We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Find a money transfer location
Discover agent locations and why sending online may be a better option.
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. Whether you want to use a money transfer agent location to pay in cash, ask an agent questions or send money for cash pickup, comparing your options is a good way to find a deal.
When possible, stick to online transfers to save yourself extra money and time.
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's in this guide?
How to find a money transfer location near you
To find a money transfer location near you:
- Compare your options. Find a provider that offers an agent locations using our table below.
- Visit the provider online. Go to your provider’s website for extra details.
- Find your nearest location. Look for the “Find a location” page (it’s often a link from the homepage).
- Confirm hours of operation. Enter your ZIP code or address information to find the hours of the location nearest you.
- Visit in person. Go to the office and initiate your money transfer.
Do any companies 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. Check online or call ahead to confirm the hours before visiting.
What do I need to complete a money transfer in person?
The information you’ll need for a money transfer depends on how you’re transferring the money.
In general, you’ll need:
- Photo ID. Such as a driver’s license, a passport or a government-issued identification card.
- Recipient information. Name and contact information of the person receiving the money.
- Amount. Determine the amount you want to send ahead of time.
- Payment method. Most agent locations accept credit and debit cards, but may also accept cash, checks and bank transfers too.
To send money to a bank account, you’ll also need:
- Recipients bank information. The receiving bank’s name, address and SWIFT code are needed, in addition to your recipient’s account and routing numbers. Use our guide on SWIFT and IBAN bank codes if you are having trouble locating this information.
Compare money transfer services with agent locations
Save money by sending 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 over 200 countries worldwide.
If the friends or family you’re sending money to have a bank account or prefer to pick up their money in cash, compare any of the services in our comparison table above to quickly and cheaply complete your transfer.
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.
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.
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, a company like OFX is a good option because it 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 or more to complete a transfer, money transfer services promise faster transfer times, sometimes within minutes.
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. Call to confirm an agent’s location and hours.
- Be aware. Avoid agents in high-crime or unsafe areas.
- Bring a friend. Ask a friend to come along for the pickup.
- Hide it. Keep your cash hidden and avoid carrying it around longer than necessary.
- Secure it. Deposit your funds into an account as soon as you can, if possible.
Today you have many options to send money around the world. Many of the world’s largest money transfer providers have locations in small towns, but if you are in a place with no agent locations then online transfers may be your only option.
Keep our tips on choosing a service in mind while shopping around and be sure to use our comprehensive guide on money transfers to answer any further questions you may have on the topic.
Frequently asked questions
Ask an Expert