JamaicaJMDJamaican Dollar
Jamaica stands out from the Caribbean lineup: neighbors in the region—Grenada, Dominica, Antigua—share the Eastern Caribbean dollar with a rate pegged to the US dollar. Jamaica has its own currency, and it floats. This means the familiar Caribbean logic doesn't apply here: an amount calculated a week ago will be different by the time of transfer. That's why the figure in Jamaican dollars is locked in before payment—you can see in the application exactly how much the recipient will get. Commission from 0.9%.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Jamaican dollar (JMD), with a floating exchange rate managed by the Bank of Jamaica. Unlike several English-speaking countries in the Eastern Caribbean basin that use the common Eastern Caribbean dollar XCD with a fixed rate, Jamaica has its own currency and independent monetary system. The country's economy relies on tourism, bauxite mining and export, as well as remittances from a large Jamaican diaspora historically concentrated in the United Kingdom, the United States, and Canada; such transfers remain a significant part of household income. The central bank and regulator is the Bank of Jamaica, located in Kingston. Major banks include National Commercial Bank (NCB), Scotiabank Jamaica, JN Bank, and Sagicor Bank; JN Bank historically has strong ties with the Jamaican diaspora and international transfers.
IBAN format is not used in Jamaica: for international SWIFT transfers, you typically need the bank's SWIFT/BIC code, account number, and recipient's full name. English is the official language, so names in bank details are usually entered directly in Latin characters according to documents, without additional transliteration; Jamaican Patois is widely used in everyday life. Jamaica has not imposed its own sanctions against Russia, however, any specific transfer depends on the recipient bank, correspondent chain, and standard AML/KYC checks. The island operates in UTC−5 time zone, 8 hours behind Moscow, so Jamaican bank business hours fall in the evening Moscow time. ATM24 checks the available route in advance before confirming the application. International SWIFT transfer time is 2–5 business days. ATM24 commission is from 0.9%.
Jamaican bank cards deposit JMD; with a floating rate, it's important that the amount is locked in the application, not at the time of receipt. National Commercial Bank, Scotiabank Jamaica, JN Bank, Sagicor Bank. You'll need 16 digits of the card number and the cardholder's name. Don't confuse JMD with US dollars: these are different currencies with different rates
Caribbean-style account details: bank SWIFT code and account number, IBAN format is not used here. For the application you need the bank's SWIFT code, recipient's account number, and their name. English is the official language, so the name is transferred from the passport as is. Incoming transfers from the diaspora are a routine operation for Jamaican banks
Jamaican dollar cash withdrawal in the capital and on the tourist-friendly north coast. Kingston is the capital and business center; Montego Bay is the main resort city. In the tourist zone they accept US dollars too, but change is calculated at the establishment's rate. Agree on the receiving city and available amount before submitting your application
What you need for Jamaica: the SWIFT code of the recipient's bank, account number, and their name—the island does not issue IBAN format, and English as the official language eliminates transliteration issues. The Jamaican dollar floats, so the conversion is calculated at the time of the request and locked in: the amount credited will not change. The country has not imposed sanctions against Russia. It's worth noting that Jamaica is not part of the Eastern Caribbean dollar zone: its account details and currency are unique, and they should not be confused with neighboring islands.
We accept RUB, USD, EUR and USDT — we pay out in JMD
RUB JMD
1.66per 1 RUB
10 000 ₽ = 16 622 JMDUSD JMD
147.57per 1 USD
100 $ = 14 757 JMDEUR JMD
169.75per 1 EUR
100 € = 16 975 JMDUSDT JMD
147.57per 1 USDT
100 USDT = 14 757 JMD| You send | Payout in JMD |
|---|---|
| 100 USDT | 14 757 JMD |
| 300 USDT | 44 270 JMD |
| 500 USDT | 73 784 JMD |
| 1 000 USDT | 147 568 JMD |
| 5 000 USDT | 737 838 JMD |
Where recipients usually get the money in Jamaica
SWIFT: check; Description: One of the largest banks on the island; Kingston
SWIFT: check; Description: Jamaican division of the Canadian Scotiabank group
FirstCaribbean Jamaica — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
SWIFT: check; Description: Commercial bank of the island
SWIFT: check; Description: Bank with historically strong diaspora ties
National Currency
The national currency is the Jamaican dollar (JMD), with a floating exchange rate.
Card Systems
Visa and Mastercard are the main systems. Scotiabank Jamaica, NCB, and JN Bank are major card issuers. Chill (Digicel) is a mobile wallet. JETS (Jamaica Electronic Transfer System) provides national ACH transfers.
Payment Applications
Lynk (NCB, National Commercial Bank) is Jamaica's largest mobile wallet. JMMB Go and Scotia Jamaica App are banking applications. PayPal is available. Western Union operates widely through agent networks across the island.
Interbank Transfers
IBAN format is not used in Jamaica: international transfers use the bank's SWIFT/BIC code and account number.
Financial Regulator
The Bank of Jamaica is the central bank and primary financial regulator of the country; located in Kingston.
Specifics for ATM24
Jamaica has not imposed its own sanctions against Russia.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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We've collected answers about the Jamaican dollar, how it differs from the Eastern Caribbean dollar, and how money reaches the recipient.
To send money to Jamaica with payout in JMD through ATM24, start with the recipient's exact route for the Jamaica JMD payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as National Commercial Bank Jamaica. Bank-route examples for Jamaica: National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank.
In Jamaica, a JMD transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Jamaica JMD payout route through a bank such as Scotiabank Jamaica or Sagicor Bank Jamaica and confirms whether card payout, account payout, or only one option is available. The sender pays after that route is confirmed. Bank-route examples for Jamaica: National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank.
For bank payout in Jamaica, useful JMD references include National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank. ATM24 treats the bank named by the recipient as the working route and checks recipient name, account data, and route availability. The sender pays after that bank route is confirmed.
Recipient details for Jamaica in JMD depend on the bank or payout channel named in the order. ATM24 may need the recipient name, National Commercial Bank Jamaica or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Jamaica: National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank.
For Jamaica, a JMD payout may be fast only after the selected channel is checked. ATM24 reviews National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for Jamaica: National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank.
The ATM24 fee for sending money to Jamaica with payout in JMD starts from 0.9% on the Jamaica JMD payout route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for Jamaica: National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank.
Yes, ATM24 can calculate a transfer to Jamaica in JMD where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Jamaica JMD payout route, payment currency, exchange conditions, bank details such as National Commercial Bank Jamaica or JMMB Bank, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Jamaica: National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank.
For Jamaica, the minimum JMD transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks National Commercial Bank Jamaica, Scotiabank Jamaica, recipient details, payout method, and document requirements before payment. A route through Scotiabank Jamaica may have different limits than a card or non-bank payout. Bank-route examples for Jamaica: National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank.
For Jamaica, extra documents for a JMD payout depend on the route through Scotiabank Jamaica, JMMB Bank, or another confirmed channel. ATM24 may ask for identification, source of funds, recipient details, and payment-purpose wording. The list is confirmed after the amount and bank route are reviewed. Bank-route examples for Jamaica: National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank.
For Jamaica, a 1000 USD transfer can produce a different JMD result depending on the receiving route: 147,567.69 JMD. The ATM24 calculation includes Sagicor Bank Jamaica or another confirmed bank, payout method, fee from 0.9%, and exchange conditions. The sender sees the final amount before payment. Bank-route examples for Jamaica: National Commercial Bank Jamaica, Scotiabank Jamaica, JMMB Bank, Sagicor Bank Jamaica, and First Global Bank.
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