Best apps to send remittances to Cuba 2025: Complete comparison

TheRemittance apps to CubaThey have revolutionized the way we send money to the island. In 2025, dozens of applications compete for offering the best rates, speed and convenience. This guide analyzes the best options available.

Why use an app to send remittances?

Remittance mobile applications offer significant advantages over traditional methods:

• 📱 From anywhere: Send money without leaving home
• ⚡ Quick transfers: Most processes in less than 24 hours
• 💰 Lower commissions: 3-7% vs 10-15% in physical agencies
• 📊 Total transparency: You see the exact amount that the beneficiary will receive
• 🔒 Banking Security: Official encryption and regulation

Top 7 apps to send remittances to Cuba

1. Remitly - Best General Option

Platform:iOS, Android, WebQualification:⭐⭐⭐⭐⭐ (4.7/5)Available countries:USA, Canada, United Kingdom, Spain, Italy

Outstanding characteristics:

• ✅ First transfer without commission
• ✅ Two speeds: Express (minutes) and Economy (1-3 days)
• ✅ Delivery or refund guarantee
• ✅ SUPPORT IN SPANISH 24/7

Commissions:

• Express:$ 3.99- $ 5.99 USD for $ 100 USD
• Economy:$ 0- $ 1.99 USD (slower)

Payment methods:

• Visa/Mastercard cards
• Direct bank account
• Google Pay / Apple Pay

Collection methods in Cuba:

• Effective in CUP (Fincimex Points)
• Bank deposit
• MLC card

Boundaries:

• New user:$ 2,999 USD per transfer
• Verified user:$ 6,000 USD per transfer

Advantages:

• Very intuitive interface
• Constant promotions
• Real -time tracking
• Excellent mobile app

Disadvantages:

• Express is more expensive than competition
• Identity verification can take 24h

Example price:Send $ 200 USD = $ 203.99 (Express) or $ 200 (Economy)

2. XOOM (PayPal) - Better for PayPal users

Platform:iOS, Android, WebQualification:⭐⭐⭐⭐ (4.5/5)Available countries:160+ countries

Outstanding characteristics:

• ✅ Total integration with PayPal
• ✅ Shipping from PayPal Balance (no additional commission)
• ✅ Automatic PayPal Creek
• ✅ Multiple delivery options

Commissions:

• Card/paypal:$ 4.99 USD for $ 100
• Bank account:$ 0.99 USD for $ 100

Payment methods:

• PayPal balance (favorite)
• PayPal linked cards
• USA/Europe Bank Account

Collection methods in Cuba:

• Effective in CUP
• Bank deposit
• Cubacel mobile recharge (bonus)

Boundaries:

• By transaction:$ 10,000 USD
• By day:$ 10,000 USD
• Per month:$ 60,000 USD

Advantages:

• No commission if you use a bank account
• PayPal Buyer Protection protection
• Easy cancellation before collection
• Family Interface for Users PayPal

Disadvantages:

• Require PayPal account
• Less favorable exchange rate
• Limited customer service in Spanish

Example price:Send $ 300 USD = $ 300.99 (from account)

3. Ria Money Transfer - Better global coverage

Platform:iOS, Android, Web + 490,000 physical locationsQualification:⭐⭐⭐⭐ (4.4/5)Available countries:190+ countries

Outstanding characteristics:

• ✅ Hybrid option: APP + Physical Agencies
• ✅ Without amount of amount
• ✅ 200+ collection points in Cuba
• ✅ Frequent promotions for new users

Commissions:

• On-line:$ 3- $ 7 USD for $ 100
• In agency:$ 8- $ 12 USD for $ 100

Payment methods:

• International bank cards
• Direct debit
• Effective in agencies (500+ in the USA)

Collection methods in Cuba:

• Effective in Cadecas
• Fincimex points
• Cuban banks

Boundaries:

• By transfer:$ 2,999 USD (new users)
• Verified:$ 10,000 USD

Advantages:

• Physical network + digital
• Volume discounts
• No amount of amount for verified
• Good coverage in Cuba Rural

Disadvantages:

• Less modern app than Remitly/Xoom
• Variable customer service
• Inconsistent delivery times

Example price:Send $ 150 USD = $ 154.50 (online)

4. Worldremit - Better for Africa and Caribbean

Platform:iOS, Android, WebQualification:⭐⭐⭐⭐ (4.3/5)Available countries:130+ countries

Outstanding characteristics:

• ✅ Specialized in emerging markets
• ✅ option to send mobile recharge directly
• ✅ Aggressive promotions for new users
• ✅ Multiidioma interface (20+ languages)

Commissions:

• Cash transfer:$ 5- $ 9 USD for $ 100
• Mobile recharge:$ 2- $ 4 USD for $ 20

Payment methods:

• International cards
• Bank transfer
• Google Pay / Apple Pay

Collection methods in Cuba:

• Effective in CUP
• Cubacel mobile recharge
• Bank deposit (limited)

Boundaries:

• By transaction:$ 9,000 USD
• By day:$ 9,000 USD

Advantages:

• Unique option: Send mobile recharge
• Promotions: 3 shipments without commission (new users)
• Colorful and friendly interface
• Track with Push notifications

Disadvantages:

• Non -competitive commissions for large amounts
• Variable delivery time (15 min - 48h)
• Slow technical support

Example price:Send $ 100 USD = $ 107 | Refill $ 20 = $ 22

5. Small World - Better for Europe

Platform:iOS, Android, WebQualification:⭐⭐⭐⭐ (4.2/5)Available countries:Europe, UK, USA (Limited)

Outstanding characteristics:

• ✅ Optimized for shipments from Europe
• ✅ Payment in EUR without conversion
• ✅ First free transfer
• ✅ Fidelity program (points)

Commissions:

• First transfer:€ 0 (free)
• Following transfers:€ 1.49- € 4.99 per € 100

Payment methods:

• European cards
• SEPA (EUR Banking Transfer)
• Bizum (Spain)
• Ideal (Netherlands)

Collection methods in Cuba:

• Effective in CUP
• Fincimex points

Boundaries:

• By transaction:€ 1,000 (new)
• Verified:€ 5,000

Advantages:

• Excellent for shipments from Spain
• No EUR conversion → USD → CUP (best rate)
• Generous referral program
• Peninsular Spanish Support

Disadvantages:

• Limited outside Europe
• Slower times (1-3 days)
• Less polished app than competitors use

Example price:Send € 100 = € 101.49 (second transfer)

6. Western Union (app) - Best Physical Network

Platform:iOS, Android, Web + 550,000 locationsQualification:⭐⭐⭐⭐ (4.0/5)Available countries:200+ countries

Outstanding characteristics:

• ✅ Most recognized brand globally
• ✅ Option to pay online and charge at agency
• ✅ Unparallent coverage in Cuba
• ✅ Customer service in 40+ languages

Commissions:

• App:$ 5- $ 8 USD for $ 100
• Physical Agency:$ 10- $ 15 USD for $ 100

Payment methods:

• Bank cards
• Western Union Wallet (APP Balance)
• Effective in agencies

Collection methods in Cuba:

• Effective in 250+ points
• Cadecas
• Banks

Boundaries:

• By transaction:$ 5,000 USD
• Additional verification:$ 50,000 USD

Advantages:

• More reliable (140+ years operating)
• Collection in 30 minutes (majority of cases)
• APP + Physics Hybrid Option
• Most effective problem solving

Disadvantages:

• Higher commissions than modern apps
• Less favorable exchange rate
• Outdated app vs competition
• Most strict identity verification

Example price:Send $ 250 USD = $ 257 (app) or $ 265 (agency)

7. Moneygram - Better for emergencies

Platform:iOS, Android, Web + 430,000 locationsQualification:⭐⭐⭐⭐ (4.1/5)Available countries:200+ countries

Outstanding characteristics:

• ✅ Option "Express" (10 minutes)
• ✅ Without amount of amount
• ✅ APP renewed in 2024
• ✅ Fastsend loyalty program

Commissions:

• On-line:$ 4- $ 7 USD for $ 100
• Express:$ 12- $ 15 USD for $ 100

Payment methods:

• Cards
• Bank account
• Effective in agencies

Collection methods in Cuba:

• Effective in CUP
• Fincimex points
• Cadecas

Boundaries:

• No verification:$ 2,000 USD
• Verified:Without limit

Advantages:

• Faster on the market (10 min Express)
• No limit for verified users
• FASTSEND = progressive discounts
• Good Cuba coverage

Disadvantages:

• Very expensive express
• ID verification may fail
• Improvable technical support

Example price:Send $ 400 USD = $ 406 (normal) or $ 420 (Express)

Comparative Table: Better Repsine Apps

Factors to consider when choosing app

1. Geographic location

Your country of origin determines which apps are available and its costs:

• 🇺🇸USA: Remitly, Xoom, Ria (all available)
• 🇪🇸Spain: Small World, Remitly, Ria
• 🇨🇦Canada: Remitly, Worldremit, Xoom
• 🇩🇴Dominican Republic: Ria, Remitly, Worldremit
• 🇲🇽Mexico: Remitly, Xoom, Moneygram

2. Real total cost

Not only do you see the commission. Calculate:

Total cost = commission + (exchange rate difference)

Example:

• App A:Commission $ 5 + Official rate = $ 205 Total
• App B:Commission $ 0 + rate 3% worse = $ 206 total

App a is cheaperDespite having commission.

Tools:Use comparators like monito.com or wise.com

3. Speed ​​vs

Advice:If it is not an emergency, use Economy option and save 50-70%.

