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.
Send money to Tajikistan with WorldRemit
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Send money to Tajikistan with WorldRemit
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An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.
Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
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.
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 1
Money Transfer Company 2
1 AUD = 3.88 TJS
1 AUD = 4.20 TJS
Within 2 days
Within 2 days
Online, cash pickup
Amount received for $1,000 (in TJS)
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.
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.
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.
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.
Gafurova Ul 30 Dushanbe, 734001 Phone. +992-44915-158989 Open Monday to Friday 7:30am to 5pm, Saturday 7:30am to 1pm
Rudaki Ul 83 Dushanbe, 734001 Phone. +992-44904-576363 Open Monday to Friday 7:30am to 5pm, Saturday 7:30am to 1pm
30 Letie Pobedy Ul B N Khudzhand, 735700 Phone. +992-3422-64830 Open 8am to 5pm Monday to Friday, 8am to 1pm on Saturday
Shark Ul 84 Khudzhand, 735700 Phone. +992-342-40966 Open 8am to 5pm Monday to Friday, 8am to 1pm on Saturday
Borbad Ulitsa 121 Dushanbe, Phone. 904240699 Open Monday to Friday 7:30am to 5pm, Saturday 7:30am to 1pm
Borbad Str. 165 Dushanbe, 734067 Phone. 9923722311728 Open 8am to 4pm Monday to Friday, 8am to 5pm on Saturday
Lenina Ulitsa 203B Sugdskaya Oblast Khujand, Phone. 342244037 Open 8am to 4pm Monday to Friday
Lenina Ulitsa 52 Sogdiyskata Oblast Khujand, 735700 Phone. 342261299 Open 8:30am to 4pm Monday to Friday
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.
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.
Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.
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