Did you know the USD is the most trusted currency in the world? It makes up 59% of global foreign exchange reserves (IMF), and central banks use it to keep economies stable. The US dollar is at the centre of international trade and financial transactions, making it a key player in sending and receiving money across borders.

If your business relies on payments from US clients or partners and you need to receive money from the US, you know how important it is to get those funds quickly and with minimal costs. Delays and high fees can hurt your cash flow and slow down your operations. You need a reliable solution that works for your bottom line.

This article will help you navigate the best options for receiving money from the US in 2025. We’ll explain how to minimize fees, avoid delays, and choose a solution tailored to your business’s unique needs.

Top Payment Services to Receive Money from the US in 2025

1. Wise

Wise is an excellent choice for anyone looking to receive money from the US affordably and transparently. It eliminates hidden fees by using the mid-market exchange rate, making it a favourite for businesses and individuals alike. If keeping costs low is your priority, Wise ensures you receive your funds without unnecessary charges.

Key Features

• Real exchange rates with no hidden markups.
• Supports over 70 countries and 50+ currencies.
• Easy bank-to-bank transfers with detailed cost breakdowns.

Pros

• Highly transparent fee structure.
• Lower costs compared to traditional banks.
• Quick transfer times, often within a few hours.

Cons

• Requires both sender and recipient to set up Wise accounts.
• Not ideal for cash pickups.

Fees

• Typically, 0.4%-1% of the transaction amount, depending on the currency and transfer type.

2. Western Union

Western Union is a reliable solution if you need to receive money from the US quickly. With its extensive global reach, you can pick up cash, have it deposited into your bank account, or even transfer it to a mobile wallet. It’s particularly helpful in countries where digital payment options are less accessible.

Key Features

• Operates in over 200 countries with 500,000+ agent locations.
• Supports bank transfers, cash pickups, and mobile wallet deposits.
• Instant transfer options for certain destinations.

Pros

• Extensive global network for easy cash pickups.
• Options for same-day transfers.
• Multiple payment methods, including credit cards and bank transfers.

Cons

• High fees, especially for cash pickups and credit card payments.
• Exchange rates include a markup.

Fees

• Fees vary based on payment method, amount, and destination but can range from $5 to over $50.

3. Remitly

If you’re searching for a simple and cost-effective way to receive money from the US, Remitly is a strong contender. It offers competitive exchange rates and multiple delivery options, including bank deposits, mobile wallets, and cash pickups, making it easy to access your funds wherever you are.

Key Features

• Delivery options include bank deposits, mobile wallets, and cash pickups.
• Faster transfers with its Express option for an added fee.
• Transparent fees and exchange rate information.

Pros

• Fast transfers, especially with the Express service.
• User-friendly app for tracking transfers in real time.
• Often has promotional rates for first-time users.

Cons

• Higher fees for faster transfer options.
• Limited business-focused features.

Fees

• Varies depending on the amount, delivery speed, and payment method, often ranging from $3.99 to $9.99.

4. Xoom

Xoom, a service by PayPal, is designed to make it easy to receive money from the US. With options for cash pickups, bank deposits, and even mobile reloads, Xoom is ideal for quick and secure transactions. Its integration with PayPal adds convenience for users already familiar with the platform.

Key Features

• Transfers to 160+ countries.
• Options for cash pickup, bank deposits, and mobile reloads.
• Real-time tracking and notifications.

Pros

• Fast delivery, often within minutes.
• Trusted name backed by PayPal.
• Easy to set up and use.

Cons

• High fees for credit or debit card payments.
• Currency exchange rates include markups.

Fees

• Fees start at $4.99 and vary by payment method and destination.

5. Revolut

Revolut is perfect for tech-savvy users or businesses looking to receive money from the US while minimizing costs. Known for its competitive exchange rates and innovative features, Revolut offers a seamless experience for handling international transactions.

Key Features

• Instant transfers between Revolut accounts.
• Supports over 30 currencies with real exchange rates.
• Additional banking features like debit cards and budgeting tools.

Pros

• Competitive exchange rates with no hidden fees.
• Free international transfers for premium users.
• Great for frequent travellers or multi-currency users.

Cons

• Limits on free transfers for standard accounts.
• Cash withdrawals can incur fees after a certain limit.

Fees

• Free for most basic transfers, but premium users get better rates and higher limits.

Other Methods to Receive Money from the US

While the services listed above are among the most popular, they aren’t the only ways to receive money from the US. Depending on your specific needs, these additional methods might be worth considering:

1. Bank Wire Transfers

Bank wire transfers remain one of the most traditional and secure methods to receive money from the US. Many banks have international partnerships that allow for direct transfers into local accounts. This option is particularly useful for businesses handling large transactions.

Key Features

• Direct transfers between bank accounts.
• Secure and widely accepted worldwide.
• Ideal for large sums of money.

Pros

• Reliable and backed by trusted banking institutions.
• Offers a clear record of transactions for bookkeeping.
• Compatible with most business accounts.

