How to send money to Liberia in 2026: two currencies, instant transfers, investor guarantees and land leases
Liberia accepts the US dollar on a par with its own, and dollar deposits are the norm here. In 2026: which currency to send money in, how instant transfers between wallets work since December 2025, what the law guarantees an investor, how tax is paid and land is leased.
In short
- The US dollar is legal tender, and more than 90% of deposits are in dollars.
- On 7 October 2026 the central bank bought the dollar at 170.02 Liberian dollars.
- Instant transfers between wallets since 16 December 2025.
- A land lease for a foreigner: 10, 15 or 25 years depending on the investment.
In detail
In 2026 money can be sent to Liberia straight in US dollars: the dollar is legal tender here on a par with the Liberian dollar, and more than 90% of deposits at the country's banks are in dollars. On 7 October 2026 the central bank bought the dollar at 170.02 Liberian dollars. Since December 2025 wallets of different operators have been linked by instant transfers.
| How to receive a transfer | Status in 2026 | Currency | What the sender needs |
|---|---|---|---|
| A US dollar account | works | dollars with no exchange | the bank's international code, the account number, the account currency |
| A Liberian dollar account | works | Liberian dollars at the bank's rate | the same details |
| A mobile wallet | works | US dollars or Liberian dollars | the phone number and the owner's name |
| An instant transfer between operators' wallets | works since 16 December 2025 | the wallet currency | the phone number |
Checked on 8 October 2026. Central Bank of Liberia market rates for 7 October 2026: buying 170.0247, selling 172.0571 Liberian dollars per US dollar.
US dollar or Liberian dollar: which currency to send in
Liberia lives on two currencies. According to the central bank's strategic plan for 2025-2029, at least 70% of the money in circulation and more than 90% of deposits are in US dollars. So for a family in Monrovia it is most convenient to send dollars to a dollar account: the transfer arrives with no exchange, and Liberian dollars are bought locally for small expenses.
There is no international account number in Liberia. The sender is given the recipient bank's international code, the account number and the account currency: if US dollars are stated, the money arrives one to one.
Instant transfers between wallets: what the central bank launched in December 2025
On 16 December 2025 the Central Bank of Liberia opened an inclusive instant payment system. As the first step it linked the wallets of two mobile operators, Lonestar Cell MTN and Orange Liberia, and banks are joining next. Since 2026 the fee for a transfer between operators through the system is no more than 1% for sums from $1 to $2,000 and no more than $25 for larger sums.
Under the central bank's mobile money rules a wallet is kept in US dollars or Liberian dollars. Send money to relatives' wallets and put a large sum in an account? A manager will suggest the route for each sum.
An account at a bank in Monrovia for business and transferring profit
Under Article 11 of the 2010 investment law, an enterprise is guaranteed transfers into and out of Liberia through authorised banks in a freely convertible currency: of the capital invested, payments on foreign loans, and proceeds from selling the business after taxes. A foreign investor opens bank accounts on the same terms as Liberian companies.
Tax in Liberia: 182 days, a scale up to 25% and 15% on interest
Under the tax code a resident is someone who lives permanently in Liberia or has spent more than 182 days in the country in any 12 months. A resident pays tax on worldwide income, a non-resident only on income from Liberia. The scale for a resident: up to 70,000 Liberian dollars a year 0%, then 5%, 15% and 25%. Deposit interest is taxed at 15%, and interest up to 200 Liberian dollars a year is not taxed.
Land in Liberia: a lease for 10, 15 or 25 years against investment
Under Article 22 of the 1986 Constitution and Article 8 of the 2018 land rights law, land is owned by a citizen of Liberia or a company wholly owned by citizens. A foreigner takes a lease or a concession, and under Article 60 the term depends on the investment in the plot: from $100,000 - 10 years with a 5-year extension, from $500,000 - 15 years with a 10-year extension, from $1 million - 25 years with a 10-year extension.
A lease is made in writing and signed by the landowner. For a farm, a hotel on the coast or a warehouse the money is sent to the company's account. A manager will go through the project and the procedure for paying the lease.
A large transfer to Liberia: what papers to prepare
Banks in Liberia check clients under the law on countering money laundering and terrorist financing, and the central bank supervises banks under the 2025 banking law. In 2026 the papers grow with the sum:
| Amount | What a bank in Monrovia will ask | What to show |
|---|---|---|
| Up to $10,000 | the recipient and the purpose | the purpose: family, studies, medical treatment |
| $10,000-$100,000 | the source of the money | a bank statement, an income certificate |
| From $100,000 | the origin of the money and the project | a property sale contract, a lease or concession agreement, company documents |
A package put together before sending speeds up the crediting of a large sum. Countries for moving with capital are compared on the capital relocation page.
We will help you send money to Liberia
Liberian dollars instead of US dollars, a large sum to a wallet, a lease without calculating the investment for the term you need - such mistakes cost more than the fee. We will help you avoid them: we will choose the currency and account, prepare documents for the bank in Monrovia and carry out the transfer through licensed partners through to crediting.
Details and the cost are with a manager in the chat: it all depends on the amount, the currency and the purpose of the transfer to Liberia.
Liberia and the neighbouring countries of the coast
- Sierra Leone: the western neighbour with the new leone.
- Guinea: the northern neighbour with a floating franc.
- Côte d'Ivoire: the eastern neighbour on the CFA franc.
- Ghana: an English-speaking partner in West Africa.
- USA: the source of many dollar transfers.
Choosing a country to live in with your money is on the capital relocation page.
FAQ
Can a transfer be received in Liberia straight in US dollars?
How much is charged for a transfer between wallets of different operators in Liberia?
Is deposit interest taxed in Liberia?
For what term is land leased to a foreigner in Liberia?
We will suggest the best way to send your money
We will choose a transfer method for your amount and country, prepare the documents on the origin of the money for the bank, make the transfer through licensed partners and follow it until the money is credited. Ask your question in the chat - the manager will suggest the best terms and the cost. The legal side with banks and government bodies is handled by Murblz specialists and locally licensed partners.
Details and cost are with the manager in the chat. Describe your situation and we will reply right away.
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