Send Money to Serbia from USA in 2026: Best Providers Compared (Wise, Remitly, Western Union, Xoom, MoneyGram)
Sending money to Serbia from the USA is easiest with Wise for RSD bank transfers at the mid-market rate, Remitly for low-fee deposits, and Western Union or MoneyGram for instant cash pickup in Belgrade, Novi Sad, Niš, and Kragujevac. Expect total costs of –5 for amounts under ,000, with most transfers arriving within 1–2 business days.
Quick Comparison Table
| Provider | Best For | Typical Fee | Exchange Rate | Delivery Speed | Delivery Methods |
|---|---|---|---|---|---|
| Wise | Lowest fees on RSD transfers | – | Mid-market rate (best) | 1–2 business days | Bank deposit (Raiffeisen, UniCredit, Banca Intesa, AIK, Erste) |
| Remitly | Promo rates and bank deposits | bash– | Markup of 0.5–2% | Minutes–2 days | Bank deposit, cash pickup |
| Western Union | Instant cash pickup | –2 | Markup of 2–4% | Minutes | Cash pickup, bank deposit |
| Xoom (PayPal) | PayPal users, quick bank deposits | –0 | Markup of 1–3% | Minutes–1 day | Bank deposit, cash pickup |
| MoneyGram | Fast deposits and cash pickup | – | Markup of 1.5–3% | Minutes–1 day | Bank deposit, cash pickup |
1. Wise — Best Overall for RSD Bank Transfers
Wise converts USD to Serbian dinars (RSD) at the real mid-market rate with a transparent fee of about 0.4–0.6%. A 00 transfer typically costs – and arrives within 1–2 business days to Raiffeisen, UniCredit, Banca Intesa, AIK Banka, and Erste. Serbia is not in SEPA, so Wise pays out via local RSD rails — avoiding the double conversion you get sending euros by SWIFT.
2. Remitly — Cheapest for Small Transfers
Remitly offers Economy (free or bash.99, 2–3 business days) and Express (minutes, higher fee), plus promotional rates for new users. It deposits into Serbian bank accounts and offers cash pickup. For frequent transfers under 00, Remitly is often the cheapest option.
3. Western Union — Best for Instant Cash Pickup
Western Union has thousands of agent locations across Serbia, including Belgrade, Novi Sad, Niš, Kragujevac, and Subotica. Money sent online can be picked up in cash within minutes — ideal for recipients without a bank account. The trade-off: higher fees (–2) and a 2–4% markup.
4. Xoom (PayPal) — Convenient for PayPal Users
Xoom lets you send using your PayPal balance, linked bank account, or card. Transfers arrive within minutes to one business day, with cash pickup and bank deposit options in Serbia. First-transfer fees are often waived; markups run 1–3%.
5. MoneyGram — Reliable Bank and Cash Options
MoneyGram supports bank deposits to major Serbian banks and cash pickup at thousands of partner locations, including post offices. Fees range from to with markups of 1.5–3%, and zero-fee online promotions are frequent — a strong Western Union rival.
Remittance Tips
Compare the all-in cost: fee plus rate markup, not just the headline fee. Over ,000, Wise usually wins; for urgent cash, Western Union or MoneyGram are fastest. Avoid credit card funding — it adds cash-advance fees. Verify the recipient’s IBAN carefully. Send in RSD directly instead of euros: Serbia is not in SEPA, so euro transfers travel by SWIFT and often convert twice. Track the daily USD/RSD rate from the National Bank of Serbia and send when it is favorable. Transfers over 0,000 must be reported to the IRS (FinCEN Form 105).
FAQ
1. What is the cheapest way to send money to Serbia from the USA?
Wise, thanks to mid-market rates and a transparent 0.4–0.6% fee. Remitly can be cheaper for small amounts with promos.
2. How long does it take to send money to Serbia?
Wise bank deposits take 1–2 business days; Western Union, MoneyGram, or Remitly Express cash pickups arrive in minutes.
3. Can I send cash pickup to Serbia?
Yes. Western Union, MoneyGram, and Remitly offer cash pickup at thousands of locations across Serbia, including smaller towns.
4. What is the best way to send dinars to a Serbian bank account?
Wise: it converts at the mid-market rate and pays out in RSD to Raiffeisen, UniCredit, Banca Intesa, AIK Banka, and Erste.
5. Are there limits on how much I can send?
Most providers allow 0,000–0,000 per transfer; larger amounts need extra verification, and transfers over 0,000 must be reported to the IRS.
6. Do I need a Serbian bank account to receive money?
No. Cash pickup needs no bank account; only deposits require a Serbian IBAN.
7. Which provider has the lowest USD to RSD markup?
Wise, with no markup. Remitly and Xoom add 0.5–3%; Western Union and MoneyGram add 1.5–4%.
8. Is it safe to send money online?
Yes. Wise, Western Union, MoneyGram, and PayPal/Xoom are regulated money transmitters in the US, and local payout partners are supervised by the National Bank of Serbia.
9. What information do I need to send money?
Your recipient’s full name, their Serbian IBAN (for deposits), and sometimes their address.
10. Can I send money from my phone?
Yes. All five providers have iOS and Android apps; Wise, Remitly, and Xoom finish a transfer in under two minutes.
Final Verdict
For most people, Wise is the best all-round choice thanks to mid-market rates and low transparent fees. Choose Remitly for small transfers and promos, Western Union or MoneyGram for instant cash pickup, and Xoom if you live in the PayPal ecosystem. Comparing fee plus rate markup on every transfer typically saves 2–5% versus traditional banks.
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