How to Send Money to Cuba from the US in 2026
Sending money to Cuba remains one of the most complex remittance corridors due to US sanctions. However, legitimate pathways exist.
Current OFAC Regulations
Under the Cuban Assets Control Regulations (CACR):
- Authorized remittances: Up to $1,000 per quarter per household
- Family remittances: Up to $1,000/quarter to close relatives
- Prohibited recipients: Cuban government officials and Communist Party members
Always verify current rules at OFAC Cuba sanctions before sending.
Available Services
Western Union (When Available)
Historically the primary channel, but suspends service periodically due to banking restrictions. Cash pickup at CADECA offices. Check wu.com for current status.
Digital Alternatives
| Platform | Method | Availability |
|---|---|---|
| TropiPay | Card-based | Variable |
| Fonow | App-based | Variable |
| Bitremesas | Crypto > CUP | Limited |
Cuban Currency Context
- CUP (Cuban Peso): Official currency for most transactions
- MLC (Moneda Libremente Convertible): Hard currency stores system
- USD cash: Accepted informally but officially restricted in stores
Recipients benefit most when receiving funds to MLC cards for access to better-stocked stores.
Quarterly Sending Strategy
| Quarter | Limit resets |
|---|---|
| Q1 | January 1 |
| Q2 | April 1 |
| Q3 | July 1 |
| Q4 | October 1 |
Tips: Send slightly under limits ($990 vs $1,000), allow 1-5 business days, plan for delays during Cuban national holidays.
The Human Impact
Cuba-US remittances total $2-3 billion annually:
- Average Cuban state salary: ~$30-50 USD equivalent/month
- Basic food basket cost: ~$150-200 USD/month
- Gap covered primarily by remittances from family abroad
For consumer rights information, see CFPB resources on international transfers. Also see our Latin America remittance comparison and sending money to Mexico guide.
Disclosure: Informational only, not legal advice. Verify current OFAC regulations and consult a sanctions compliance attorney for your specific situation.