Haiti's HTG 100,000 figure is a cash ceiling. Section 12.1 of Banque de la République d'Haïti Circulaire No. 121 caps the individual cash deposit and withdrawal limit a provider may assign at HTG 100,000.00 per transaction, and section 12 states that the limits do not apply to the receipt and transfer of funds in electronic form.
Haiti's most-quoted money limit is a cash limit. Circulaire No. 121 of the Banque de la République d'Haïti caps what an electronic payment provider may let a client push in or pull out as physical currency, then says in the same section that the cap does not reach funds received or transferred in electronic form. A different circular limits the mechanism once a sum reaches USD 1,000.
Key Takeaways
- Circulaire 114-3 section 1.1 bars a maison de transfert from effecting a transfer to an account for any sum equal to or greater than USD 1,000.00. At or above that figure the route is a bank wire.
- Circulaire No. 121 section 12.1 caps the maximum individual limit a provider may assign for cash deposit and withdrawal at HTG 100,000.00 per transaction.
- Section 12.2 caps monthly cumulative cash at four times that assigned limit. The circular's worked example is a client assigned HTG 20,000 who may not exceed HTG 80,000 of cash in a month.
- Section 12 states those limits do not apply to the receipt and transfer of funds in electronic form.
- The HTG 10,000 balance cap and the HTG 10,000 daily and HTG 60,000 monthly limits still widely repeated were abrogated by section 22 of Circulaire No. 121, and remain downloadable from the central bank's site.
What stops a transfer to Haiti at USD 1,000?
A routing rule, keyed to the sum.
Circulaire 114-3 of the Banque de la République d'Haïti is dated 23 August 2022. Its section 1.1 provides that a maison de transfert, a transfer house, may not effect a transfer to an account for any sum equal to or greater than USD 1,000.00, and that at or above that figure a bank wire is the route instead.
Read as a rule about money, that looks like a cap. Read as a rule about institutions, it is a routing instruction. Nothing in it limits what a person in Australia may send: it decides which kind of institution may carry a sum of that size to an account in Haiti.
The commencement date is contradictory in the Bank's own documents. The text of 114-3 states 5 September 2022. Note additionnelle #1 gives 3 October 2022, and this guide follows the Note.
That Note also put two provisions en veilleuse, in abeyance, for three months from 3 October 2022: the savings-account-only obligation within section 1.1, and the sub-agent currency-sale conditions in section 1.4. No published notice extending or ending that suspension was found. The USD 1,000 limb sits alongside the suspended obligation rather than inside it.
What does Haiti's HTG 100,000 ceiling actually limit?
Cash crossing a counter, in either direction.
Circulaire No. 121, addressed Aux fournisseurs de services de paiement électronique, is dated 6 December 2021, signed by Governor Jean Baden Dubois, and in force from that day under its section 22. It is made under article 2 of the loi du 17 août 1979 and articles 6 and 72 et suiv. of the loi du 14 mai 2012.
Section 12.1 requires the provider to set an individual limit for each client, and provides that the maximum individual limit for cash deposit and withdrawal transactions may never exceed HTG 100,000.00 per transaction. Section 12.2 then caps monthly cumulative cash in and cash out at four times the limit assigned to that client. The circular supplies its own worked example: a client assigned HTG 20,000 may not exceed HTG 80,000 of cash in a month.
So the assigned figure does two jobs. It is the per-transaction ceiling, and multiplied by four it is the monthly one. HTG 100,000 is the highest cash limit a provider may assign to any client.
Then comes the sentence that changes what the section means. Those limits do not apply to the receipt and transfer of funds in electronic form, and they do not apply to distribution agents or affiliated merchants.
| The figure | Instrument | What it attaches to |
|---|---|---|
| HTG 100,000.00 per transaction | Circulaire No. 121, section 12.1 | the ceiling on the individual cash deposit and withdrawal limit a provider may assign |
| four times the assigned limit | Circulaire No. 121, section 12.2 | monthly cumulative cash in and cash out for that client |
| USD 1,000.00 | Circulaire 114-3, section 1.1 | the sum at which a transfer house may no longer effect a transfer to an account |
One caution belongs beside that table, because the two instruments in it do not cross-refer. Circulaire 114-3 requires payment in gourdes at every point of service "ou sur un instrument de paiement", on a payment instrument, and never defines the term. It uses none of the words for electronic wallet, electronic money, mobile telephone or payment service provider. The wallet definition sits in Circulaire No. 121, and no published text of the Bank bridges the two, so whether and how an inbound remittance reaches an electronic account is a question these documents leave to each other.
Which Haitian wallet limits no longer exist?
The three everybody quotes.
The Lignes directrices relatives à la banque à distance carry the reference CA/#21-2010 and the date 17 September 2010. They set a HTG 10,000 balance cap and HTG 10,000 daily and HTG 60,000 monthly limits on transfers. Those are the figures that circulate whenever Haitian electronic accounts come up.
Section 22 of Circulaire No. 121 abrogates them, together with their additional notes of 21 February 2011. The circular identifies the guidelines by a 1 October 2010 date while the file itself is stamped 17 September 2010, so the two dates describe one instrument from different ends.
What keeps the dead figures alive is that the document was never taken down. It remains downloadable from the Bank's own website, and the abrogating text sits in a separate document the old file does not point to.
A HTG 10,000 balance cap describes an account that can hold very little. A HTG 100,000 per-transaction cash ceiling carrying an electronic-form carve-out describes something else entirely.
