Frequently Asked Questions about Money Transfer to Cuba

With Fonmoney, you can send money to Cuba quickly, easily, and safely. Currently, there are two options available for you:
a bank transfer to an account in Cuba at the banks
BPA (Bancos populares de ahorro),
BANDEC, and
Banco Metropolitano.
Recharge an MLC credit card at the banks
BANDEC,
BPA, and Banco Metropolitano.
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Fonmoney is pleased to offer you the opportunity to make your money transfer to Cuba in euros, British pounds, US dollars (USD), Chilean pesos (CLP), Polish złoty (PLN), and Mexican pesos (MXN). Additionally, we provide you with the option to pay in all currencies of the EEA (Bulgarian lev, Danish krone, Icelandic króna, Norwegian krone, Romanian leu, Swedish krona, Swiss franc, Czech koruna, Hungarian forint). Your recipient will receive the money in MLC according to the transfer method you choose.

Yes, it is possible to send money to Cuba in MLC.

You can use Fonmoney over the weekend, our customer service is also available to you by e-mail at [email protected]. However please keep in mind that because banks and partnering financial Institutions in Cuba only work during the weekdays, any transfer carried out by Fonmoney will not processed until the next working day.

Yes! Fonmoney is safe and reliable. We are an authorized payment institution. This means that both your data and your money are fully secure with us. Your money transfer to Cuba is 100% guaranteed!

Fonmoney understands your concerns regarding the security of your money transfers to Cuba. We are committed to ensuring that your money arrives safely and reliably.

1. Reliable Partnerships: We collaborate with established financial service providers to ensure that your transfers are conducted securely.
2. Transparency: We provide transparent information about our services and fees so you know exactly what to expect.
3. Secure Transfers: Our platform utilizes secure encryption technologies to ensure that your transactions are protected.
4. 100% Money-Back Guarantee: We offer a 100% money-back guarantee in case your transfer is unsuccessful for any reason.
5. Customer Service: Our dedicated customer service team is available at all times to answer your questions and assist you with any concerns.

With Fonmoney, you can rest assured that your money will arrive safely and reliably in Cuba.

For individuals from the USA who either hail from Florida or are currently residing in Florida and wish to send money to Cuba using Fonmoney Cuba, the recipients must be defined as "close relatives" of the sender. For money transfers with Fonmoney Cuba, "close relatives" are defined as: Individuals who are related to the sender by blood, marriage, or adoption and are not more than three generations removed from the sender or a common ancestor of the sender. This includes direct relatives such as children, siblings, parents, and grandparents, as well as more distant relatives such as aunts, uncles, cousins, and half-siblings. Relationship can be within the sender's own family or through marriage or adoption in the family of the sender's partner.

You would like to send money to Cuba? Excellent! We simply aim to get to know you a little better. Depending on the amount sent, we are obligated, according to our license, to verify your identity by checking your documents. For this, we require from you:
- a photo ID and
- a selfie.

As soon as you start your money transfer, you will be asked to provide certain information and complete certain fields in every step. Over the course of the process, the system will, depending on the amount being sent, automatically request certain documents. We ask you to upload these documents so that we are able to verify your identity and process the transaction.

If there are any difficulties in uploading your documents or verifying your identity, please do not hesitate to contact our Customer Support Team!

For us to quickly verify your identity, we ask that you upload them in a PNG, JPG or PDF format, with a width of over 800 px.
Attention! The uploaded documents must be clearly visible and not blurry, so that your personal information is easy to read.

HooYu is our partner with whose support we are able to verify your documents. You can read more about this partnership from our article.

Yes. With Fonmoney you can send money online also by using your mobile phone or tablet. Our web page is optimized also for the mobile use so that you can easily proceed with your money transfers.

What do I need for a money transfer to Cuba?

To initiate a money transfer to Cuba, you will need the following:

• Be at least 18 years old.
• Reside in the EU, UK, Chile, or Mexico. We also allow transfers from the USA, as long as you either reside in Florida or indicate that you are currently in Florida.
• The recipient's data in Cuba.
• An ID for verification purposes.

You can send money to Cuba from the US if you live in Florida or are located in Florida, as well as from Europe, the UK, Canada, Chile, or Mexico. Here is a list of all the countries from which you can send money to Cuba

In order to guarantee the effective and secure arrival of your money transfer to Cuba Fonmoney is obliged to ask you to provide a declaration of consent which necessary for the proper processing of the transaction. To send money to Cuba you must confirm that:

- That the beneficiary is not a member of the Communist Party of Cuba.
- That the beneficiary is not Restricted (Military) Official of the Government of Cuba.
- That the transfer of money is not related to the migration of the beneficiary or sent for migration purposes.

