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Find a money transfer location

Secure ways to send cash overseas in minutes.

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Money transfer companies allow you to send funds to another country and have your recipient pick it up in cash — but not all providers will offer a fair exchange rate.
WorldRemit International Money Transfers

WorldRemit International Money Transfers

Send money to 110+ countries for bank deposit, instant e-wallet, mobile top-up or cash pickup at 30,000+ agent locations worldwide.

Your first transfer is free with the code FINDER.

  • Low upfront fees and exchange rates.
  • Easy to use with round-the-clock help.
  • Get cash to family and friends in minutes.

    What places offer in-person money transfers?

    Your first thought for a money transfer may be your local bank. This is a reliable option, but you’re likely to pay more fees and receive a weaker exchange rate than a money transfer service.

    Many nationwide chain retailers and grocery stores have an exclusive area dedicated to providing money transfers using MoneyGram or Western Union. Typically fees are lower than bank charges, and these providers are reliable.

    Compare money transfer services with cash pick up

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    USD 1 Within an hour USD 0.00 0.875 EUR 4,376 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
    USD 1 3 - 5 days USD 20.00 0.868 EUR 4,325 The biggest name in money transfers can get your funds to friends, family, or businesses in almost every corner of the globe. Show details
    USD 1 1 day USD 8.00 0.871 EUR 4,346 Easily transfer cash to more than 350,000 locations around the world. Go to site Show details

    Compare up to 4 providers

    How to find a money transfer location near you

    To find a money transfer location near you:

    1. Compare your options to find a provider that offers an agent location.
    2. Go to your provider’s website.
    3. Look for the “Find a location” page (it’s often a link from the homepage).
    4. Enter your ZIP code or address information to find the location nearest you.
    5. Visit the office and initiate your money transfer.

    Does anyone offer 24-hour locations for transfers?

    Large money transfer networks like MoneyGram and Western Union offer 24-hour agent locations in most major (and even smaller) cities. Go to the provider’s website and search for locations near your address. In your results page, you can view the hours of each location to find out whether there’s a 24-hour location near you.

    What do I need to complete a money transfer in person?

    The information you’ll need for a money transfer depends on whether you’re transferring money directly to another person or from your bank account to another account.

    For both methods, you’ll need:

    • Photo ID, such as a driver’s license.
    • Name and contact information of the person receiving the money.
    • Amount of money you’re sending.
    • Your credit or debit card to pay for the transaction.

    To send money to a bank account, you’ll also need:

    • The receiving bank’s name, address and SWIFT code.
    • Your recipient’s account and routing numbers.

    How to decide what service to use

    If the people you’re sending money to aren’t able to easily receive it to a bank account, you’ll want to find a provider that offers cash pickup. While the two best-known providers for collecting cash are Western Union and MoneyGram, WorldRemit is a digital provider that allows you to send money overseas for collection at local agent locations.

    WorldRemit and other digital transfer services are ideal if it’s important for your friends or family get your transfer quickly. Whereas banks can take 1 to 3 days to complete a transfer, most money transfer services promise nearly immediate transfer times, often within minutes if you pay by credit or debit card.

    Comparing money transfer services

    Before choosing a service, you’ll want to compare:

    • Transfer fees. Your bank might charge $50 to transfer $1,000 from New York to London, while a money transfer service could charge $22 for the same transaction.
    • Exchange rates. Exchange rates vary daily, so check the rate immediately before initiating your transfer. Some services add a little to the exchange rate, “padding the rate” to increase their profits, while others are closer to the mid-market rate.
    • Maximum transfer amounts. If you’re sending more than $10,000, your best bet is an exchange company like OFX, which is convenient and charges more reasonable rates than your local bank.
    • Payment options. If using a bank, fund the transaction using ACH. Short for Automated Clearing House, it moves money between bank accounts more quickly. Money transfer services each have their own requirements but generally accept debit or credit cards in addition to cash.
    • Transfer times. While banks take from 1 to 3 days to complete a transfer, money transfer services promise faster transfer times. Sometimes within minutes, with a debit or credit card.

    What is the mid-market rate?

    The mid-market rate is what your money’s actually worth compared to another currency. “Mid-market” refers to the midpoint between worldwide supply and demand for that currency. Use this rate as a baseline to compare against the rates provided by your bank or transfer service. With it, you’ll discover which companies offer the best rates.

    For example, the mid-market rate for dollars to euros could be 1 USD = 0.95 EUR.

    Charging above the mid-market rate means a company will convert your money for less than it’s really worth — reducing the exchange rate to 1 USD = 0.90 EUR, for example

    Tips for keeping your cash safe

    Wherever you are in the world, keep in mind a few safety tips when picking up a transfer:

    • Phone ahead to confirm an agent’s location and hours.
    • Avoid agents in high-crime or unsafe areas.
    • Ask a friend to come along for the pickup.
    • Keep your cash hidden and avoid carrying it around longer than necessary.
    • Deposit your funds into an account as soon as you can.

    How can I avoid a money transfer scam?

    Thousands of dollars are lost each year to wire transfer scams. The most common scams involve you receiving notification that you’ve won a prize or the lottery. They claim that you need to wire a person, company or organization the money to cover taxes or transfer fees for the prize. Of course, once you’ve wired money to these scammers, it’s impossible to get your money back.

