With over 4,000 stores worldwide, you can find a Walmart almost anywhere. That means you can quickly transfer money from nearly any Point A to nearly any Point B.

A money transfer is a secure, electronic way to send or receive money, so many prefer it to giving someone a cash or check. Walmart offers two types of money transfers: Walmart2Walmart and MoneyGram. In this article, we’ll cover everything there is to know about each type, including how to send and receive, fees and limits, how to track, and more.

In This Article

  • What Exactly Is a Money Transfer?

  • Which Money Transfer Option to Choose: Walmart2Walmart or MoneyGram

  • Walmart2Walmart Money Transfers

    • How Do I Send a Walmart2Walmart Money Transfer?
    • How Do I Receive a Walmart2Walmart Money Transfer?
    • What Are the Fees and Limits on Walmart2Walmart Money Transfers?
    • Can I Track My Money Transfer?
    • Hours for Sending and Receiving
  • MoneyGram Money Transfers

    • How Do I Send a MoneyGram Money Transfer?
    • How Do I Receive a MoneyGram Money Transfer?
    • What Are the Fees and Limits on MoneyGram Money Transfers?
    • Can I Track My Money Transfer?
    • Hours for Sending and Receiving

What Exactly Is a Money Transfer?

A money transfer is a way to send money to another person. It’s different from a money order. When you send a money order, the recipient gets a paper money order, which they’ll then have to cash at Walmart, their bank, or another check-cashing location. When you send a money transfer, the recipient gets cash (or, in some cases as outlined below, the money deposited into their account).

Why would you choose a money transfer instead of a money order or personal check? Because the recipient doesn’t have to cash a money transfer, it can be a faster way of sending money. Some people feel both money transfers and money orders are more secure than checks because they don’t include personal information like account numbers. And of course, a money transfer is electronic, so you don’t have to give the recipient an actual piece of paper.

Which Money Transfer Option to Choose: Walmart2Walmart or MoneyGram

Walmart offers two types of money transfers: Walmart2Walmart money transfers, powered by the firm Ria, and MoneyGram money transfers. You can send Walmart2Walmart money transfers to or from any Walmart location in the United States and Puerto Rico. You can send Walmart MoneyGram money transfers to or from over 4,000 Walmart locations worldwide, including most U.S. Walmart locations, as well as MoneyGram agents in other businesses.

We gathered info about the ins and outs of both types of money transfers that Walmart offers by calling Walmart locations, corporate Walmart customer service, and MoneyGram customer service, and by visiting the Walmart Money Transfers and Walmart2Walmart pages.

Walmart2Walmart Money Transfers

Walmart2Walmart is Walmart’s money transfer service for primarily domestic money transfers. You can use Walmart2Walmart to transfer money between Walmart locations in the U.S. and Puerto Rico. For these transfers, you need to go to an actual store — they can’t be made online.

How Do I Send a Walmart2Walmart Money Transfer?

To send or receive with Walmart2Walmart, you need to be over 18 years old and show any of the following forms of ID: U.S. Driver’s License or state ID, U.S. or foreign passport, green card, Mexican Visa/Border Crossing Card, Mexican Metricula Consular, Temporary Resident Card, Tribal ID, Employment Authorization Card, Military ID, or Naturalization and Immigrant Services ID Card. You can pay for the money transfer with cash or a debit card.

How Do I Receive a Walmart2Walmart Money Transfer?

To receive the money transfer you need to go to a Walmart and give the customer service representative the transaction reference number for the transfer, so be sure that the sender gives you that number. Because you have to pick up Walmart2Walmart money transfers in person, your only option is to receive the transfer as cash. Transfers are usually available for pickup within ten minutes of being sent.

What Are the Fees and Limits on Walmart2Walmart Money Transfers?

The Walmart2Walmart money transfer limit is $2,500 per person per day, except in Arizona, where there is a $499 limit per transaction. The fees are $4 for transfers up to $50, $8 for transfers of $50.01-$1,000, and $16 for transfers of $1,000.01-$2,500.

Can I Track My Money Transfer?

Yes. For Walmart2Walmart money transfers, you can track your transfer or get support by calling Ria customer service at (855) 355-2144 or by using Ria’s Track a Transfer online. If you suspect fraud, contact the Ria Fraud Department at (855) 355-2145.

Hours for Sending and Receiving

You can send and receive a Walmart2Walmart money transfer during regular Walmart store hours. Use the store locator to find your local store and check its hours.

MoneyGram Money Transfers

There are two ways to send Walmart MoneyGram transfers: in-person (by visiting a store) or online. There are some differences in the way you send and receive money orders depending on whether you are sending in-person or online. Either way, make sure that the recipient name you provide exactly matches what’s on the recipient’s ID, and save the receipt so you can give the reference number to the recipient, they’ll need it to pick up the transfer. You’ll also need to choose to use MoneyGram money transfers if you want to transfer money to a different country.

How Do I Send a MoneyGram Money Transfer?

For in-person transfers, you can send a money transfer between Walmarts with MoneyGram agents and actual MoneyGram locations (this includes from a Walmart to another Walmart, so long as both have money transfer services). Most Walmart locations, over 4000 worldwide, offer money transfer services at the customer service desk. Find your nearest Walmart or MoneyGram agent here.