4. Shipping frequency

Unique/occasional shipments:

→ Prioritize apps with "First free transfer"

• Remitly
• Small World
• Worldremit (3 shipments)

Monthly recurring shipments:

→ Prioritize apps with loyalty programs

• Moneygram Fastsend
• XOOM (progressive discounts)
• RIA (volume discount)

Weekly shipments:

→ Consider premium subscriptions (if available)

5. Payment methods available

Tip:Paying with a bank account is cheaper than card (50% less commission).

How to use remittance apps (step by step)

Installation and registration

Step 1: Download App

1. App Store (iOS) or Google Play (Android)
2. Find the exact name (in. "Remitly - Send Money Abroad")
3. Verify official developer
4. Download and install

Step 2: Create account

Required information:

• Full name
• Valid email
• Phone number
• Safe password (8+ characters)

Step 3: Verify identity

Necessary documents:

• ✅ Passport or Government ID
• ✅ Selfie holding ID
• ✅ Proof of address (invoices)

Time:5 minutes - 24 hours

First transfer

Step 4: Add beneficiary

Receiver data in Cuba:

• Full name (as it appears in ID Cuban)
• Identity card (number)
• Complete address
• Telephone (optional but recommended)

Step 5: Select amount

• Enter to send
• See Total Commission
• See exact amount you receive
• Choose speed (Express/Economy)

Step 6: Delivery method

Options in Cuba:

• Cash:Fincimex points, Cadecas
• Bank:BPA account deposit, bandec
• MLC card:Load on convertible currency

Step 7: Pay

• Add card or bank account
• Confirm transaction
• Receive reference number (MTCN)

Step 8: Trace

• See Status in Real Time
• Receive notification when ready
• Share code with beneficiary

Total time:10-15 minutes

Security tips

Protect your account

1. Strong password

   • Minimum 12 characters
   • Combine uppercase, lowercase, numbers, symbols
   • Use password manager (1Password, LastPass)

2. Two factors authentication (2FA)

   • Activate it in all apps
   • Prefer Authenticator App (Google Authenticator) on SMS

3. Monitor your account

   • Check history regularly
   • Activate transaction alerts
   • Reports suspicious activity immediately

Avoid scams

❌Never share:

• Passwords
• 2FA Verification Codes
• MTCN number before confirming shipping

❌You never send money to:

• Strangers in social networks
• "Emergencies" not verified
• Promises to duplicate money

✅Always verify:

• Exact receptor name
• Correct identity number
• Official app (no clones)

Frequent questions

What is the cheapest app?

Remitly Economyfor non-urgent shipments ($ 0- $ 2 commission).

XOOM from bank accountfor PayPal users ($ 0.99).

What is the fastest?

Moneygram Express:10-30 minutes.

Remitly Express:15 minutes - 2 hours.

Do I need a bank account?

No. You can pay with:

• Debit/credit card
• PayPal (XOOM)
• Effective in agencies (RIA, Western Union)

Are there shipping limits?

By app:

• Remitly: $ 6,000 USD/Transaction
• XOOM: $ 10,000 USD/day
• RIA: No limit (verified)

Cuba:$ 1,000 USD/month per beneficiary

Can I cancel a shipment?

Yeah,Before it is charged:

1. Contact support immediately
2. Provides reference number
3. 3-10 days refund

After charged:Not reversible

Is it safe to use remittance apps?

Yeah, if you use regulated apps:

• ✅ Graduates (Finn in USA, FCA in UK)
• ✅ SSL/TLS encryption
• ✅ Qualification> 4.0 in stores
• ✅ Millions of verified users

What happens if there is error in the name?

• Contact support before it is charged
• Free modification if you did not process
• After charged: research (2-4 weeks)

Can I send multiple beneficiaries?

Yeah. All apps allow:

• Save multiple contacts
• Send to different people
• History separated by beneficiary

Conclusion: Better Profile app

You send from the USA/Canada:

→Remitly(Better Balance Price-Valocity-UX)

You have PayPal account:

→XOOM(Perfect integration, without commission from account)

You send from Europe:

→Small World(OPTIMIZED EUR, Free Free)

You send +$ 500 USD regularly:

→Ria Money Transfer(Volume discounts, without limit)

You need extreme speed:

→Moneygram Express(10 minutes, more expensive)

Complement with mobile recharges:

→Worldremit(unique with direct recharge option)

You prioritize price confidence:

→Western Union(140 years Experience, Global Network)

Optimal Strategy:

1. USARemitly EconomyFor monthly shipments ($ 200-500)
2. USAMoneygram Expressonly emergencies
3. Complements withMobile recharges($ 15-20/month)

Total monthly:$ 215-520 USD with minimal commissions (<$ 5)

Ready to send remittances to Cuba? Download the app that best suits your needs and keep your family connected.

Last update: October 2025 | Commissions and availability subject to changes