Saint Kitts and NevisXCDEast Caribbean Dollar
The East Caribbean dollar maintains a fixed exchange rate to the US dollar, so there are no exchange rate surprises on this corridor. What does require attention is different: non-resident money has been flowing through the federation for a long time, and banks ask for justification on large incoming payments more often than in other countries. This rarely affects ordinary family remittances, but the transfer route is confirmed before payment.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the East Caribbean dollar (XCD), shared by countries and territories of the Eastern Caribbean Currency Union and rigidly pegged to the US dollar at a rate of 1 USD = 2.70 XCD. Saint Kitts and Nevis is the smallest independent country in the Western Hemisphere by area and population, yet the headquarters of the Eastern Caribbean Central Bank (ECCB), which issues XCD for eight countries and territories of the currency union, is located in the capital Basseterre. The federation consists of two islands—Saint Kitts and Nevis, with Nevis having its own island self-government bodies. A unique feature of the country is a citizenship-by-investment program launched in 1984 and considered the oldest active program of its kind in the world. The significant presence of non-residents and international capital means heightened bank attention to compliance: a large incoming payment may trigger requests for the basis of the transaction, source, and origin of funds. IBAN format is not used in Saint Kitts and Nevis: for international SWIFT transfers, you typically need the bank's SWIFT/BIC, account number, and the recipient's full name.
English is the official language, so bank details are formatted in Latin characters without additional transliteration. The country operates in UTC−4 timezone, 7 hours behind Moscow. ATM24 verifies the receiving bank, compliance, and available transfer route before confirming your application. International SWIFT transfers take 2–5 business days. ATM24 commission starts from 0.9%.
Card networks operate on both islands, with greater density on Saint Kitts. The application requires the card number and cardholder name in Latin characters. Funds are credited in East Caribbean dollars. Whether the payment will go through is confirmed before processing
Account details without IBAN, but with readiness to explain the payment purpose. You'll need the bank's SWIFT code, account number, and recipient's name. For larger amounts, prepare payment justification in advance. Confirm which island the account is held on
You can withdraw cash in Basseterre and Nevis. Main locations are Basseterre on Saint Kitts and Charlestown on Nevis. A ferry runs between the islands; the journey takes less than an hour. The available amount is confirmed when you submit your application
When applying for a transfer to Saint Kitts and Nevis, you'll need to provide the recipient's account number, their bank's SWIFT code, and the name in Latin characters—there is no IBAN format in this currency zone. Exchange rates are not a concern: XCD is pegged to the US dollar. What does deserve attention is documentation: banks in the federation are accustomed to funds from non-residents and scrutinize incoming payments more closely than usual.
We accept RUB, USD, EUR and USDT — we pay out in XCD
RUB XCD
0.02842per 1 RUB
10 000 ₽ = 284 XCDUSD XCD
2.57per 1 USD
100 $ = 257 XCDEUR XCD
2.86per 1 EUR
100 € = 286 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 Saint Kitts and Nevis
St. Kitts-Nevis-Anguilla National Bank — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
RBC Royal Bank SKN — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Bank of Nevis — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
FirstCaribbean SKN — 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), rigidly pegged to the US dollar at a rate of 1 USD = 2.70 XCD. The headquarters of the Eastern Caribbean Central Bank (ECCB), the central bank for eight countries and territories of the Eastern Caribbean Currency Union, is located in Basseterre.
Card systems
Visa and Mastercard are the main systems. The country is part of the ECCB zone. St. Kitts-Nevis-Anguilla National Bank and FirstCaribbean are the issuers. Card acceptance is well developed in tourist areas.
Payment applications
Incoming international payments may undergo enhanced compliance checks, including requests for the basis of the transaction and origin of funds.
Interbank transfers
IBAN format is not used: international transfers use the bank's SWIFT/BIC and account number.
Features for ATM24
Saint Kitts and Nevis is a Commonwealth realm; the country has not imposed sanctions against Russia. Transfers are accepted in XCD and USD. ATM24 verifies the transfer route and receiving bank before confirming your application.
Financial regulator
Eastern Caribbean Central Bank (ECCB) is the regional central bank for OECS countries; headquarters in Basseterre. Royal Bank of Canada (RBC) and Bank of Nova Scotia (Scotiabank) are leading banks.