When sending a money transfer in person from either a Walmart or MoneyGram location, you can only pay with cash or debit card. You also need to show your driver’s license or government-issued ID. Acceptable IDs include state IDs from the DMV, U.S. or foreign passports, green cards, or military IDs.

If you would rather make a transfer online, you can do so through the Walmart Money Transfers page. To use the online service, you have to create a free MoneyGram account with your email address and a password.

For all online money transfers, you can pay with a Visa or MasterCard credit or debit card. If you are sending money from the U.S. to another country, you can pay with a U.S. checking account. Depending on the amount of your transfer and destination country, you may pay a lower fee if you pay with your checking account.

You might also have to provide an ID when sending a transfer online, but it depends on how you are paying. If you are paying with a credit or debit card, you won’t need to enter any information from your ID. If you pay with your checking account, you’ll need to enter your driver’s license number. If you don’t have a U.S. driver’s license, the website directs you to pay with a credit or debit card instead.

How Do I Receive a MoneyGram Money Transfer?

How you receive a money transfer depends on how it was sent to you — in-person or online — and what country you are picking it up in.

In most cases, you have to pick up your money order in-person in the store. If a money transfer was sent in-person, your only option is to receive it as cash at a Walmart or MoneyGram location. You must also pick up in-person in some countries, including the U.S., where in-person pick up at a store is the only way you can receive money transfers.

MoneyGram transfers sent in person are usually available for pickup within minutes. Transfers sent online to be picked up as cash are usually available within a few minutes if the sender pays with their credit or debit card. But, if they pay with a checking account, it may take up to three days for the money to be available for you to pick up as cash.

To pickup a MoneyGram transfer in-person you’ll need to show your ID, either a driver’s license, state ID from the DMV, U.S. or foreign passport, green card, or military ID. Your name must match the name on the money order exactly. You’ll also need to give the reference number, which the sender will have received at the time of purchase.

Note: if you wish to send a money transfer to someone who doesn’t have a valid government-issued ID, you may be able to do so in-person. This is subject to local regulations, so check with your local Walmart or MoneyGram agent.

Outside the U.S., you may be able to pick up a transfer sent online as a deposit to your bank account, debit card, or SmartMoney or M-PESA mobile wallet, or as a delivery to your home. The person sending the money transfer will be able to see these options when they choose your country as the destination. If you are outside the U.S. and receiving your money transfer as a deposit, you won’t need to show ID as the money will go directly into your account.

If you’re outside the U.S. and are receiving your MoneyGram transfer as a deposit, your money will likely be available within the hour. But in some countries, bank deposits won’t be available until later. The timeframe for home delivery also depends on the country. There is no timeframe in which you must pick up your money order after it’s sent.

What Are the Fees and Limits on MoneyGram Money Transfers?

For transfers made in-person, you should be able to send at least $2,500 anywhere without trouble, but the actual spending limit for MoneyGram transfers made in-person depends on where you are sending the money transfer. We spoke with both Walmart and MoneyGram customer service agents but they were unable to confirm limits. The customer service agent won’t know ahead of time if you’ll be able to send the requested amount; if it’s too much, the computer will indicate this when the agent tries to process your order.

Fees on MoneyGram transfers sent in person are $4 for money transfers of up to $50, $8 for transfers of $50-$900, and vary for orders over $900. The sender can pay the fee, or they can have the fee deducted from the total amount of cash the recipient receives.

When sending a MoneyGram transfer online, you can send up to $2,999 per transfer to most countries and up to $6,000 every 30 days. Fees for online transfers are typically higher than in-person transfers. For transfers made online within the U.S., for example, the fee is usually $50 and there is no option to pay with a checking account. International transfers are usually cheaper, and you can save a bit if you pay with your checking account.

Fees vary depending on the amount you’re sending, where you’re sending it, and how you pay for it. You can visit the Estimate Fees page to get an idea of what you’ll pay based on the amount, country, and payment method.

Can I Track My Money Transfer?

For MoneyGram transfers, visit the Track a Transfer page. You’ll need to enter your transaction reference number and last name. If you’re having a problem with your money transfer, call MoneyGram Customer Support at (800) 689-8307.

Hours for Sending and Receiving

You can send money transfers in person from 7:00 AM to 9:00 PM local time. Online transfers can be made at any time. You can pickup money transfers in-person from 7:00 AM to 9:00 PM local time. If you’re outside of the US and receiving the transfer electronically, the time of day you receive it will depend on your bank or other local conditions.

In Summary

A Walmart money transfer can be a convenient method of sending someone money, and Walmart offers several options with Walmart2Walmart and MoneyGram transfers. You can choose to send a Walmart MoneyGram transfer from a physical Walmart or MoneyGram location or to do so online. There are pros and cons to each. If you send the transfer in person, the recipient may get the money sooner; however, they’ll have to pick it up at a Walmart or MoneyGram location. If you send the money transfer online, the recipient might be able to have it deposited to their bank account, debit card, or virtual wallet or delivered to their home, if they aren’t in the U.S. But, they might have to wait longer to get the money. You have more options for how to pay when you send online, but you also might pay a higher fee. Now that you know the ins and outs of Walmart to Walmart money transfers, you can decide which method will work best for your situation.