Best Way to Send Money to Cuba

While researching how to transfer money to Cuba, I noticed that the DUC App is one of the few services that truly delivers on what they promise.

It was created by Duales Inc., a Toronto fintech that has specialized in remittances since the 90s. The name DUC comes from “Decentralized Units of Currencies”, a fitting nod to its goal of connecting traditional and digital payment systems.

In terms of functionality, users can move money through DUC in several ways. You can choose between credit/debit cards or cryptocurrencies.

Transfers can be received directly in CUP or USD, enabling money transfers to Cuba from Canada (or to any supported countries). The company even supports home delivery in select locations. There’s also a clean dashboard that tracks transaction history, beneficiaries, and payment requests for easy recordkeeping.

Its integrations further expand the app’s capabilities. Through plugins for WooCommerce and Odoo, businesses can connect DUC’s payment functions directly to their platforms. The API and sandbox environment are designed for developers and e-commerce managers seeking flexibility in managing customer payments or payouts across multiple currencies.

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Security is also taken seriously through end-to-end encryption and the TLS 1.2+ protocol. However, fee visibility could be more precise.

The company mentions low, competitive rates on the website, but doesn’t reveal them until the final payment step. The same goes for speed, described as “instant” without specific details across regions.

Here’s how the app performs overall:

Table: Pros and cons of DUC App

If you frequently manage money transfers to Cuba from Canada or other parts of the world, DUC could be a valuable companion. Just take time to compare its rates and timing with similar platforms before settling in.

Ogvio isn't supported in Cuba, but that doesn't mean Cubans abroad cannot use it. If you reside in any of the 160+ countries Ogvio supports, you can use this platform as your neobank to securely manage and exchange fiat and digital currencies.

Merging crypto with international remittance is how Ogvio bridges the gap to untapped markets.^[1] The platform uses USDC as a bridging currency for faster, cheaper transfers that eliminate geographical boundaries. Since USD Coin is pegged 1:1 to the US dollar, you can convert it to fiat with minimal fluctuation.

	OGVIO
Overall Score	9.8
Transaction Fees	Free-to-Low
Pricing Model	Per-transaction
Value For Money
Verdict	A global money transfer service with an additional volatile currency rate pegging to USD or EUR.
	Visit site Read review

Table: Ogvio main features overview

Thanks to the use of crypto, you're not limited to bank operating hours. Even if an overseas family from Cuba needs urgent help at midnight or during the weekend, Ogvio keeps the transfer moving without delay.

The platform doesn't force you to have a bank account or any specific documentation. Most of its core features are available without KYC, and it uses high-grade encryption and security measures to shield you from third-party interference. Aside from crypto payment rails, card-based payment gateways and internal transfers are available from the get-go.

Ogvio-to-Ogvio transactions are completely free, and the same goes for internal crypto transfers. Best of all, you don't even have to pay network charges, since this money transfer service covers them for you.

Since Cuba's currency often deals with inflationary pressures, Ogvio’s USD or EUR holdings feature could be especially useful if you live, study, or work abroad.

Another detail that caught my attention is Ogvio’s @Tag feature. It lets users send money using a simple username instead of long account numbers or complex wallet addresses. Sending money globally could soon feel as casual as sending a DM!

Here are Ogvio's pros and cons so far:

Table: Pros and cons of Ogvio

Finding the best way to send money to Cuba can be hard due to regulatory restrictions. Thankfully, if you're a Cuban in another country and want to remit money anywhere else in the world, Ogvio makes it easy, cheap, and fast with its crypto integration, @Tag feature, no-KYC obligation, and more.

I found RevoluSEND while tearing down the internet to look for the best way to send money to Cuba. It immediately struck me as a service built with structure and compliance in mind.

It’s a division of RevoluPAY EP S.L., a licensed payment entity supervised by the Central Bank of Spain. To send a transfer, you’ll first need to create and validate a RevoluPAY account, which serves as your main dashboard for managing international payments.

What makes RevoluSEND interesting, though, is its flexibility with delivery methods. If you've ever wondered how to send money to Cuba, you can use mobile wallet transfers, cash pickups, or ATM withdrawals (depending on the destination country). Each transaction is priced transparently during checkout, so you can see the exact fees before confirming payment.

Cuba transfers are handled through three major banks: Banco Popular de Ahorro (BPA), BANDEC, and BANMET. These institutions manage MLC accounts, which are required for transfers to be processed correctly.

Although RevoluSEND’s structure appears efficient, Cuban banks may take up to 10 business days to credit the funds after the transfer is initiated. Mobile wallet and ATM payouts in other regions tend to be faster (sometimes processed in minutes), but MLC transfers depend heavily on local processing times.

Here’s a quick summary of how RevoluSEND performs in practice:

Table: Pros and cons of RevoluSEND

Overall, RevoluSEND fits those who prefer dependable transfers to lightning-fast ones. Before using it regularly, though, I recommend comparing its features with those of other remittance platforms to find the best way to send money to Cuba.

I’ve come across Sendvalu quite a few times while comparing services that claim to be the best way to send money to Cuba, and I have to say it’s one of the few that quite earns the said title.

Operating since 2006, the company is regulated by the Malta Financial Services Authority and is based in Switzerland and Malta. That already tells me it takes compliance and security seriously, which is important when dealing with cross-border transfers. Every transaction is protected by SSL encryption, so it ticks the reliability box right from the start.

Now, let’s get into what makes Sendvalu practical, especially if you’re wondering how to send money to Cuba from US or anywhere else around the world. The platform mainly supports two payout methods: home delivery and debit card transfers.

