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International money transfers with cash pickups

Send money securely in minutes worldwide — without the need for a bank deposit.

Shirley Liu

Zak Killermann

Updated Apr 12, 2020

Fact checked

If you need to send money overseas to loved ones who don’t have a bank account, look for a money transfer specialist that offers cash pickups. These types of transfers are secure and fast, with pickups available worldwide in minutes. But watch for higher fees and weaker exchange rates than deposit transfers.

Compare international cash pickup money transfers

Compare transfer fees, exchange rates and other details when sending money overseas with partners offering cash pickup.

I want to send

Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
CAD 10	Within an hour	CAD 1.99	0.806	USD 8,060	Special offers like free transfers and better exchange rates available for new customers. Remitly has quick, affordable transfers around the world, with both express and economy options.	Go to site	Compare	Show details	Details Minimum transfer amount CAD 10.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Chat, Email Available currencies ARS, BDT, BGN, BOB, BRL, CAD, CLP, CNY, COP, CRC, CZK, DOP, EGP, ETB, GHS, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, INR, JMD, KES, KMF, KRW, LKR, MAD, MXN, MYR, NIO, NPR, PEN, PHP, PKR, PLN, PYG, RON, RWF, THB, TND, TRY, TZS, UGX, USD, UYU, VND, XAF, XOF, ZAR Go to site Read the full review
CAD 0	Within an hour	CAD 3.99	0.811	USD 8,111	Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply. WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.	Go to site	Compare	Show details	Details Minimum transfer amount CAD 0.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, LAK, LBP, LKR, LRD, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XOF, ZAR, ZMW, BYN Go to site Read the full review
CAD 1	Within an hour	CAD 8.00	0.787	USD 7,863	MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.		Compare	Show details	Details Minimum transfer amount CAD 1.00 Transfer methods Online, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order Transfer options N/A Customer service Phone, Email Available currencies AED, AFN, ALL, ANG, AUD, AWG, BMD, BND, CAD, CHF, CZK, DKK, DZD, ERN, EUR, FJD, GBP, GIP, HKD, HUF, IDR, ILS, INR, IQD, JPY, KRW, KWD, LKR, LRD, LYD, MAD, MGA, MKD, MMK, MNT, MOP, MXN, MYR, NGN, OMR, PEN, PGK, PHP, PKR, PLN, SAR, SBD, SCR, SDG, SEK, SGD, SZL, THB, TOP, TRY, TWD, USD, UZS, VND, VUV, WST, XCD, XOF, XPF, YER, ZAR Read the full review
CAD 1	Same day	CAD 20.00	0.787	USD 7,858	Western Union sends money online to friends and family in 200+ countries around the world.		Compare	Show details	Details Minimum transfer amount CAD 1.00 Transfer methods Online, Phone, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order Transfer options One off payments Customer service Phone, Email Available currencies AED, AFN, ALL, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CHF, CLP, CNY, COP, CRC, CUC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, EUR, FJD, FKP, GBP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HUF, IDR, INR, IQD, ISK, JMD, JOD, JPY, KES, KGS, KMF, KWD, KZT, LAK, LKR, MAD, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NGN, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SAR, SBD, SEK, SGD, SLL, STD, THB, TND, TOP, TTD, TZS, UGX, USD, UYU, UZS, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZMW Read the full review

Compare up to 4 providers

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

What's in this guide?

Compare international cash pickup money transfers
How does a cash pickup work?
How to compare services that let you pick up cash
What are the pros and cons of picking up cash?
Tips for picking up money in person
Frequently asked questions

How does a cash pickup work?

A cash pickup allows your recipient to pick up their money in cash from a physical location, instead of through a digital deposit into a bank account. The process varies by company but typically requires four steps:

Place your order. You submit your recipient’s contact information, the amount you’re looking to send and other details at a money transfer company’s storefront or through its site. Some specialists require you to choose a specific location for pickup. Take care entering your recipient’s name as shown on their ID to avoid issues with pickup.
Wait for processing. Turnaround varies by company, but most expedite cash pickups. You receive a transfer reference number once processed that your recipient can use for pickup — and that you can use to track the progress of your transfer.
Pickup cash. Armed with your transfer reference number and an ID, your recipient picks up their cash at the location you’ve specified or at a convenient location in the company’s network.
Get confirmation. After your recipient picks up the money transfer, you may receive a text or email confirming the time and location of the pickup. Or track the transfer with the transfer reference number your company provided with your order.

Cash pickup providers

The best-known providers of cash pickups are Western Union and MoneyGram. Western Union allows you to send money online or in person at more than 500,000 locations in over 200 countries. MoneyGram also offers online and in-person transfers to more than 200 countries, with some 350,000 agent locations around the globe.

Some providers allow you to process a money transfer without a bank account. This is especially useful for the unbanked and underbanked, because you can take cash into a physical location for sending around the world.

