MontserratXCDEast Caribbean Dollar
The East Caribbean dollar is firmly pegged to the US dollar, so there are no exchange rate surprises on this route. Geography requires special attention: the southern part of the island along with the old capital is closed following a volcanic eruption, and all life, including banks, has relocated to the north. The address and payment point are verified before payment.
The route, the receiving bank and the payout amount are agreed before payment.
The official currency is the East Caribbean dollar (XCD), shared by the countries and territories of the Eastern Caribbean Currency Union and firmly pegged to the US dollar at a rate of 1 USD = 2.70 XCD. Montserrat is a British Overseas Territory in the Caribbean Sea. The island's history was radically changed by the eruption of Soufrière Hills volcano in the mid-1990s: Plymouth was virtually destroyed and abandoned, the southern part of the island remains a restricted access zone, and administrative and business life has shifted to the north. Formally, Plymouth is still considered the capital, but actual administrative and banking functions are concentrated in the Brades and Little Bay areas, so it's best to double-check the bank or branch address of the recipient. IBAN format is not used in Montserrat: for international SWIFT transfers, you typically need the bank's SWIFT/BIC code, account number, and recipient's full name.
The official language is English, so bank details are formatted in Latin characters without additional transliteration. As a British Overseas Territory, Montserrat applies British sanctions regime with respect to Russia, so the availability of a specific transfer depends on the recipient bank, correspondent chain, and results of sanctions and AML/KYC compliance. The island observes UTC−4 time zone and is 7 hours behind Moscow. 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%.
Cards are issued by local banks, with funds credited in the account currency. Only the card number and cardholder's name in Latin characters are required. Currency of credit is the East Caribbean dollar. Whether the card transfer route works is determined before payment
Details without IBAN: you need the bank's SWIFT code, account number, and recipient's name. Verify the bank name from the recipient's statement, not from hearsay. English is official; the name is transferred from the passport without changes. The ATM24 manager confirms the route availability before sending money
Cash withdrawal at locations where Montserrat's life is currently concentrated. Main locations are Brades area and Little Bay, the island's new port. The south with the former capital is closed; there are no bank branches there. How much cash is available immediately is clarified when submitting the application
For Montserrat, you need the recipient bank's SWIFT code, account number, and their name; IBAN format is not used in the East Caribbean zone. Exchange rate should not be a concern: XCD is pegged to the US dollar. The payment point must be verified separately: the island's banking network is small. Sanctions restrictions apply according to British standards, so the route is confirmed before payment.
We accept RUB, USD, EUR and USDT — we pay out in XCD
RUB XCD
0.02864per 1 RUB
10 000 ₽ = 286 XCDUSD XCD
2.57per 1 USD
100 $ = 257 XCDEUR XCD
2.91per 1 EUR
100 € = 291 XCDUSDT XCD
2.57per 1 USDT
100 USDT = 257 XCD| You send | Payout in XCD |
|---|---|
| 100 USDT | 257 XCD |
| 300 USDT | 770 XCD |
| 500 USDT | 1 284 XCD |
| 1 000 USDT | 2 567 XCD |
| 5 000 USDT | 12 837 XCD |
Where recipients usually get the money in Montserrat
Bank of Montserrat — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
RBC Royal Bank Montserrat — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
FirstCaribbean Montserrat — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Republic Bank Montserrat — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Eastern Caribbean Amalgamated Bank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National Currency
The official currency is the East Caribbean dollar (XCD), firmly pegged to USD at a rate of 2.70 XCD = 1 USD. XCD is the common currency of OECS/ECCB. Montserrat is a British Overseas Territory.
Card Systems
Visa and Mastercard are the primary systems. The country is part of the ECCB zone (East Caribbean dollar XCD). Bank of Montserrat and FirstCaribbean are the main banks. Card acceptance at tourist locations.
Payment Applications
Montserrat has the status of a British Overseas Territory.
Interbank Transfers
IBAN format is not used: international transfers utilize the bank's SWIFT/BIC code and account number.
Financial Regulator
Financial oversight is exercised by the local Financial Services Commission (FSC) or directly by the FCA (UK Financial Conduct Authority) and PRA. British sanctions regime with respect to Russia is fully applied on the territory.
Special Features for ATM24
British sanctions regime with respect to Russia applies on the territory.
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 East Caribbean dollar, what happened to the island after the eruption, and the transfer process.
A money transfer to Montserrat in XCD through ATM24 starts with choosing how the recipient will be paid on the Montserrat payout route. The manager verifies recipient name, payment method, Republic Bank, fee from 0.9%, and estimated processing time before payment. Bank-route examples for Montserrat: Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank.
In Montserrat, an XCD transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Montserrat payout route through a bank such as Republic Bank or Domestic Bank 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 Montserrat: Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank.
Banks that can be reviewed for an XCD payout to Montserrat include Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank. ATM24 checks whether the chosen bank route, card route, or account route can receive the transfer. The manager confirms the required details before the sender pays.
To prepare an XCD payout in Montserrat, start with the exact recipient data for Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, card route, and XCD account data. The manager checks spelling, account or service format, and payout currency before payment. ATM24 updates the route if the recipient changes the bank, card, wallet, or account details. Bank-route examples for Montserrat: Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank.
A money transfer to Montserrat in XCD can start from 15 minutes after the selected route is confirmed. Timing depends on Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, card route, or account route, amount, recipient details, and possible bank review. ATM24 confirms the expected timing before payment. Bank-route examples for Montserrat: Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank.
The ATM24 fee for sending XCD to Montserrat starts from 0.9%. Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, card route, and account route are reviewed before the final amount is fixed. Card conversion, sending-bank fees, and USDT network costs are separate if they apply. Bank-route examples for Montserrat: Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank.
Yes, payment for an XCD transfer to Montserrat can be arranged through an available sender method after ATM24 checks the receiving route. The check includes Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, card payout, and the final XCD amount. Any card conversion, sending-bank fee, or USDT network cost is treated separately. Bank-route examples for Montserrat: Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank.
The minimum transfer amount to Montserrat in XCD through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Montserrat payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Bank of Montserrat to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Montserrat: Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank.
Large XCD transfers to Montserrat are reviewed by amount, recipient data, and Montserrat XCD bank route, recipient-name spelling, account or card data, payout limit, and payment purpose. ATM24 may request identification, source-of-funds information, and bank or service details. The manager names the required documents after the route is selected. Bank-route examples for Montserrat: Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank.
The live calculation for sending 1000 USD to Montserrat with payout in XCD should use the current ATM24 route: 2,567.42 XCD. The route may include Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, card route, and XCD account data, fee from 0.9%, and exchange conditions. ATM24 confirms the final number before payment. Bank-route examples for Montserrat: Bank of Montserrat, Republic Bank, CIBC Caribbean, Domestic Bank, and Banks Bank.
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