How can I send money to Jamaica?

Send money to Jamaica with Taptap Send. Choose from bank transfer in JMD or USD, cash pickup, Pay To Card, or Card Deposits.

Delivery methods and speed

Here are the options for sending money to Jamaica and what you need to know about each.

• Bank transfer (JMD and USD): major Jamaican banks (see list below)
• Cash pickup (JMD): VM Money Transfer Services, Lasco Financial Services, or another available partner location, depending on what's offered at the time
• Pay To Card (JMD): any supported Jamaican debit card
• Card Deposits (JMD): top up a prepaid card

Supported banks for bank transfers: Bank of Nova Scotia, First Global Bank, FirstCaribbean International Bank, JMMB Bank, JN Bank, National Commercial Bank, Sagicor Bank Jamaica Limited, VM Building Society. Credit unions are also supported.

Fees

Taptap Send always shows you the exact fee and exchange rate upfront, you'll see them on the very first screen before you confirm your transfer. There are no hidden charges.

When sending to Jamaica, the following fee structure applies:

The same fee applies to all transfer types: bank transfer, cash pickup, Pay To Card, and Card Deposits. Exchange rate margin may apply for all sending countries.

Sending limits

Your overall account sending limits are based on your verification level. Jamaica-specific limits per delivery method:

Can I cancel my transfer or get a refund?

If your transfer has already been delivered, recalling the funds can be difficult and take time. It is sometimes easier to resolve this directly with the recipient. Contact our support team through the app and we will look into what options are available. You can also refer to our global article Can I cancel or get a refund for my transfer?

For your recipient

Does my recipient need to do anything?

Bank transfer (JMD / USD): First-time recipients need to complete a one-time identity verification (KYC) form before funds can be credited to their account. This can be done at a bank branch, by phone, or online. Once completed, funds typically arrive within 2 to 24 hours depending on the bank. Returning recipients who have already completed KYC usually receive funds the same day.

Cash pickup: Your recipient will receive an SMS once funds are ready. They need to visit a cash pickup location (VM Money Transfer Services, Lasco Financial Services, or another available partner) with a valid government-issued ID. Funds are typically available within minutes.

Pay To Card: No action needed. Funds go directly to the card.

Card Deposits: No action needed. The card is topped up automatically.

What details does my recipient need to provide?

Bank transfer (JMD / USD): Full name, bank name, account number, and account type (savings or current, most Jamaican accounts are savings). Note that business accounts are not supported, only personal accounts.

Cash pickup: Your recipient's full name exactly as it appears on their ID, and their phone number. Make sure to enter these correctly when sending: the name must match the ID your recipient presents at collection.

Pay To Card / Card Deposits: Full name and card number.

How does my recipient cash out?

Bank transfer

Funds are deposited directly into your recipient's bank account. No action is needed once KYC is complete.

If you sent a transfer outside Jamaican banking hours (Monday to Friday, 8:30am–3:30pm):

• VMBS recipients: allow up to 1 additional business day
• All other banks: funds typically arrive within 2 hours of the next business day opening

Cash pickup (VM Money Transfer Services, Lasco Financial Services, or another available partner)

Your recipient will receive an SMS once the transfer is ready for collection. To collect:

1. 1Visit any available cash pickup branch location in Jamaica
2. 2Present a valid government-issued photo ID
3. 3Provide the transfer reference number

Funds are typically available within minutes of the transfer being sent, during branch opening hours. Hours vary by location. Your recipient should check before visiting:

• VM Money Transfer Services branch locations and hours

Pay To Card

Funds go directly to the Visa or Mastercard debit card number you provided. Your recipient can use the card immediately for purchases and ATM withdrawals. Fees and limits depend on your recipient's card issuer.

Card Deposits (JMMB Money Transfer Visa Prepaid Card)

Funds are loaded directly onto the card and available immediately. Your recipient can use it anywhere Visa is accepted, at ATMs, point of sale terminals, and online, 24/7, with no branch visit needed.

Daily limits:

• ATM withdrawals: up to J$100,000 per day
• POS and online purchases: up to J$250,000 per day

ATM fees:

• Up to 4 free withdrawals per month at JMMB Bank ATMs
• First withdrawal per month at any other Visa-accepting ATM is free
• Fees apply after that

There is no fee to receive remittances onto the card and no annual fee.

Your recipient can check their balance at any Visa-certified ATM worldwide, or via their monthly email statement.

Your recipient also earns cashback: 10% on every point accumulated (1 point per J$100 spent), paid out quarterly automatically.

If your recipient does not yet have the card, they can apply online at app.jmmb.com/MTCard. They will need a valid government-issued ID, their TRN, and a selfie. Approval takes approximately 4 business days. No bank account is required.

For full details on fees, limits, and how to apply, visit the JMMB Money Transfer VISA Prepaid Card page.

Still need help? Contact our support team through the app.