The first option is especially convenient for families or friends who prefer having the money handed over safely in person. After the transfer is made, a local partner delivers the cash directly to your recipient’s door, and the timing can be arranged based on their availability.

The second option is worth discussing as well. Sendvalu supports direct transfers to an AIS Card, which is widely used in Cuba.

You can even request a new AIS Card through Sendvalu if your recipient doesn’t have one yet. Once it’s ready, they can pick it up at a local FINCIMEX branch. In most cases, the funds reach the card within a few hours on business days, which is quite efficient for an international transfer.

However, as much as I appreciate Sendvalu’s convenience, it’s also important to note its limitations. The maximum per-transaction limit is €2,500/day, and some partners may set it lower depending on your country's risk rating.

Annual sending caps may also apply, so it’s worth checking if you plan to make frequent transfers. It’s strictly for personal use, too, meaning business-related transfers and crypto sending are not permitted. However, in some regions, payouts with digital assets are available.

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When it comes to pricing, Sendvalu uses real-time exchange rates to calculate its fees. Everything is also charged in EUR, so if your card uses another currency, your bank handles the conversion. Transfers can also extend to multiple days to arrive, depending on factors like the chosen payment method.

To summarize, here’s how Sendvalu performs across key aspects:

Table: Pros and cons of Sendvalu

Overall, I’d say Sendvalu is not the flashiest service, but it does what it’s meant to do. If you’re still deciding the best way to send money to Cuba, Sendvalu is one option worth a try, especially if home delivery sounds like the perfect fit.

If you’re the type of person who prefers to transfer money to Cuba using cryptocurrencies, then Guarda Wallet deserves your attention. It started in 2017 with a simple Ethereum wallet and eventually expanded into a full ecosystem that supports more than 45 blockchains, 400,000 tokens, and several stablecoins.

Through Guarda, you can buy or sell crypto using credit or debit cards, Apple Pay, or UnionPay. The fees are typically around 2%, though the rate may go lower depending on your trading volume.

	GUARDA
Money Back Guarantee	N/A
Base Price	0 USD
Service Fees	Customizable transaction fees, 4.5% to 5.5% in-app crypto purchase fee with card
	See TOP10 Brands Read review

Table: Guarda fees

However, what really grabbed my attention is how Guarda simplifies crypto payments. Its Deeplink feature enables merchants to receive payments instantly, eliminating the need for customers to leave their site or manually copy wallet addresses. You can even attach payment notes, IDs, or tags to keep transactions well-organized.

On top of that, Guarda includes a crypto lending feature that lets you use assets like BTC, ETH, or USDT as collateral and take out a loan with an APR of 12% to 17%. Once you deposit your collateral, the funds are usually released within a few minutes.

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Another feature I personally appreciate is Guarda's integration with the Ledger Nano X hardware wallet. When you link your Ledger with Guarda, you can handle your funds through the app, while every transaction still requires your sign-off on the Ledger device. That arrangement provides your assets with much stronger protection, even if your computer gets compromised.

Here’s a quick recap of what works well and what might not if you plan to transfer money to Cuba using Guarda Wallet:

Table: Pros and cons of Guarda

In short, I’d say Guarda is one of the worthy choices for those who want to handle remittances with digital assets instead of going through banks. It’s also a handy option for people searching for how to send money to Cuba from Vietnam or any other country with limited banking access to the island. Since Guarda works globally, it creates a smooth path for crypto-based transfers wherever you are.

If you prefer to transfer money to Cuba using Bitcoin or the Lightning Network, Muun Wallet might be the app you’ll enjoy learning about. Many people looking up how can I send money to Cuba through crypto channels usually want a wallet that is simple, secure, and self-custodial, and Muun checks all those boxes.

The part that drew me in is its balance between simplicity and advanced technical work behind the scenes. Muun uses a 2-of-2 multi-signature setup, meaning each outgoing transaction requires two keys to be signed.

One key stays on your phone for daily use, while the other is stored in the Emergency Kit, a PDF that holds your encrypted recovery data. The dual-key approach provides strong protection even in cases of loss or compromise.

Another part I really like is how Muun handles its Lightning integration. The Lightning Network itself is a second-layer protocol built on top of Bitcoin, designed to make transactions faster, cheaper, and more scalable. It does this by opening payment channels between users, allowing multiple transfers to occur instantly without each being recorded on the main blockchain.

In Muun’s case, Lightning payments are instant and non-custodial, with no manual channel configuration required. You can also perform submarine swaps, which let you use on-chain Bitcoin to pay Lightning invoices seamlessly. So, you can top up your Lightning node, pay merchants, or send funds to friends quickly.

I find this wallet interesting because the fee system is also quite advanced. Muun uses a mempool-based estimator, meaning it looks at real-time blockchain activity to suggest the best fee rate. That helps you avoid overpaying or underpaying during busy periods.

However, a shortcoming worth noting is that Muun is built specifically to enhance Bitcoin’s usability rather than to serve as a multi-asset wallet (it doesn’t support any altcoins or stablecoins). The wallet’s exclusive use of Bitcoin and the Lightning Network may restrict users who want broader crypto support.

Now let’s pause for a moment and look at the pros and cons:

Table: Pros and cons of Muun

The way I see it, Muun Wallet is both precise and approachable, though it might not be suitable for less experienced users. It’s more ideal for those who are already familiar with crypto and want to transfer money to Cuba or other countries, rather than conventional payment systems.