Yes. Current limits for money remittance of Cuba allow you to send your recipient up to 10.000 MLC in a time period of one month. If you exceed the limit, we recommend you to contact [email protected]. Our customer support is happy to assist you.

Yes, you can also transfer money to a bank account in Cuba.

At Fonmoney, we always provide you with the most current exchange rate to MLC. However, since we collaborate with various financial institutions in Cuba to offer you the money transfer service to Cuba, our exchange rate may differ from others. Nevertheless, there is currently no cheaper way to send money to Cuba than with Fonmoney. We assure you that our team offers you the most advantageous exchange rate for you every day.

The AIS Debit Card (American International Service) is a free debit card in Cuba. It is accepted in Cuba, and is therefore a popular means of payment which allows Cuban nationals to receive money from their relatives abroad in a comfortable and fast way.

Sending money to Cuba from Europe on an AIS debit card is an easier, safer, and faster way to do it than through traditional money transfer. With AIS debit cards the money arrives to its destination faster - a maximum of 48 - 72 hours when traditional methods can take up to 7 days - and it is not necessary for the recipient to go to a bank to receive the money. Money sent to AIS debit cards arrives automatically on the card after a certain amount of time and is accepted in Cuba in a lot of shops and a large number of ATMs (ATM) on the island, where you can withdraw money free of charge.

If your resipient in Cuba does not have an AIS debit card, there is no problem sending money to Cuba. At Fonmoney we offer you the option of requesting a new AIS card, completely free of charge, during your first transfer. As soon as your beneficiary in Cuba has an AIS credit card, future money transfers will be much faster and more comfortable, with the money coming within 48 - 72 hours directly to your new card.

It is possible to request an AIS debit card for your repient when you make your first money transfer with Fonmoney. In order to make it easier, Fonmoney collaborates closely with the official Cuban institution FINCIMEX.The application process is very simple:

1. Choose the option to send money to AIS debit card.
2. Create a new Fonmoney personal account or log in if you already have one.
3. Click on the "I do not have AIS debit card" option.
4. Enter the name and surname of the beneficiary (you must be over 16 years old), your address in Cuba and choose the location in which you prefer to pick up the new card.
5. Choose your preferred method of payment.

We will contact FINCIMEX to approve your AIS card, and in a few days the recipient will be able to pick it up at the chosen office presenting his passport or identity document.

Yes, with Fonmoney you can request a new AIS USD card to Cuba from Europe. To do this, you only have to choose the AIS Card transfer method. When the calculator appears to write the amount of money to send, you must click on the flag of Cuba and choose USD currency instead of CUP. When you press continue you must choose the option to request a new card and fill in the details of your recipient.

Please find a list of all of FINCIMEX offices where your recipient will be able to pick up the AIS debit card. Please keep in mind that the recipient must come with his identification document or passport to the pick up office in order to receive the card with the money transfer. Depending on the address of your beneficiary, the card will be prepared in a specific period of time, and you can choose among the following offices to pick it up: Al mismo tiempo que usted realiza su primera transferencia de dinero con Fonmoney es posible solicitar una tarjeta AIS gratuíta para su destinatario. Para ello Fonmoney colabora estrechamente con la institución oficial cubana FINCIMEX. El proceso es muy sencillo:

