Money transfer locations near me

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


There are many reasons you might need to send money overseas. You may have ageing parents in the US 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.

Post offices, convenience stores and even some service stations have an exclusive area dedicated to providing money transfers using MoneyGram, Ria or Western Union. Typically fees are lower than bank charges and these providers are reliable.

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.

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.


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. Another option is Ria, which has locations you can pay in cash at as well as cash pickup at the receiver’s location.

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 some trouble by starting your cash transfer online with Western Union, MoneyGram and WorldRemit. Western Union and MoneyGram will allow you to initiate a transfer online, but you still have to visit an agent location to pay for your transaction. 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.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
PHP 1 1 - 2 days PHP 0.00 0.02 USD
WorldRemit Philippines lets you use your debit, credit or pre-paid card to send instant mobile airtime 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.

Comparing money transfer services

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

  • Transfer fees. Your bank might charge US$22 to transfer US$1,000 from Manila to London, while a money transfer service could charge US$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 US$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 AUD = 0.62 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 AUD = 0.58 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 pesos are lost each year to money transfer scams. The most common scams involve someone messaging you, saying you’ve won a prize 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.

What money transfer scams to watch out for

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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