Other digital providers like WorldRemit offers cash pickups at select bank branches in countries worldwide.

How to compare services that let you pick up cash

Weighing the pros and cons of a cash pickup against your recipient’s needs:

Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate — the rate banks and transfer services use when they trade among themselves — and look for the smallest margin between them.

Fees. Does the provider charge a flat fee or a percentage of your transfer? Do the fees vary by method of payment? If you’re sending a large amount, will you qualify for a fee-free transfer?

Pickup locations. How many agent locations are in the area you’re planning to send money to? Make sure the location and operating hours are convenient for your recipient.

Transfer speed. How long will it take for the money you send to be available for your recipient to collect? If you need to send an emergency transfer, can the cash be ready for pickup within minutes?

Payment methods. Can you pay with cash, credit or debit card or a bank account transfer?

Transfer methods. Can you initiate the transfer online, by phone or with an agent? Does the provider offer an online app?

Customer support. Most companies offer help through live chat, by phone, in person or through email. Make sure help is available if you need it.

What are the pros and cons of picking up cash?

Pros

Fast turnaround. Cash pickups offer an incredibly quick way to send money overseas — some for pick up within minutes.
Plenty of choice. Several trusted companies operate in the money transfer industry, giving you the freedom to shop around for a better deal.
Safe and secure. Providers like Western Union and MoneyGram offer safe, reliable international transfers.
Convenient. Picking up cash from a transfer agent makes it simple and convenient for your recipient to access the funds you send.

Cons

Transfer fees. You’ll often pay more for a cash pickup over a transfer deposited into your recipient’s bank account. Confirm the fees you face before handing over your cash.
Weak exchange rates. Exchange rates on cash transfers can be weaker than those you’d receive from an online money transfer specialist — and even a small difference in rates can mean a lot less money received by friends and family. Compare the exchange rate you’re offered against the mid-market rate before making your decision.
Untrustworthy providers. Compare reputable providers to avoid issues with order and delivery.
Risk of theft. In some parts of the world, carrying cash up requires precautions to minimize risk of theft.

Tips for picking up money in person

No matter where you are in the world, picking up cash from a transfer agent can be dangerous. Stay on your toes with five easy tips:

Avoid unsafe areas. Find a location that’s safe and convenient.
Call ahead. Confirm an agent’s location and business hours before visiting.
Bring a friend. Carrying money alone can be dangerous. Ask a friend to come along.

Deposit your money immediately. The likelihood of losing your money grows the longer you have it with you, so head straight to the bank after pickup.
Keep your cash hidden. Openly carrying cash could make you a target. Put your money in a purse or wallet before leaving the office.

Frequently asked questions

Thank you for your feedback!

Shirley Liu

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Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.

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Ask an Expert

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10 Responses

CaseySeptember 3, 2016

Is there any age policies?
What age do you have to be, to be able to transfer money overseas?

finder Customer Care

ShirleySeptember 6, 2016Staff

Hi Casey,

Thanks for your question.

You will need to be over 18. If under the age of 18, you’ll need to be accompanied by a parent or guardian if you’re sending it in person. If doing it online, you will need a parent or guardian to do it for you.

Hope this helps.

gabrielleJanuary 21, 2016

How can i use this service cox i need to send money to a friend, what are the details that will be given to pick the money, i need fast respond on this

finder Customer Care

ShirleyJanuary 22, 2016Staff

Hi Gabrielle,

Thanks for your question.

Please click on ‘Go to site’ and follow the prompts to initiate the transfer. You’ll need the details of your recipient bank to complete the process, such as their IBAN or SWIFT number, BSB and account number.

Cheers,
Shirley

rubieSeptember 5, 2015

how can i check the worldremit tracking if its right

finder Customer Care

MarcSeptember 7, 2015Staff

Hi Rubie,
thanks for the question.

To find out the status of your transfer with WorldRemit, please contact them directly. We’ve published their contact details on our review page.

I hope this helps,
Marc.

lovelyJune 17, 2015

hello how can i know if money is to be ready to pick up becouse i dont get meaanged from wordremit?

finder Customer Care

MarcJune 18, 2015Staff

Hi Lovely,
thanks for the question.

If WorldRemit hasn’t sent you an SMS message it’s advised you contact them using the details on their contact us page.

I hope this helps,
Marc.

jacquelineMay 23, 2015

someone send me in worldremit .. but im not sure if its laready available to pick up now
thanks

finder Customer Care

BelindaMay 29, 2015Staff

Hi Jacqueline,

Thanks for your enquiry.

WorldRemit will send you a notification with a transaction number and instructions of how you can collect the funds.

If you have any issues collecting the money, please contact WorldRemit directly.

Thanks,
Belinda

International money transfers with cash pickups

Send money securely in minutes worldwide — without the need for a bank deposit.

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