How Can I Transfer Money to Cuba

Create your account at Fonmoney Cuba, choose the product (bank transfer, MLC card, Clásica, AIS, cash delivery or Cubacel), enter the recipient’s details and pay. You receive a confirmation email with the details of your transfer.

It depends on your recipient’s situation. If they have an MLC bank account (BPA, BANDEC or Banco Metropolitano), a bank transfer is the most direct option. Without a bank account or card you can have an AIS card or Clásica created from abroad. For cash in hand, choose Cash Delivery. And for an instant phone top-up, Cubacel is the fastest.

The Cuban banks (BANDEC, BPA and Banco Metropolitano) are not connected for internal transfers between each other. What you can do: send money from abroad to any of the three banks with Fonmoney. If your recipient has accounts at more than one bank, place a separate transfer for each.

The MLC card is a debit card linked to a bank account in Cuba — it is topped up within minutes and the balance can be used in MLC shops. The Tarjeta Clásica is a prepaid card in USD, issued by FINCIMEX, no bank account required. The AIS card works with MLC or USD and is managed without a bank visit — useful when the recipient has no account.

The cost depends on the product and payment method. Prices, fees and the current exchange rate are shown before you confirm — no hidden fees. Cubacel top-ups carry no additional charge.

It depends on the product. Bank transfers (MLC) take 5 to 7 business days. MLC cards, Clásica and AIS are topped up in minutes. Cash delivery arrives in 2 to 5 days. Cubacel top-ups go through instantly.

Yes. The maximum per bank transfer is 9,500 EUR (or the equivalent in your currency). For card top-ups and Cubacel there are fixed amounts shown when you select the product. Limits may vary depending on your country of residence and payment method.

For transfers and card top-ups: credit card, bank transfer and MyBank (available in several European countries). For Cubacel top-ups: credit card or Paysafecard.

Fonmoney Cuba sends money to three banks: BPA (Banco Popular de Ahorro), BANDEC (Banco de Crédito y Comercio) and Banco Metropolitano. All three accept MLC transfers and card top-ups.

Fonmoney accepts transfers from more than 60 countries, including Canada, the United Kingdom, the United States (Florida), Germany, Italy, France, Spain, Chile, Mexico and many more. Which products and payment methods are available depends on your country.

For bank transfers: name, account number and bank (BPA, BANDEC or Banco Metropolitano). For card top-ups: card number. For cash delivery: address and phone number in Cuba.

The status of your transfer is updated in your account. Fonmoney sends a confirmation email with every transfer and a notification when the money has reached the recipient.