    Also be wary of people selling goods overseas. First make sure that you’re doing business with a reputable company. Look online to see whether anybody else has filed complaints against them. Remember: If it sounds too good to be true, it probably is.

    You can save if you can send your transfer online

    If you have access to the Internet, you can save yourself a visit by starting your cash transfer online with Western Union, MoneyGram and WorldRemit. Each offers cash pickup at agent locations in 200 countries worldwide.

    If the friends or family you’re sending money to have a bank account, compare any of the services in our comparison table to quickly and cheaply complete your transfer.

    Bottom line

    Today you have many options to send money around the world. Compare exchange rates and processing times to get the best deal for your dollar. A stronger exchange rate results in more money for your recipient.

    You’ll also want to keep an eye out for fees. Bank fees tend to be higher — this on top of weaker exchange rates. On the other hand, transfer services typically offer better rates, lower fees and faster transfers.

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    Questions readers have asked us about sending and receiving cash

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    US International Money Transfer Offers

    Important Information*
    Logo for XE Money Transfer
    XE Money Transfer

    Offering no maximum and no minimum limit transfers with $0 fees.

    Logo for WorldRemit International Money Transfers
    WorldRemit International Money Transfers

    Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

    Logo for TransferWise
    TransferWise

    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

    Logo for CurrencyTransfer
    CurrencyTransfer

    Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
    For larger transfers, get no transaction fees and no maximum send limits.

    US International Money Transfer Offers

    Important Information*
    Logo for XE Money Transfer
    XE Money Transfer

    Offering no maximum and no minimum limit transfers with $0 fees.

    Logo for WorldRemit International Money Transfers
    WorldRemit International Money Transfers

    Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

    Logo for TransferWise
    TransferWise

    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

    Logo for CurrencyTransfer
    CurrencyTransfer

    Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
    For larger transfers, get no transaction fees and no maximum send limits.

    Ask an Expert

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    12 Responses

    1. Default Gravatar
      MichelleMarch 7, 2019

      I’m looking to transfer 8K in cash to Ghana. I would like to do this in person. Where is the best place to go? I live in Northern Illinois.

      • Avatarfinder Customer Care
        johnbasanesMarch 8, 2019Staff

        Hi Michelle,

        Thank you for reaching out to Finder.

        You may need to visit any of the money transfer company website featured on our page for you to see if there are locations near you that you may be able to reach out to in sending your funds to Ghana. Please see steps below:

        Compare your options to find a provider that offers an agent location.
        Go to your provider’s website.
        Look for the “Find a location” page (it’s often a link from the homepage).
        Enter your ZIP code or address information to find the location nearest you.
        Visit the office and initiate your money transfer.

        Hope this helps!

        Cheers,
        Reggie

    2. Default Gravatar
      LindaOctober 16, 2018

      Where is the closest world remit to me?

      • Default Gravatar
        joelmarceloOctober 16, 2018

        Hi Linda,

        Thanks for leaving a question on finder.

        To see where the pick up locations are in a specific country, simply select that country in the blue box on this page, then and scroll down to cash pickup. That’s it. You will be able to see pickup locations specific to the country you chose.

        Please send me a message if you need anything else. :)

        Cheers,
        Joel

    3. Default Gravatar
      CarrlSeptember 13, 2018

      I would like to find a location near me I am from Houston Texas 77021 can you help me

      • Default Gravatar
        joelmarceloSeptember 13, 2018

        Hi Carrl,

        Thanks for leaving a question on finder.

        Here are the steps to find transfer locations near you:

        1. Compare your options to find a provider that offers an agent location.
        2. Go to your provider’s website. (Western union’s website, Moneygram etc)
        3. Look for the “Find a location” page (it’s often in the middle of your screen and you won’t miss it).
        4. Enter your ZIP code or address information to find the location nearest you.
        5. Visit the office and initiate your money transfer.

        Cheers,
        Joel

    4. Default Gravatar
      StevenAugust 21, 2018

      I need to send money but only have cash? Is there a world remit store in Bentonville,Ar

      • Avatarfinder Customer Care
        johnbasanesAugust 21, 2018Staff

        Hi Steven,

        WorldRemit currently accepts bank transfers and credit/debit cards as modes of payment for the transfer. One option available is to purchase a prepaid debit card where you could load the amount you need to send via WorldRemit. Hope this helps!

        Cheers,
        Reggie

    5. Default Gravatar
      JosephJuly 3, 2018

      Can I send money to Nigeria using walmart2walmart transfer?

      • Avatarfinder Customer Care
        JhezJuly 4, 2018Staff

        Hello Joseph,

        Thank you for your comment.

        If you’re referring to the Walmart international money transfers, yes you can send money overseas including Nigeria. Kindly refer to this page for the steps. Walmart partners with MoneyGram, so your recipient can pick this up to any Moneygram locations in Nigeria.

        Alternatively, you may also compare other ways to send money to Nigeria here.

        Regards,
        Jhezelyn

    6. Default Gravatar
      AnonymousApril 27, 2018

      Where can I find the nearest worldremit office that accepts cash for money transfers to Ghana

      • Avatarfinder Customer Care
        JhezApril 27, 2018Staff

        Hello there,

        Thank you for your comment.

        When you send money to Ghana via Worldremit, you can just pick it up from your preferred bank.

        Regards,
        Jhezelyn

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