Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
How to send money to someone without a bank account
Find out what your options are when you send and receive money without a bank account in Ireland.
While digital banking is growing in Ireland, there are still many that don’t have any bank account at all. But don’t worry, there are still options. Here’s how to send money to someone without a bank account.
Can I transfer money to someone without a bank account?
Yes! In the past decade, we have made huge strides in digital banking and financial technology. According to Finder, a quarter of adults in Ireland now have a digital bank account. While it might not have been possible to transfer money to someone without a bank account in the past, it is definitely possible today.
What are the best options to send money without a bank account?
There are plenty of ways to send money to someone without a bank account, each with different levels of speed, security and convenience. Here are some of the best options:
Use an online money transfer service
Sending money through a money transfer service is an option for both sending without a bank account and sending money to someone without a bank account. Several money transfer services give you the option of paying in cash and having cash delivered to your receiver.
Your recipient could receive the funds the same day if they’re delivered via cash pickup or delivery. This option can come with high fees, so be sure to compare money transfer services that offer cash pickup.
Compare money transfer services
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Transfer to a cash pickup location
You can transfer money to a cash pickup location in most countries, typically through a third-party money transfer service. The process is similar to that of most transfers, at least on your end. Once the funds have arrived in the third-party service’s bank accounts, they will be directed to one of their partner’s cash pickup locations where your recipient can head over to and collect their funds.
Send via mobile wallet
Mobile wallets, often called e-wallets, aren’t as complicated as they may first sound. There are plenty of popular apps like Google Pay, Apple Pay and similar services. Mobile wallets can often be created without a bank account, and some of them even allow you to access your funds through a debit card that connects directly to your account balance. Keep the following in mind with mobile wallets:
- Both the sender and receiver must have the same mobile wallet for the transaction to be free.
- Although mobile wallets are often free to use, fees may apply when using additional features like expedited transfers or paying by credit card.
Use a money order
Money orders may seem like a thing of the past, but they certainly still have a use in the digital age.
When using a money order, keep in mind that:
- They are one of the slowest ways to send money without a bank account.
- They require ID to send and receive.
- They are often more expensive than using a money transfer service.
Use credit cards
Some money transfer services allow you to pay by credit card, which is convenient if you don’t have a bank account to fund the transfer. Paying by credit card will almost always be more expensive when sending money, but you can often save money by shopping around. For added convenience, a handful of money transfer services will allow you to pay by credit card and have the money available for cash pickup within minutes.
Use prepaid debit cards
Money transfer services that allow you to pay by credit card will also usually accept prepaid debit cards. Unlike credit cards, prepaid debit cards are pre-loaded with cash so before you make the transfer, ensure you have sufficient funds in your card. As is the case with paying by credit card, using a debit card will also usually be more expensive due to transaction fees charged by your debit card provider.
However, unlike using a credit card, using a prepaid debit card can also be much safer, especially if you are keying in your card details into an unknown third-party service’s website. Should your transaction be intercepted or your card details be stolen, only the pre-loaded funds will be at risk.
Post the cash directly
Withdrawing cash from your bank account to send through the post is the least recommended method, but it is still an option. If you choose to send cash, be sure to:
- Send the cash in an envelope that hides the cash. Test this by holding the envelope with cash inside in front of bright light.
- Insure your package for the amount of cash you’re sending.
- Purchase tracking on your package so you’ll know when it arrives.
Even with these safety nets in place, we still don’t recommend that you physically send cash through the post. Consider using a money order or a money transfer service instead.
How to choose the best transfer method?
Deciding which method of how to send money to someone without a bank account can be tricky. To pick the transfer method that’s best for you and your recipient, consider the following:
- How urgently the funds are required.
Money orders and prepaid debit cards will likely take significantly longer to reach your recipient than a mobile wallet transfer.
Personal mobile wallet transfers that don’t use a credit card typically come without fees. However, it might be more difficult to access the funds than if you use a cash transfer. Money orders and prepaid debit cards usually have a low cost, and using a credit card will generally be the most expensive option.
Depending on where your recipient lives and what they’re using the funds for, certain options may be favourable. Someone looking to shop online, for example, may find a PayPal transfer more convenient than cash pickup.
- Security of the transfer.
Data encryption helps protect your and your recipient’s information. Posting a money order or prepaid debit card comes with the risk of them getting lost in transit.
Sending money with an online money transfer service
Making a transfer through any online money transfer service is usually a simple process. Here’s how it goes:
Step 1. Create an account. You’ll need to provide details like your name, contact details and country of residence as well as documents to verify your identity.
Step 2. Find the transfer page. Look for a button on the main page directing you to send money. Click on it and you’ll land on the money transfer page.
Step 3. Finalise transfer details. You’ll need to input where you’re sending money to, in what currency and how the recipient will receive the funds.
Step 4. Add in the recipient’s details. This includes the recipient’s name, address, bank details and the reason for the payment.
Step 5. Confirm your payment method. For transfers from the UK, you can use a credit/debit card, a bank transfer or Internet banking.
Once you confirm the transfer, the money transfer service will take it from there. You can also track the transfer through email or in-app updates.
Frequently asked questions
How can I receive money without a bank account?
How much does it cost to send money without a bank account?
Can I send money to a mobile wallet using a transfer service?
Do mobile wallets have to be linked to an account?
More guides on Finder
IG review: Trade forex and CFDs with a global broker
IG trading offers tight spreads from 0.6 pips, fast order execution and access to more than 70 currency pairs.
How to find a money transfer location near me
Want to send cash to friends or family? Find an international money transfer service in your area. Otherwise, same some money and go online.
Compare instant money transfer services
Are you looking for a way to instantly transfer funds to friends and family overseas? Use our guide to find out how.
How to transfer money online with your credit or debit card
Get tips on how to send money with your credit card to transfer funds overseas. Be aware of interest charges and cash advance fees.
Global payroll guide
How to navigate the waters of global payroll management.
How to invest money
Learn the basics of what it takes for novices to get started in the investment world, including an overview of your options and what to watch out for.
AvaTrade review: Forex, and CFD broker
Read our AvaTrade review to find out if its right for your trading needs and the simple steps you can take to sign up for an account.
Virtual cards in Ireland
Find out what virtual cards are, how do they work and what benefits they offer.
Best bank account for teens in Ireland
Find out about bank accounts for teenagers, how to choose the right one and how they differ from kids’ prepaid cards.
Binaryx crypto exchange review
Binaryx offers an intuitive interface for investors to trade a range of crypto and fiat assets.
Ask an Expert