Bank Transfer to Cuba
Transfer money to an MLC bank account at BANDEC, BPA or Banco Metropolitano. Pay by credit card, bank transfer or MyBank (EU).
All ways to send money to Cuba →
Start Bank Transfer★★★★☆ 4.2 on Trustpilot · 3,900+ reviews
Bank Transfer to Cuba — How It Works
Fonmoney Cuba lets you send a bank transfer to Cuba straight to an MLC bank account at BANDEC, BPA (Banco Popular de Ahorro) or Banco Metropolitano. The limit per transaction is 9,500 EUR.
- Enter the amount — the currency converter shows the current MLC rate.
- Fill in the recipient's details: name, bank and account number.
- Pay by credit card, bank transfer or MyBank (available for EU customers).
- The funds reach the MLC bank account within 5–7 business days.
What Recipient Data Do I Need?
✓ Full name (as shown on ID)
✓ Bank name (BANDEC, BPA or Banco Metropolitano)
✓ MLC account number
✓ Recipient's ID number
BANDEC, BPA and Banco Metropolitano
All three are state-owned banks under the Banco Central de Cuba. MLC accounts work identically at each one — which bank you select depends on where the recipient already holds an account.
Fonmoney Cuba supports all three: BANDEC, BPA and Banco Metropolitano.
Currently Available
You can wire money to Cuba through a transfer to an MLC account in Cuba at BANDEC, BPA and Banco Metropolitano. As of 2026, the service is active. Processing takes 5–7 business days.
✓ Licensed payment institution, regulated by the FCA in the UK
✓ Over 10 years of experience with Cuba
✓ 3,900+ reviews on Trustpilot (★ 4.2)
✓ Questions? → FAQ about money transfers to Cuba
Frequently Asked Questions — Bank Transfer to Cuba
▸ Which banks in Cuba can I send a bank transfer to?
Fonmoney transfers to MLC accounts at three Cuban banks: BANDEC (Banco de Crédito y Comercio), BPA (Banco Popular de Ahorro) and Banco Metropolitano. The recipient needs an active MLC account at one of these banks.
▸ How long does a bank transfer to Cuba take?
A transfer to an MLC bank account takes 5–7 business days as a rule. Local conditions in Cuba (power supply, public holidays) can cause delays. Fonmoney processes every transaction as quickly as possible.
▸ What payment methods are accepted?
You pay by credit card, bank transfer or MyBank (available for EU customers). The amount is converted to MLC at the current rate.
▸ Is it currently possible to send a bank transfer to Cuba?
Yes. Transfers to MLC accounts at BANDEC, BPA and Banco Metropolitano are available. Fonmoney Cuba works with licensed banks and official partners in Cuba. All data is encrypted.
▸ Can I use Fonmoney instead of Western Union to send money to Cuba?
Western Union suspended its Cuba service in 2020. Fonmoney is an active alternative for bank transfers to MLC accounts. You can also send cash in USD to the recipient's door, top up an MLC or AIS card, or create a Tarjeta Clásica.
▸ What if the recipient does not have a bank account?
Without an MLC account, a bank transfer is not possible. Fonmoney offers alternatives: cash delivery in USD, a new Tarjeta Clásica, or topping up an MLC or AIS card.
What our customers say
"My sister in Havana received the money in her Banco Metropolitano account within a few days. The whole process with Fonmoney was straightforward."
Emily R.
United Kingdom · ★★★★★
"Every month I send money to my mother's BPA account. Fonmoney works reliably, and the support team responds quickly."
Daniel H.
United States · ★★★★★
"I first tried a transfer to a Banco de Ahorro account, then to one at the BPA. Both arrived without any issues through Fonmoney."
Chloe T.
Canada · ★★★★★
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