Nosotros nos pondremos en contacto con FINCIMEX para que se apruebe su tarjeta AIS, y en pocos días el destinatario podrá recogerla en la oficina elegida presentando su pasaporte o su documento de identidad.
- AIS CARD - BARACOA
Martí # 356, Baracoa, Guantánamo
- AIS CARD - BAUTA
Ave. 251 No. 13015, Bauta
- AIS CARD - CAMAGÜEY
Gral Gómez 105 e / Independencia and Maceo
- AIS CARD - BLIND OF ÁVILA
Calle Cuba e / Honorato del Castillo and Maceo
- AIS CARD - CIENFUEGOS
Calle 33 e / 56 y 58
- AIS CARD - GRANMA
Ctra. Vía Santiago Edif. The News, Bayamo
- AIS CARD - GUANTÁNAMO
Crombet e / Los Maceo and La Línea
- AIS CARD - GÜINES
Calle 86 esq 45, Güines
- AIS CARD - HOLGUIN
Frexes Esq. Carbo Street
- AIS CARD - YOUTH ISLAND
Calle 39 e / 30 y 32. Altos del Servicupet. El parque
- AIS CARD - HAVANA
Ave. 3rd No. 408 e / 4 y 6, Playa
- AIS CARD - LAS TUNAS
Ave. 1st of May s / n Esq. A 45 La Victoria
- AIS CARD - KILLS
Calzada de Esteban Esq. San Ambrosio, Pueblo Nuevo, Matanzas
- AIS CARD - MOA
Ave. 1st of May s / n Moa
- AIS CARD - PINAR DEL RÍO
Luis Pérez Esq. Gerardo Medina s / n Pinar del Río
- AIS CARD - SANCTI SPÍRITUS
Ave. de los Mártires s / n Esq. Circunvalante Olivos 1
- AIS CARD - SANTIAGO DE CUBA
Felix Pena No. 565 e / Jose A. Saco y Aguilera
- AIS CARD - TRINIDAD
Fausto Pelayo s / n, Servicentro Oro Negro, Trinidad, St.Spiritus
- AIS CARD - VARADERO
1st Street Ave. e / 15 and 16
- AIS CARD - VILLA CLARA
Ctra. Ctral. Morata and / San Pedro and Virtudes

If the recipient lives in Havana, the issuing process could take 25 working days before the AIS card is ready for pick up. If the recipient lives in other Cuban province, the issuance of the free AIS card can last 45 working days.

Every holder of an AIS debit card can withdraw money at any ATM on the island (ATM), as well as in exchange offices (CADECA) and banks spread throughout the Cuban territory.

Cardholders of an AIS debit card can pay and carry out transactions in all Cuban premises and businesses that have a Point of Sale (POS) terminal. With this new form of payment you can purchase goods and services without having to pay in cash. There are more than 11,000 establishments throughout Cuba that already use this new method of payment!

Both the issuance and use of AIS debit cards are completely free of charge: you pay nothing when you apply for a new AIS credit card, and the recipient does not have to pay anything either when receiving it or when using it in any establishment in Cuba.

If your recipient already has an AIS debit card, sending money to Cuba with Fonmoney is even easier!

1. Choose the option to send money to an AIS debit card.
2. Create a new Fonmoney personal account or sign in if you already have one.
3. Fill in the data of the addressee: name and surname, address and AIS card number.
4. Choose the payment method.
And ready! Your money transfer to Cuba will arrive within 48 - 72 hours

It takes up to 48 - 72 hours to recharge an existing AIS debit card in Cuba. Therefore, recharging an AIS card is the fastest way to support your friends and family in Cuba.

AIS cards have a maximum limit of 10,000 CUP. An AIS card with a balance of 10,000 euros can not be recharged again.

Sending cash to Cuba with Fonmoney is a very easy and intuitive process, just follow these steps:

1. Choose the option "Send money in cash".
2. Create a new Fonmoney personal account or log in to your account if you already have one.
3. Fill in the data of the recipient: name and surname, number of your identity document, and address of the collection bank.
4. Choose the method of payment.

And ready! It is important that you choose the exact bank address at which your money transaction will arrive, since the beneficiary must pick it up in person at the same branch. To do this the recipient will need to present his identity document, and provide address and telephone number.

Fonmoney has partnered with both the Metropolitan Bank and the Banco Popular de Ahorro. Your recipient will be able to collect cash in any of the branches belonging to any of these two banks. For your convenience Banco Popular de Ahorro has 78 branches in Cuba, and Banco Metropolitano has 88 locations in Havana.

The cash transfer to Cuban banks takes 3 to 10 business days.

If your recipient in Cuba does not pick up the money, it will automatically be returned to you after a period of 30 days.

If your recipient owns a bank account you can easily transfer money to Cuba.

1. Choose the option to transfer money to Cuba.
2. Create a new Fonmoney personal account or sign in if you already have one.
3. Fill in the personal data and bank information of your recipient.
4. Choose the payment method.
Your money will be transferred as soon as your payment has gone through.

You can transfer money to a CUP bank account of the Banco Metropolitano or the Banco Popular de Ahorro in Cuba.

As soon as you have completed your transfer and we have received your payment, it will take 5 to 7 working days for your money to reach the Cuban bank account.

Cuban bank accounts have a transfer limit of 10,000 MLC every 30 days. This means that your Cuban recipient cannot receive more than 10,000 MLC from you within a 30-day period.

For Florida, there is a daily limit of $1,000 per customer.