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Find a money transfer location

Discover brick-and-mortar stores and why sending online may be a better option.


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  • Low upfront fees and exchange rates
  • Easy to use with round-the-clock help
  • Get cash to family and friends in minutes.
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COVID-19 update

Your nearest branch may not be open, so call ahead for its hours of operation. However, opting to send money online or with a money transfer app might be safer and easier than heading to a physical location.

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. However, visiting a location in person may cost you more in fees — so consider if an online provider might be a better option for you.

How to find a money transfer location near you

Search online to find a provider with agent locations:

  1. Compare your options. Find a provider that offers agent locations using our table below.
  2. Visit the provider. Go to your provider’s website for extra details.
  3. Find your nearest location. Look for the Find a location page — it’s often a link from the homepage.
  4. Confirm hours of operation. Enter your ZIP code or address to find the hours of operation for the location nearest you.
  5. Visit in person. Go to the office and initiate your money transfer. Be sure to bring identification and enough money to cover fees.

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 some smaller) cities.

Check online or call ahead to confirm the hours before visiting, especially when going in the middle of the night.

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 what a bank charges.

Location guides for popular brands

Looking for the address of your preferred transfer service? For your convenience, we’ve compiled lists of top money transfer services and their brick-and-mortar locations worldwide.

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

The information you’ll need for a money transfer will depend on how you’re transferring the money. In general, you’ll need:

  • Photo ID. A driver’s license, a passport or any other official government issued ID should work. If you’re concerned about your type of ID, call ahead to make sure it will suffice.
  • Recipient information. The name and contact information of the person receiving the money. The name provided must exactly match their ID.
  • Amount. Determine the amount you want to send ahead of time, keeping in mind that fees will be added on top of your sending amount.
  • Payment method. Most agent locations accept credit and debit cards, but may also accept cash, checks and bank transfers.

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. Learn more about SWIFT and IBAN bank codes if you’re having trouble locating this information.

Compare money transfer services with agent locations

While transferring your money online can be convenient for some, others may prefer the customer service and experience provided at a physical location. Use our comparison table below to find which major money transfer providers have agent locations you can visit in person.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$1 Within an hour USD 3.99 0.837 EUR 4,180 WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups. Go to site Show details
$1 3 - 5 days USD 20.00 0.819 EUR 4,080 Western Union sends money online to friends and family in 200+ countries around the world. Show details
$1 Within an hour USD 8.00 0.821 EUR 4,100 MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide. Show details

Compare up to 4 providers

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

Save money by sending your transfer online

There are plenty of reasons transferring your money using an online provider can cost you less than visiting a physical location.

  • Fewer fees. Agent locations typically add on extra fees, which helps them keep their doors open. Online services often provide the same services without the additional cost.
  • Zero transit costs. When you transfer money right from your mobile or desktop, you’re not using gas money, bus fares or subway tokens to travel to the agent location.
  • Wider range of providers. In person, you’re limited to the rates and fees of brick-and-mortar locations. But shopping around online often yields a better deal on your transfer.
  • Easier comparison. Compare any of the services in our comparison table to quickly and cheaply complete your transfer.

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, 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 one to three 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, 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 could be a strong 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 one to three 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:

  • Call 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.

Alternatives to sending cash

Sending cash is ideal for those without bank accounts or in an emergency situation, but it’s often the more expensive option. If possible, consider sending to your receiver’s mobile or bank account since it’ll end up being a better deal for you. Below you can get an idea of what transfers with services like these look like.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$1,000 1 day USD 0.00 0.832 EUR 4,159 OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies. Go to site Show details
GBP 1,000 1 - 2 days USD 0.00 0.832 EUR 4,159 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Go to site Show details
USD 1 Same day USD 0.00 0.836 EUR 4,182 XE has fast transfers with no fees and a range of foreign currency tools. Go to site Show details
$10 Within an hour USD 1.99 0.823 EUR 4,116 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 Show details
$1 1 - 2 days USD 40.00 0.84 EUR
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. Go to site Show details
$1 Within an hour USD 3.99 0.837 EUR 4,180 WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups. 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.

Bottom line

Many of the world’s largest money transfer providers have locations in towns both small and big. But if you’re in a place with no agent locations, online transfers may be your only option. Shop around and learn more about money transfers to make confident decisions.

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12 Responses

    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!


    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, 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. :)


    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.


    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!


    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. 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.


    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.


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