Sites like Walmart that could be better for money transfers

The best alternative companies to Walmart for sending a money transfer.

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Known for its retailing business, Walmart offers money transfer services to more than 190 countries and territories thanks to its partnership with MoneyGram. Funds can be picked up at any Walmart in the US or Puerto Rico or sent to any one of MoneyGram’s 350,000 agents around the world. You can also send funds to your receiver’s bank account, debit card or SmartMoney or M-PESA mobile wallet, or have the cash delivered to the recipient’s home — available in select countries.


  • Widespread network of agents gets your money where it needs to go.
  • Transfer to more than 190 countries and territories.
  • Efficient transfers in as little as 10 minutes.
  • Wide variety of transfer options, including debit card, credit card or bank account.
  • Home delivery option.
  • Low minimum transfer amount of $1.


  • Rates and fees depend on location.
  • Maximum sending limit of $2,500 per transaction — with a maximum of $6,000 per 30 calendar days.

Walmart is a popular option but might not be the best option out there. Compare alternatives below.

Alternative sites like Walmart

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XE Money Transfer Logo” width=

1. XE Money Transfer

XE Money Transfer is a service designed to help you transfer your funds to a bank in a foreign currency. In fact, unlike Walmart, it doesn’t allow for same-currency transfers at all. If you’re working far from home, XE is ideal for getting money to your family or making investments overseas. Like Walmart, XE allows you to transfer money to over 200 countries. However, the company one-ups Walmart by not charging any money transfer fees and having a no maximum transfer limit. Given how easy it is to transfer your money to foreign companies in their currency, XE is especially ideal for business accounts.


  • Trade in over 120 currencies, allowing for money transfers to over 200 countries.
  • Competitive exchange rates save you money in the long run.
  • Quick turnaround means transfer is complete in 3 to 5 days.
  • No transfer fees.


  • Exchange rate comparison tool not available until after you’ve registered with the site.
  • Bank-to-bank transfers only.
  • No same-currency transfers.
Go to XE Money Transfer website

transferwise logo

2. TransferWise

TransferWise is a money transfer site designed to help you save money on exchanges through a peer-to-peer system. Its unique system allows you to exchange your funds with those of another seeking to convert their money to your currency. It’s basically trading money with another person, but it doesn’t cross borders. Because of its unique platform, TransferWise doesn’t allow for same-currency transfers like Walmart does, nor does it offer a cash pickup option. However, TransferWise has a higher transfer limit than Walmart, allowing individuals to send up to $49,999 a day and $199,999 a year.


  • $3 minimum fee and a maximum fee of 1% of the amount sent for transfers up to $5,000 and 0.7% on any amount over the initial $5,000.
  • High transfer limits. Can send up to $49,999 a day and $199,999 a year.
  • Apps for both iOS and Android.
  • Uses mid-market exchange rate with no hidden fees.


  • Transfers to bank accounts. No cash pickup option.
  • No same-currency transfers.
Go to TransferWise website

WorldRemit Logo

3. World Remit

Like Walmart, WorldRemit provides a variety of transfer options in more than 140 countries worldwide, including online, bank-to-bank and cash transfers. Fees vary by country you’re sending funds to and the global exchange rate at the time of your transfer. WorldRemit is ideal for small businesses, offering transfers from $1 to $5,000 — a lower maximum amount than Walmart’s $6,000 limit.


  • Flexible payment options.
  • Easy three-step transfer process.
  • Transfers to mobile wallet accounts.
  • Cash pickup available.
  • Mobile airtime account transfers.


  • The higher your transfer, the greater the transfer fees.
Go to WorldRemit website

RIA Logo

4. Ria

In business for more than 30 years, Ria is a global monetary transfer network with more than 316,000 agent locations in 144 countries. Similar to Walmart’s large presence, Ria is the third-largest international money transfer provider in the world. Like Walmart, Ria offers a wide variety of payment options and transfer services, including online, cash transfers and bank-to-bank sending, and both companies have rates and fees that depend on the location you’re sending the money to.


