. 342244037
    Open 8am to 4pm Monday to Friday

  • AccessBank Tajikistan

    Lenina Ulitsa 52
    Sogdiyskata Oblast
    Khujand, 735700
    Phone. 342261299
    Open 8:30am to 4pm Monday to Friday

Back to top

Tips for picking up cash in Tajikistan

If you’re travelling to Tajikistan, the Department of Foreign Affairs and Trade recommends that you ‘exercise a high degree of caution' Keeping this in mind, it’s important that you are extremely careful when picking up cash in Tajikistan. Take a friend with you if at all possible, and don’t advertise the fact that you are picking up a large sum of cash. Use common sense and avoid areas where you are likely to get mugged, and head to a bank straight away to deposit your funds.

You can find more travel safety tips at the multiple online blogs and forums that offer advice to travellers.

Back to top

How can you send money to Tajikistan?

Whether you conduct a bank to bank transfer or use the services of a dedicated money transfer company, you have plenty of options to choose from when sending money to Tajikistan. Whichever option you choose, you will usually have to set up an account before you can lodge a transfer. In addition to providing your name, contact details and date of birth, you’ll also need to satisfy identification requirements when opening an account.

Once you’ve lodged a transfer, keep your receipt and any tracking number you are given to monitor the progress of your transaction.

Finally, it’s impossible to over-emphasise the importance of shopping around for the best deal when it comes to international money transfers. Compare the fees, features and exchange rates of different providers to find the right one for you.

Back to top
Was this content helpful to you? No  Yes

Related Posts

International Money Transfer Offers

Learn about our information service
TorFX International Money Transfers

TorFX guarantee to beat any competitor's exchange rate for a transaction
Conditions apply

Exclusive: World First Foreign Exchange

Exclusive offer: $0 transfer fee
Transfer money into a range of currencies online and over the phone.

Exclusive: CurrencyFair International Money Transfers

Exclusive offer: 3 Free transfers (after your first transfer).
A peer-to-peer transfer service with a large range of currencies on offer.

Exclusive: OFX (Ozforex) International Money Transfers

Exclusive offer: Special exchange rates and $0 transfer fee
OFX is currently offering exclusive exchange rates and $0 transfer fee on all transfers.

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

Ask a question