Who is allowed to issue electronic money in Haiti?
A short list, and the Bank publishes it.
Section 4.1 of Circulaire No. 121 requires prior authorisation or a non-objection from the Bank, and provides that the Bank maintains and publishes the register of electronic payment service providers. Section 8 requires a client to be identified with a valid official identity document before an account is opened.
That requirement drew a formal accommodation. An avis of 21 August 2024, citing clients unable to obtain an official identity document, exempted providers from the related penalties for nine months, expiring 31 May 2025, subject to quarterly progress reports, while restating that the section 8 obligation remained mandatory. No later notice was found.
The register lists five entities under their operating companies rather than the names a sender would recognise. MonCash appears under Unigestion Holding S.A. It carries no licence number, no authorisation date and no as-at date, so it establishes appearance on the list and nothing about when that appearance began.
Where to look next
What a payment rail is made of sets out the layers a cross-border payment depends on and how a rule removes one of them at a time. How international transfers work covers the sequence a payment moves through and the points at which it can be held. For the live figures, see the Australian dollar to Haitian gourde page or the convert page.
Sources
- Banque de la République d'Haïti, Circulaire 114-3, 23 August 2022 - section 1.1: the bar on a maison de transfert effecting a transfer to an account for any sum equal to or greater than USD 1,000.00. It also makes payment of international transfers in gourdes the default at every point of service "ou sur un instrument de paiement", a term it does not define. The circular's own text states 5 September 2022 as its entry into force
- Banque de la République d'Haïti, Note additionnelle #1 to Circulaire 114-3, 3 October 2022 - the commencement date used here, against the 5 September 2022 in the circular itself; and the placing in abeyance for three months of the savings-account-only obligation in section 1.1 and the sub-agent currency-sale conditions in section 1.4
- Banque de la République d'Haïti, Circulaire No. 121, Aux fournisseurs de services de paiement électronique, 6 December 2021, signed Jean Baden Dubois - section 12.1 on the HTG 100,000.00 per-transaction ceiling for cash deposit and withdrawal limits; 12.2 on the four-times monthly cap and its HTG 20,000 worked example; the section 12 carve-out for funds received and transferred in electronic form, for distribution agents and for affiliated merchants; 4.1 on authorisation and the published register; 8 on identification before account opening; and 22 on entry into force and on the abrogation of the 2010 guidelines and their additional notes of 21 February 2011
- Banque de la République d'Haïti, Lignes directrices relatives à la banque à distance, réf. CA/#21-2010, 17 September 2010 - the abrogated source of the HTG 10,000 balance cap and the HTG 10,000 daily and HTG 60,000 monthly transfer limits. Still downloadable from the Bank's own site, with nothing in the file recording the abrogation
- Banque de la République d'Haïti, register of electronic payment service providers - five listed entities, given under their operating companies, including Unigestion Holding S.A. for MonCash. No licence number, no authorisation date and no as-at date
- Banque de la République d'Haïti, Avis aux fournisseurs de services de paiement électronique, 21 August 2024 - the nine-month exemption from the penalties attached to the section 8 identification requirement, expiring 31 May 2025, subject to quarterly progress reports, with the identification obligation itself restated as mandatory
All six sources were read at origin.
Three further circulars of the Bank were not read for this guide: Circulaire 131 and Circulaire 129-1, both of February 2026, and Circulaire 118-1. Nothing above is offered as the last word on Circulaire No. 121 or Circulaire 114-3.
General information about sending money to Haiti and about the rules that apply on the receiving side. Not financial advice, and not a recommendation of any product or institution. Reviewed by the Tradergy editorial team, September 2026.
Common questions
Is there a limit on how much money can be sent to Haiti?
There is a limit on one route. Section 1.1 of the Banque de la République d'Haïti's Circulaire 114-3 provides that a maison de transfert may not effect a transfer to an account for any sum equal to or greater than USD 1,000.00, and that a bank wire is the route at or above that figure. It attaches to the mechanism rather than to the amount a person may send.
What is Haiti's HTG 100,000 limit?
It is a cash ceiling. Section 12.1 of Circulaire No. 121 requires an electronic payment service provider to set an individual limit for each client, and provides that the maximum individual limit for cash deposit and withdrawal transactions may never exceed HTG 100,000.00 per transaction. Section 12.2 caps monthly cumulative cash at four times the limit assigned to that client.
Do those limits cap what an electronic account in Haiti can receive from abroad?
Section 12 says they do not. It states that the limits do not apply to the receipt and transfer of funds in electronic form, nor to distribution agents or affiliated merchants. The figures govern physical currency crossing a counter in either direction.
Are the HTG 10,000 and HTG 60,000 wallet limits still in force in Haiti?
No. Those figures come from the Lignes directrices relatives à la banque à distance, which set a HTG 10,000 balance cap and HTG 10,000 daily and HTG 60,000 monthly transfer limits. Section 22 of Circulaire No. 121 abrogates those guidelines and their additional notes of 21 February 2011. The superseded file remains downloadable from the central bank's own website.
Who is allowed to issue electronic money in Haiti, and how would a recipient tell?
Only a provider the central bank has cleared, and the list is public. Section 4.1 of Circulaire No. 121 requires prior authorisation or a non-objection from the Banque de la République d'Haïti, and makes the Bank the keeper and publisher of the register of electronic payment service providers. The five listed entities appear under their operating companies alongside their service names, so MonCash sits under Unigestion Holding S.A. The register carries no licence number, no authorisation date and no as-at date.