Money transfer locations near me

Learn how to find a provider close to you to send cash overseas, quickly and easily.

Updated

There are many reasons you might need to send money overseas. You may have parents in China that you’d like to send help to, or a loved one travelling in Sweden in need of some quick assistance.

Whatever your reasons, if you need the reliability of working with a brick-and-mortar location, you can send a money transfer quickly by finding one near you.

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.

Some PostShops, convenience stores and even some service stations 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 where you can pay in cash

Data indicated here is updated regularly
Name Product Min. Transfer Amount Transfer Speed Services Description Online Transfer Fee Rate Amount Received
MoneyGram International Money Transfers
MoneyGram International Money Transfers
NZD 250
1 day
Online, Agent, Bank Account to Bank Account, Cash Transfer
Easily transfer cash to more than 350,000 locations around the world.
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The ‘Rate’ and ‘Amount Received’ displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

Compare up to 4 providers

How 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 postcode or address to find the location nearest you.
  5. Visit the office and start 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 many areas. 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 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 licence.
  • Name and contact information of the person receiving the money.
  • Amount of money you’re sending.

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.

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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 pick-up. While the two best-known providers for collecting cash are Western Union and MoneyGram, WorldRemit is an online provider that also lets you send money overseas for collection at local agent locations.

Online providers are ideal if it’s important for your friends or family to get your transfer quickly. Whereas banks can take one to three business days to complete a transfer, most money transfer services promise nearly immediate transfer times. This is often within minutes if you pay by credit or debit card.

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 pick-up at agent locations in 200 countries worldwide.

There is also a range of other money transfer providers out there, but many can only transfer directly to a bank account. If this is an option for you, check out some of the providers in the table below.

Data indicated here is updated regularly
Name Product Min. Transfer Amount Transfer Speed Services Description Online Transfer Fee Rate Amount Received
SendFX International Money Transfers
NZD 250
1 day
Online, Bank Account to Bank Account
SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.
XE Money Transfers
NZD 0
1 day
Online, Phone, Bank Account to Bank Account
Send money in more than 60 currencies. Fee-free international money transfers with a global brand.
WorldFirst International Money Transfers
NZD 2,000
2 days
Online, Phone, Agent
Exclusive offer: $0 transfer fee and discounted exchange rates for all Finder customers.
A higher exchange rate applies to non-finder customers. Send money in more than 60 currencies.
TorFX International Money Transfers
NZD 250
1 day
Online, Phone, Agent
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply.
WorldRemit International Money Transfers
NZD 1
Within an hour
Online, Bank Account to Bank Account, Cash Transfer
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
OFX (Ozforex) International Money Transfers
AUD 250
1 - 2 days
Online, Phone, Agent
A higher exchange rate applies to non-finder customers. Send money in 45 currencies. No fee if you transfer over AUD$10,000.
TransferWise International Money Transfers
NZD 1
1 - 2 days
Online
Make online transfers with transparent exchange rates, low fees and low minimum amounts.
CurrencyFair International Money Transfers
NZD 5
1 - 2 days
Online
Special offer: Zero fees on your first 10 transfers.

Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
CurrencyTransfer International Money Transfers
CurrencyTransfer International Money Transfers
NZD 10,000
1 - 2 days
Online, Phone, Bank Account to Bank Account, International Money Order
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The ‘Rate’ and ‘Amount Received’ displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

Compare up to 4 providers

Comparing money transfer services

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

  • Transfer fees. Your bank might charge $22 to transfer $1,000 from Auckland to London, while a money transfer service could charge $10 for the same transaction.
  • Exchange rates. Exchange rates vary daily, so check the rate immediately before starting your transfer. Some services add a little to the exchange rate to cover their own fees, while others are closer to the mid-market rate.
  • Transfer limits. Some providers are better for smaller transfers, as they’ll have a lower minimum limit. Others may only let you transfer above $1,000, for example.
  • Timing. Specialised money transfer providers are generally a lot quicker than your bank.

What's 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 NZD = 0.58 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 NZD = 0.55 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 pick-up.
  • 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 money transfer scams. The most common scams involve someone messaging you, saying you’ve won a price or the lottery. They claim you need to transfer a person, company or organisation the money to cover taxes or transfer fees for the prize. Once you’ve transferred money to these scammers, it’s almost impossible to get your money back.

As a general rule, remember that if it sounds too good to be true, it probably is.

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.

You’ll also want to keep an eye out for fees. Bank fees tend to be higher and their exchange rates not as good. On the other hand, transfer services generally offer better rates, lower fees and faster transfers.

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