Cons

• High fees for international transfers.
• Longer processing times compared to digital platforms (1–5 business days).

Fees

• Varies by bank but can range from $15 to $50 per transfer, with additional currency conversion fees.

2. Cryptocurrency Transfers

Cryptocurrency is gaining traction as a fast and cost-effective method to transfer money internationally. Platforms like Coinbase and Binance make it easy to send and receive funds in Bitcoin, Ethereum, or other cryptocurrencies, which can then be converted to local currency.

Key Features

• Decentralized and borderless.
• Faster transfers, often within minutes.
• Lower fees compared to traditional methods.

Pros

• No reliance on traditional banking systems.
• Transparent and secure through blockchain technology.
• Low transaction fees, especially for large transfers.

Cons

• Requires knowledge of cryptocurrency platforms.
• Volatility in crypto prices can impact the value received.
• Limited acceptance for direct conversion to cash in some regions.

Fees

• Typically, less than 1%, but this can vary depending on the platform and network traffic.

3. Checks and Money Orders

For those who prefer traditional methods, checks and money orders are still an option. While less common today, they are reliable for specific situations, such as when other methods are unavailable.

Key Features

• Paper-based payment method.
• Can be mailed and cashed at banks or financial institutions.

Pros

• Useful in regions with limited digital infrastructure.
• No need for internet or digital accounts.

Cons

• Slow processing times due to mailing and clearance.
• Risk of lost or stolen checks.

Fees

• Minimal fees for money orders, usually around $5-$10.

4. Prepaid Debit Cards

Some services allow funds to be loaded directly onto a prepaid debit card, which can then be used for purchases or ATM withdrawals. This option is popular for individuals without access to traditional bank accounts.

Key Features

• Funds are loaded onto a physical card.
• Can be used for purchases or withdrawals at ATMs.

Pros

• Convenient for unbanked individuals.
• No need for a bank account to receive funds.
• Widely accepted for purchases.

Cons

• ATM withdrawal fees can add up.
• Limited to the card’s spending and withdrawal limits.

Fees

• Card activation fees, monthly maintenance fees, and ATM withdrawal fees apply, depending on the provider.

5. Cash Pickups at Partner Locations

Services like MoneyGram and Ria Money Transfer allow recipients to pick up cash at physical locations. This method is great for areas where digital banking options are limited or for individuals who prefer cash transactions.

Key Features

• Funds can be collected as cash at partner locations.
• Widely available in rural and urban areas.

Pros

• Instant access to cash.
• No need for a bank account or digital wallet.
• Useful in emergencies.

Cons

• Requires a visit to a physical location.
• Higher fees compared to other methods.

Fees

• Fees vary by provider but are typically higher for cash pickups, ranging from $5 to $15 for small amounts.

Introducing DSGPay’s USD Virtual Account

Managing financial transactions for US operations has become a critical aspect of global business, and more companies are embracing online business accounts to streamline the process. These accounts offer significant advantages over traditional banks, including faster transactions, lower fees, and unparalleled convenience. They eliminate many of the bottlenecks associated with traditional banking, such as long processing times, high costs, and limited accessibility.

For businesses operating across borders, particularly those receiving payments from the US, an efficient and reliable financial partner is essential. That’s where DSGPay comes in; our USD account is designed to simplify the financial complexities of managing US-based operations for foreign businesses.

Whether you’re paying suppliers, receiving funds from US clients, or handling payroll for a growing team, DSGPay provides a seamless, cost-effective solution tailored to your needs. Here’s how DSGPay can help your business succeed:

1. Open a USD Account in Your Business Name
   DSGPay allows you to open a USD account specifically under your business name. This not only adds a level of professionalism to your operations but also builds trust and credibility with your clients and business partners. Having an account designated for your business makes it easier to manage transactions, receive payments, and maintain a clear financial record for US-based operations.
2. Effortless Fund Transfers
   DSGPay enables quick and easy transfers, ensuring that funds move seamlessly across borders. With competitive exchange rates and minimal fees, you can save significantly on international payments compared to traditional banking services.
3. Receive Payments with Ease
   Getting paid by US clients or customers no longer needs to be a hassle. DSGPay allows you to receive funds directly into your business account with fast processing times and transparent pricing. This ensures you maintain a steady cash flow, which is critical for business operations and growth.
4. Advanced Security
   DSGPay prioritizes the safety of your transactions and data with state-of-the-art encryption and fraud prevention measures. You can confidently manage your business finances without worrying about security risks.
5. User-Friendly Platform
   The intuitive interface of DSGPay makes it easy to manage transactions, generate reports, and track payments in real time. Whether you’re a tech-savvy entrepreneur or new to online financial tools, DSGPay provides a hassle-free experience.
6. Cost-Effective Solutions for Growth
   Traditional banks often come with high fees for cross-border transactions, account maintenance, and hidden charges. DSGPay eliminates these barriers, offering transparent pricing and tailored solutions that support your bottom line and business expansion.