Fastest ways to make an emergency money transfer

If you or a loved one are in an emergency and need cash quickly, here are your best options.

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  • Use promo code 3FREE to get three free transfers
  • Easy to use with round-the-clock help
  • Get cash to family and friends in minutes
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Money transfer services offer some of the fastest ways to transfer money to someone in cash or for direct deposit in an emergency — but which provider you should use depends on how much you’re sending and how quickly you need it to arrive.

Compare the fastest international money transfers

Even though speed is crucial, compare exchange rates and fees to make sure you aren’t paying too much for your transfer.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
CAD 1 Same day CAD 0.00 0.758 USD
3,788
Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
USD 150 1 day CAD 15.00 0.754 USD
3,758
Exclusive offer: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee.
A higher exchange rate applies to non-finder customers. Send money in 45 currencies.
Go to site Show details
GBP 3,000 1 day CAD 0.00 0.754 USD
3,769
Global Reach will match any competitor's exchange rates. Conditions apply.
Get no fees for both business and personal transfers when you send your money overseas with Global Reach.
Go to site Show details
CAD 0 Within an hour CAD 3.99 0.758 USD
3,789
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
Go to site Show details
CAD 1 1 - 2 days CAD 45.00 0.761 USD
3,773
Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Moving money domestically?

You may need to use a money transfer specialist when sending money internationally during an emergency, but domestic transfers have more options. Read our guide on the best way to send money, both domestically and internationally, to make sure you’re getting the best deal on your transfer.

Three of the fastest services to transfer money

When there’s an emergency, getting money out as quickly as possible is key. These three service providers deliver the fastest money transfer services easily and safely.

WorldRemit

WorldRemit is entirely online, meaning you can access it from the convenience of your computer or its app. It operates in more than 140 countries around the world with flexible transfer options from your bank account, credit card or debit card.

Your fastest option is mobile money (if available) or for cash pickup at a WorldRemit agent location.

WorldRemit money transfers logo

WorldRemit at a glance
  • Maximum transfer: Varies by country
  • Minimum transfer: $1
  • Transfer speed: Within 1 hour
  • Transaction fee: $3.99
How can I send money quickly?

You’ll need to sign up for a free account with WorldRemit. You’ll also need to provide your personal information, the transaction details and your payment information.

What happens next?

WorldRemit will confirm the transaction with both you and your recipient by email or text and notify you when the funds are received or picked up. If you have any problems, you can contact customer service 24/7 at 1-888-772-7771 (for service in French, call 1-888-961-4869) or online through live chat.

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MoneyGram

As the second-largest provider of international money transfers in the world, MoneyGram is one of the most trusted. Its extensive network of 350,000 agent locations has a presence in more than 200 countries.

With MoneyGram, sending funds can take minutes depending on local regulations and procedures. Your fastest option is to pay with a credit or debit card (or with cash at an agent location) and choose the cash pickup option. Once the money is sent, it arrives for almost immediate cash pickup at locations worldwide. In some countries, you even have a mobile wallet option.

MoneyGram International Money Transfers logo

MoneyGram at a glance
  • Maximum transfer: $990 online (you can send more in person at a MoneyGram branch)
  • Minimum transfer: $1
  • Delivery speed: Typically within minutes, but up to 1 day
  • Transaction fee: $4.99 plus anywhere between 0.6% and 10% of the transfer
How can I send money quickly?
  • Head to the MoneyGram site and start a transfer using your bank account, credit card or debit card.
  • Use MoneyGram’s online locator tool or call to find a location near you. You can send MoneyGram transfers at most Canada Post outlets.
What happens after?

Once the money transfer is complete, the receiver can visit their nearest MoneyGram location to collect it. Remind them to bring along their reference number (which is included in the confirmation emails for online transfer) and ID for pickup. If you have a problem, contact customer service through the site or toll-free at 1-800-926-9400.

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Western Union

Western Union has the biggest network of agent locations with 500,000 agent locations in 200 countries. You can send funds online, through a mobile app, in person or by phone. You’re able to pay with a bank transfer, cash, debit card or credit card.

As with MoneyGram, your fastest option is to pay by debit or credit card for cash pickup.

Western Union Money Transfers logo

Western Union at a glance
  • Maximum transfer: $50,000
  • Minimum transfer: $1
  • Transfer speed: In minutes if using a debit or credit card for cash pickup
  • Transaction fee: Typically around 1% to 6% of the transfer
How can I send money quickly?
  • Head to Western Union’s website. You’ll need your personal information, your recipient’s details and a valid method of payment to make the transfer.
  • Visit a Western Union location near you with cash or a debit card.
What happens next?

You’ll receive a unique Money Transfer Control Number with your confirmation. You can track your transfer online with this number. If you have any problem, contact customer service 24/7 at 1-800-235-0000 or through the online form on Western Union’s site.

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What do I need to look out for when sending cash quickly?

Fees for emergency transfers will vary among banks and money transfer services. Before you make your transfer, compare:

  • Exchange rates. Money transfer services make money by skewing exchange rates. You’ll want to look for a rate that’s as close to the mid-market rate as possible.
  • Transfer fees. Fees can range from flat fees of a few dollars to up to $80 or more, depending on how you’re sending it or picking it up.
  • Transfer options. Can your recipient accept a bank account transfer, or do they need to pick up cash right away?
  • Security. For emergencies, you’ll appreciate being able to track your transfer through to receipt.

Bottom line

Being robbed of your valuables, needing emergency medical treatment or missing your return flight home can be stressful. But having the ability to quickly receive funds or help loved ones far away can let off at least some of the pressure. If you have a little more time, however, compare your available options for international money transfers.

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