Sending money from France to Haiti: the payments stack
Sending EUR 140 from France to Haiti cost 4.86% of the amount on average in Q3 2025, across 8 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Haiti typically run over SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing; between now and the end of 2027 there are 1 weekdays when banks in France are closed but Haiti keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 4.86% of EUR 140 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 4.82% across 7 services |
| Collect in France | SEPA Instant Credit Transfer (SCT Inst), TIPS (TARGET Instant Payment Settlement), T2 (RTGS and CLM), SEPA Credit Transfer (SCT), CENTROlink |
| Pay out in Haiti | SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing, Mobile wallets (FSP) |
What it costs to send EUR 140
The World Bank surveyed 8 services sending from France to Haiti from 8 August 2025 to 2 September 2025. The average total cost, fees plus the FX margin, was 4.86% of the amount sent; money transfer operators averaged 4.82%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: France
- PSD2 sets initial capital for payment institutions at 20,000 euros for money remittance only, 50,000 euros for payment initiation and 125,000 euros for the services in points 1 to 5 of Annex I (Article 7). source
- An e-money institution must hold initial capital of at least 350,000 euros at authorisation (EMD2, Article 4). source
- A payment institution that wants to provide services in another Member State for the first time notifies its home competent authority of the Member States, the services and any agents or branches it will use (PSD2, Article 28); agents are entered in the home register before they start (Article 19). source
Licences, sponsor banks, collections, ramps and KYC providers: sending from the Eurozone.
The payout side: Haiti
| Payout partner | What it does in Haiti | Source |
|---|---|---|
| MonCash | Mobile wallet whose Full (MonCash Plus) wallet holders receive international transfers from partners including Digicel International, Boss Money, Sendwave, Taptap Send, Sharemoney, C.A.M. and Shaka Express from North America, and CIBAO, Girofacil, Uno Money Transfer and More Money from Latin America. | source |
| NatTransfer (NatCash) | BRH-licensed money transfer company paying into NatCash wallets through a network of more than 30,000 NatCash agents, with a limit of 40,000 HTG per transaction on a standard account and higher limits after eKYC. | source |
| Sogexpress | Sogebank group subsidiary that sends and pays Western Union transfers at more than 500 Sogexpress points in Haiti. | source |
| CAM Transfer (Caribbean Airmail Inc.) | BRH-authorised maison de transfert based at the airport industrial park in Port-au-Prince. | source |
| Unitransfer S.A. | BRH-authorised maison de transfert based at the airport industrial park in Port-au-Prince. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Haiti: launching payments in Haiti.
Payout rails in Haiti
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| SPIH (Système de Paiement Interbancaire Haïtien) | Banque de la République d'Haïti | Real-time gross settlement system set up in 2007 for electronic transfers in gourdes or foreign currency between accounts at different participants; settlements are irrevocable and unconditional. | source |
| Electronic cheque clearing | Banque de la République d'Haïti | Electronic clearing and settlement introduced in 2013 cut cheque clearing times from five days to two. | source |
| Mobile wallets (FSP) | BRH-authorised electronic payment service providers | Wallet providers must hold BRH authorisation or non-objection as FSPs; the BRH list includes MonCash (Unigestion Holding) and NatCash (NATCOM). | source |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 1 dates when France is closed and Haiti is open, the payout balance has to already hold enough to cover them. On the 9 dates when Haiti is closed, instant rails may still pay out.
| Date | France | Haiti | What it means |
|---|---|---|---|
| Mon 2 Nov 2026 | Open | All Souls' Day (Fete des Morts) | Haiti banks closed: only always-on rails pay out |
| Wed 18 Nov 2026 | Open | Battle of Vertieres Day | Haiti banks closed: only always-on rails pay out |
| Fri 25 Dec 2026 | Christmas Day | Christmas Day | Both closed |
| Fri 1 Jan 2027 | New Year's Day | Independence Day and New Year's Day | Both closed |
| Tue 9 Feb 2027 | Open | Mardi Gras (Carnival Tuesday) | Haiti banks closed: only always-on rails pay out |
| Fri 26 Mar 2027 | Good Friday | Good Friday | Both closed |
| Mon 29 Mar 2027 | Easter Monday | Open | Prefund Haiti the day before: no funding from France, payouts continue |
| Tue 18 May 2027 | Open | Flag Day | Haiti banks closed: only always-on rails pay out |
| Thu 27 May 2027 | Open | Corpus Christi (Fete-Dieu) | Haiti banks closed: only always-on rails pay out |
| Mon 20 Sep 2027 | Open | Dessalines Day | Haiti banks closed: only always-on rails pay out |
| Mon 1 Nov 2027 | Open | All Saints' Day (La Toussaint) | Haiti banks closed: only always-on rails pay out |
| Tue 2 Nov 2027 | Open | All Souls' Day (Fete des Morts) | Haiti banks closed: only always-on rails pay out |
| Thu 18 Nov 2027 | Open | Battle of Vertieres Day | Haiti banks closed: only always-on rails pay out |
Full calendars: Euro area (TARGET2/T2 and SEPA) and Haiti. Size the buffer with the corridor runway calculator.
Funding the corridor
- At the Bundesbank, T2 RTGS accepts customer payments from 02:30 to 17:00 and bank-to-bank payments from 02:30 to 18:00 on business days, so non-instant euro funding must be sent within those windows. source
- T2 has a non-optional maintenance window every week from 02:30 Saturday to 02:30 Monday, extended over TARGET closing days (for example from Good Friday to the Tuesday after Easter); when the optional weekday window (03:00 to 05:00) is activated, settlement of liquidity transfers in TIPS is affected while TIPS keeps processing instant payments. source
- Transfer operators abroad must remit the funds received from senders in US dollars to their authorised agents in Haiti (banks and maisons de transfert) or to their Haitian subsidiaries, so prefunding is in USD. source
- The BRH publishes the reference rate and the average acquisition rate daily; on 24 October 2026 they were 130.7080 and 131.4420 gourdes per dollar. source
- Banks and maisons de transfert reimburse their sub-agents for transfers paid 70% in gourdes and 30% in US dollars, and sub-agents must sell that 30% only to an authorised exchange intermediary. source
Running the corridor
Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in France, the payout partners and banks in Haiti and any stablecoin in between. It warns before the Haiti balance runs dry, holidays included. See how it works.
Frequently asked questions
How much does it cost to send money from France to Haiti?
The World Bank's survey put the average total cost of sending EUR 140 at 4.86% in Q3 2025, across 8 services. Money transfer operators averaged 4.82%.
Which rails pay out in Haiti?
Local payouts run over SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing, Mobile wallets (FSP).
When do I need to prefund Haiti payouts ahead of holidays?
Between now and December 2027 there are 1 weekdays when France is closed and Haiti is open, the first on Mon 29 Mar 2027. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- T2 (opening hours and closing days) · European Central Bank
- TARGET Systems operating schedule, euro · European Central Bank
- Jours feries · Banque de l'Union Haitienne
- Haiti: les 14 et 15 aout 2026 declares jours feries et chomes · Juno7
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator