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Alternatives to Walmart for money transfers

Here are the best money transfer providers like Walmart2Walmart or Walmart2World.

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Walmart operates two types of transfers: Walmart2Walmart, which is powered by Ria, and Walmart2World, which is powered by MoneyGram. Both of these services allow you to send money, though both of them could benefit from lower fees, more competitive exchange rates and higher maximum limit caps.

Use this list of alternatives to Walmart to discover how other companies can provide more trading tools and better rates.

XE Money Transfer Logo

  1. XE Money Transfer

XE focuses on global currency transfers to bank accounts, so it lacks things like cash pickup and same-currency transfers. Like Walmart, XE allows you to transfer to many countries, but it one-ups Walmart by not charging any money transfer fees and imposing no maximum transfer limit.

Why pick XE Money Transfer instead?

  • No transfer fees
  • Max transfer is per transaction
  • Support for over 55 currencies


  • Bank-to-bank transfers only
  • Transfers can take up to five days
WorldRemit logo

  1. WorldRemit

WorldRemit matches Walmart by providing transfer options to more than 140 countries through online, bank-to-bank and cash transfers. They both have low maximum transfer limits, but WorldRemit’s flat low fees and competitive rates make it a viable alternative.

Why pick WorldRemit instead?

  • Easy three-step transfer process
  • Transfer to mobile wallet accounts
  • Mobile airtime account transfers supported
  • Transparent fees and exchange rates


  • Relatively small daily maximum transfer amount of $9,000
  • Government-issued ID required
  • Mobile airtime, cash pickups and door-to-door transfer not available in every country
Western Union

  1. Western Union

Western Union has been in the money transfer business since 1871 and has over 500,000 agent locations worldwide, making it a serious competitor for cash pickup and in-person transfers. However, like Walmart, it suffers from weak exchange rates and fees that are often bested by smaller companies.

Why pick Western Union instead?

  • Trusted money transfer provider for 145+ years
  • Low minimum transfer of $1
  • 500,000+ locations


  • Weak exchange rates that can be almost 5% higher than the mid-market rate
  • Higher fees compared to other companies on this list
OFX Logo

  1. OFX

OFX does not have any maximum transfer limits, which makes it a good option when you need to send more than Walmart’s $2,500 limit. OFX also charges no fees and offers competitive exchange rates. However, a high minimum yearly transfer requirement may deter some senders from using OFX.

Why pick OFX instead?

  • No maximum transfer limit
  • Can set up scheduled and recurring transfers
  • No transfer fees
  • Hedging options such as forward contracts and limit orders


  • Can only send to a bank account
  • Must verify new accounts by phone
  • High minimum transfer amount of $1,000
  • Doesn’t use the mid-market rate
  • Only accepts bank transfers as payment

  1. Xoom

Xoom has a smaller reach than Walmart, so make sure your destination is on the list before starting a transfer. Both companies offer low minimum transfer amounts, but Xoom has a higher maximum transfer limit. Xoom stands out with its money-back guarantee if your transfer doesn’t arrive on time — a rare perk in the money transfer industry.

Why pick Xoom instead?

  • Money-back guarantee if your transfer is late
  • Integrates with your PayPal account


  • Smaller network
  • Low maximum sending limit
  • Transfer fees vary depending on sending method, amount and destination

Still looking for other options?

Use the table below to find even more alternatives to Walmart money transfers. You can input how much you want to send, and to where, and you’ll be able to see details of the most popular transfer companies. Alternatively, learn more about Walmart Money Transfers in our review.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 1,000 1 - 2 days USD 0.00 0.825 EUR 8,247 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.
Go to site Show details
$1 Same day USD 0.00 0.825 EUR 8,246 XE offers fast transfers with no fees and a range of foreign currency tools. Go to site Show details
$10 Within an hour USD 1.99 0.811 EUR 8,113 Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
$1 1 - 2 days USD 80.00 0.828 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. 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.

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2 Responses

  1. Default Gravatar
    RachelleOctober 16, 2018

    I had money sent about two months ago Wal-Mart to Wal-Mart I never went and picked it up would it still be there? I don’t have a number to pick it up.

    • Default Gravatar
      joelmarceloOctober 16, 2018

      Hi Rachelle,

      Thanks for leaving a question on finder.

      The transfer will still be there but it wouldn’t hurt to clarify it with Walmart first. Please note that depending upon the state of purchase, if you do not use or cash the money order within one to three years of the purchase date, a non-refundable service charge will be deducted from the principal amount. The service charge conditions are described on the back of the money order.

      Ask your sender for the reference number for the transaction. This number is on the receipt and included in confirmation emails for online transfer and bring a valid ID when claiming the money. It is also a good idea to give Walmart Money Transfer a call at 1-800-689-8307 to get a more direct answer.

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


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