SamoaWSTSamoan Tala
Samoa's currency is the tala, and transfers to the country matter more than to many others: money from relatives working abroad makes up a huge portion of Samoan families' income. A practical feature of this destination is time. In 2011, the country moved to the other side of the International Date Line and now is ahead of Moscow by ten to eleven hours, depending on the season.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Samoan tala (WST), which is divided into 100 sene. The name "tala" comes from the local form of the English word dollar. The country's economy depends heavily on remittances from the Samoan diaspora working in New Zealand, Australia, and the USA, so incoming international transfers are a routine operation for local banks. Banking infrastructure is most developed in Apia and major settlements, whereas on Savai'i island there are noticeably fewer branches. IBAN format is not used in Samoa: for an international SWIFT transfer, you typically need the bank's SWIFT/BIC, account number, and the recipient's full name.
Samoa has not introduced its own sanctions against Russia; however, any specific transfer depends on the recipient bank, correspondent chain, and standard AML/KYC checks. The official languages are Samoan and English, so bank details are formatted in Latin characters. A special feature of the country is related to the International Date Line: at the end of 2011, Samoa moved to its western side to synchronize the working week with major trading partners, and December 30, 2011 did not exist in the local calendar. Samoa now operates in UTC+13 time zone and is 10 hours ahead of Moscow. ATM24 checks the available route in advance before confirming the application. International SWIFT transfer takes 2–5 business days. ATM24 commission is from 0.9%.
Card networks operate in Apia and tourist locations. The application requires the card number and cardholder name in Latin characters. Credit in tala, exchange rate visible before payment. Card transfer availability is verified by application
IBAN format is not used: the recipient is found using the bank's SWIFT code and account number. You need the account number, bank SWIFT code, and recipient's name. English is official; the name is transferred from the passport as-is. The route to the bank is verified before sending money
You can withdraw cash in Apia and major settlements. Main location is Apia on Upolu island. On Savai'i, the second large island, there are noticeably fewer branches. Available cash amount is specified when the application is submitted
For Samoa you need the recipient bank's SWIFT code, account number, and their name; IBAN format is not issued in the country, and English resolves any transliteration questions. Samoa has not introduced sanctions against Russia. Keep in mind the time difference: the country is ahead of Moscow by ten to eleven hours.
We accept RUB, USD, EUR and USDT — we pay out in WST
RUB WST
0.02909per 1 RUB
10 000 ₽ = 291 WSTUSD WST
2.61per 1 USD
100 $ = 261 WSTEUR WST
2.96per 1 EUR
100 € = 296 WSTUSDT WST
2.61per 1 USDT
100 USDT = 261 WST| You send | Payout in WST |
|---|---|
| 100 USDT | 261 WST |
| 300 USDT | 783 WST |
| 500 USDT | 1 304 WST |
| 1 000 USDT | 2 608 WST |
| 5 000 USDT | 13 042 WST |
Where recipients usually get the money in Samoa
Samoa Commercial Bank — a commercial bank for personal and corporate customers. Core services include accounts, cards, payments, and settlement services.
ANZ Samoa — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
BSP Financial Group Samoa — a financial group or banking holding company whose services may include banking, payments, and corporate accounts.
National Bank of Samoa — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
National currency
The national currency is the Samoan tala (WST), which is divided into 100 sene.
Card systems
Visa and Mastercard are accepted in Apia. ANZ Samoa, BSP (Bank South Pacific), and National Bank of Samoa are the main banks. GooPay (ANZ) is available for mobile transfers. The country uses the Samoan tala (WST).
Payment applications
Digicel Mobile Money is the main mobile money operator in Samoa. GoLoan (ANZ Samoa) is a banking app. Western Union and MoneyGram agents operate through Fia Fia store networks.
Interbank transfers
IBAN format is not used in Samoa: international transfers use the bank's SWIFT/BIC and account number.
Financial regulator
Central Bank of Samoa is the central bank and financial regulator; located in Apia. ANZ Samoa, Bank of South Pacific, and National Bank of Samoa accept international transfers.
Features for ATM24
Samoa has not introduced 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 compiled answers about the tala, the time difference with Moscow, and the transfer procedure.
To arrange a WST payout in Samoa, ATM24 first checks the receiving channel for the Samoa WST payout route. The route is confirmed before payment, including Bank of South Pacific Samoa, National Bank of Samoa, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Samoa: Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank.
In Samoa, a WST transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Samoa WST payout route through a bank such as ANZ Samoa or Development Bank of Samoa 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 Samoa: Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank.
For Samoa, ATM24 can review a WST payout through banks such as Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank. The manager checks whether the selected bank route supports the incoming transfer and which account or card details are needed. The bank route is confirmed before payment.
Recipient details for Samoa in WST depend on the bank or payout channel named in the order. ATM24 may need the recipient name, Bank of South Pacific Samoa or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Samoa: Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank.
For Samoa, a WST payout may be fast only after the selected channel is checked. ATM24 reviews Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for Samoa: Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank.
The fee for sending money to Samoa with payout in WST is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through ANZ Samoa or National Bank of Samoa, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for Samoa: Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank.
Yes, ATM24 can calculate a transfer to Samoa in WST where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Samoa WST payout route, payment currency, exchange conditions, bank details such as Bank of South Pacific Samoa or National Bank of Samoa, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Samoa: Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank.
For Samoa, the minimum WST transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Bank of South Pacific Samoa, ANZ Samoa, recipient details, payout method, and document requirements before payment. A route through ANZ Samoa may have different limits than a card or non-bank payout. Bank-route examples for Samoa: Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank.
For Samoa, extra documents for a WST payout depend on the route through ANZ Samoa, National Bank of Samoa, 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 Samoa: Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank.
For Samoa, a 1000 USD transfer can produce a different WST result depending on the receiving route: 2,608.37 WST. The ATM24 calculation includes Development Bank of Samoa 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 Samoa: Bank of South Pacific Samoa, ANZ Samoa, National Bank of Samoa, Development Bank of Samoa, and Samoa Commercial Bank.
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