The Cheapest Way to Send Money to the USA

Sending money.
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Sending money can be tricky. You worry about your check making it to the destination safely. You have many methods to choice from when sending money to someone in the United States that take anywhere from several weeks to several minutes to reach the recipient. Some methods are affordable, others are not. Whether you are from the US yourself or sending money from overseas, there are plenty of ways to ways to get money safely into the hands of someone who needs it without going broke.

Sending Checks Through the Mail

Mail a check.
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Sending money through the post office is an affordable option for sending a check. Mailing someone money can be nerve wracking but the USPS offers many services to help ease your mind. Remember, no matter what kind of protection you use, never send cash through the mail. Always send a personal check, cashier's check or money order.

FedEx and UPS offer the same services for shipping money to the United States. Costs start at $5.00 and rise depending on where you are sending the money from. Both offer online tracking so you can rest easy knowing that the check is on its way.

Online Transfer

Online transfers.
Image Credit: Medioimages/Photodisc/Photodisc/Getty Images allows easy and secure money transfers to anyone with an email address. You simply enter the recipient's email address and the amount of money to be sent. The recipient receives an email stating that the money is available. He then logs on to and transfers the money to his own bank account, which takes up to a week.

If the recipient does not have a account, he will need to sign up for one in order to claim his money. Signing up is free. If he would prefer not to transfer to a bank account, can send him a paper check for a fee. It will arrive in about a week and a half.

Instant transfer

Wire transfer through credit card.
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Western Union and Money Gram offer instant services. You can pay by cash or debit card and send money to someone anywhere in the world instantly. The cost of sending $100 within the United States is between $10 and $15 and slightly more when sending money from outside of the US.

While the cost is a bit more than online transfer or traditional mail services which take longer, using these money wiring services are instant and far more affordable than overnight delivery from the USPS, FedEx or UPS. When you need to get money to someone as quickly as possible, this service is an affordable, easy choice.