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.
Real stories from real people
Excellent bank for contactless currency exchange! Manager Lev is very involved in the work, answered all questions and made the process as calm as possible in terms of security The only, in my observation, nuance is dealing with ATMs We recommend immediately providing a list of ATMs where you can cash out currency (so you can look at the list, approach the ATM and clarify with the manager the possibility of working with it) But that's more a question for updating Google Maps, since not all ATMs that are located around the city are shown on the maps
Read full reviewFast and high-quality currency exchange service at a favorable rate. Thanks to manager Emil the whole process was transparent and took no more than 10 minutes
Read full reviewTrustpilot
Great service, exactly what was needed for the last days, big thanks to the guys, manager Emil conducted the meeting excellently, arrived on time, well accompanied the deal 👍🏼
Read full reviewManager Ekaterina helped me get baht, everything is fine, the only thing is I expected the ATM withdrawal to be faster
Read full reviewI will note the good work of manager Ekaterina, she was always in touch, responded as quickly as possible and accompanied me throughout the whole transaction, everything went great — in the future I will definitely contact them again if needed)
Read full reviewThe exchange went successfully. I needed a small amount to exchange. The courier arrived, doubts disappeared when he said he has worked with the company for 3 years. The extra fee is not very large. But be prepared to have up to an hour for the operation. In any case it's more convenient than looking for something else.
Read full reviewExchanged cash like this for the first time. I won't say I wasn't nervous. But the exchange went smoothly, the rate was very pleasing. Manager Stanislav explained everything, told me everything — special THANKS to him. I recommend this service.
Read full reviewI exchange twice a month for more than half a year now while staying in Thailand. The whole process takes about 30 minutes. I'm satisfied with the service. Among all other services the rate is the most favorable. Manager Alisa is always in touch. I worked only with her.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've gathered answers about the East Caribbean dollar, bank verification procedures, and how transfers from Russia work.
To send money to Saint Kitts and Nevis with payout in XCD through ATM24, start with the recipient's exact route for the Saint Kitts and Nevis XCD payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as St. Kitts-Nevis-Anguilla National Bank. Bank-route examples for Saint Kitts and Nevis: St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank.
Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Saint Kitts and Nevis in XCD on the Saint Kitts and Nevis XCD payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Bank of Nevis may require a different set of details than CIBC Caribbean, so card and account routes are confirmed separately. Bank-route examples for Saint Kitts and Nevis: St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank.
Banks for an XCD transfer to Saint Kitts and Nevis should be checked by the recipient's actual route; common references include St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank. ATM24 reviews bank name, account format, recipient-name spelling, and payout currency before the sender pays. A different bank can require a separate check.
To prepare an XCD payout in Saint Kitts and Nevis, start with the exact recipient name and receiving route. ATM24 checks Bank of Nevis, Republic Bank, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Saint Kitts and Nevis: St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank.
A money transfer to Saint Kitts and Nevis in XCD can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as Republic Bank or CIBC Caribbean. Documents or bank review can extend the processing time. Bank-route examples for Saint Kitts and Nevis: St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank.
The ATM24 fee for sending money to Saint Kitts and Nevis with payout in XCD starts from 0.9% on the Saint Kitts and Nevis XCD 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 Saint Kitts and Nevis: St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank.
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives XCD in Saint Kitts and Nevis. The manager checks St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Saint Kitts and Nevis: St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank.
The minimum transfer amount to Saint Kitts and Nevis in XCD through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Saint Kitts and Nevis XCD payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes St. Kitts-Nevis-Anguilla National Bank to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Saint Kitts and Nevis: St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank.
A large XCD payout to Saint Kitts and Nevis can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Saint Kitts and Nevis: St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank.
For a 1000 USD transfer to Saint Kitts and Nevis, the live XCD estimate depends on the current ATM24 route: 2,567.42 XCD. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through St. Kitts-Nevis-Anguilla National Bank or Bank of Nevis. The final XCD amount is fixed before payment. Bank-route examples for Saint Kitts and Nevis: St. Kitts-Nevis-Anguilla National Bank, Bank of Nevis, Republic Bank, CIBC Caribbean, and Hamilton Reserve Bank.
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