  • Wide variety of transfer options, including debit card, credit card or bank account.
  • Worldwide transfer network, with over 316,000 agent locations in more than 144 countries.
  • Online price calculator simplifies money conversion.
  • Great exchange rates that are strong than most US banks.


  • Maximum daily transfer limit of $3,000.
  • Rates and fees depend on amount, location and method.
Go to Ria website

Sharemoney logo

5. Sharemoney

Sharemoney is a part of the Omnex group, a company that’s specialized in money transfers for over 25 years. Like Walmart, Sharemoney’s constantly expanding service range offers door-to-door and cash pickup options on top of the usual transfer techniques, and both companies have a low minimum transfer amount of just $1. The one aspect Walmart trumps Sharemoney on is location. While Walmart operates in every US state and offers money transfer services to more than 190 countries, Sharemoney is only licensed to operate in 36 US states and its services are largely limited to South America and select Asian countries.


  • Low transfer fees.
  • Exchange rate calculator helps you see just how much money you’ll get for your dollar.
  • Door-to-door delivery in as short as 48 hours.
  • Discounts available on Facebook.
  • Low minimum — send as little as $1 overseas.


  • Limited state availability. Only licensed to operate in 36 US states.
  • Not all countries available. Its services are largely limited to South America and select Asian countries.
  • Exact location must be specified for cash pickup.
  • Maximum sending limits. Can send up to $2,999.99 every 24 hours, up to $2,999.99 every 15 days and up to $9,999.99 in a 180-day period.

Go to the Sharemoney website

travelex logo

6. Travelex

Like Walmart, Travelex is an international money transfer service in 177 countries worldwide. Through its simple online process, you can transfer money to someone on the other side of the world within a couple of days. While Walmart allows for cash payments and cash pickups and has a minimum transfer amount of a mere $1, Travelex does not allow for cash transfers at all and has a minimum transfer amount of $500 — which may be higher than some individuals are looking to send.


  • Flat fee of $5 for any transaction under $5,000.
  • No fee for transfers of $5,000 or more.
  • Exchange to more than 45 different currencies.
  • Home delivery available.


  • Exchange rates not always the most competitive.
  • No cash payments or cash pickups allowed.

Go to the Travelex website

moenygram logo

7. MoneyGram

Because Walmart partners with MoneyGram for cash transfers around the world, you’re going to find very similar practices and fees. MoneyGram is the second-largest international money transfer service in the world and allows you to exchange currencies in over 200 countries and territories to more than 350,000 agent locations worldwide. If you’re not confident about transferring money online, an employee can walk you through the process at one of the 40,000 locations here in the States. Unlike Walmart’s money transfer services, MoneyGram allows you to send money using the MoneyGram Sendbot through the Facebook messenger app and lets you deposit money into an inmate’s county, state or federal correctional account.


  • Extensive global network of 350,000 agent locations.
  • Large pool of services available for sending, receiving or financing.
  • Fast transfers, with same-day service in many locations.
  • Home delivery option.
  • Low minimum transfer amount of $1.


  • Maximum online transfer amount of $6,000.
  • Fees vary depending on payment type and transfer destination.
  • Transfers must be made in US dollars from the US (no exchanges before transfer).
  • Local exchange rates vary by transfer destination.
Go to Moneygram website

Western Union sites like

8. Western Union

Like Walmart, Western Union allows you to transfer money to over 190 countries and territories worldwide and offers the convenient cash pickup option, but it’s not the cheapest option out there. Western Union offers weak exchange rates that can be nearly 5% more than the mid-market rate and has higher fees than other companies. Both Western Union and Walmart have a low minimum transfer of $1 and a relatively low maximum transfer of $5,000 and $6,000, respectively.


  • Low minimum transfer of $1.
  • Send money in minutes.
  • Transfer to over 200 countries and territories across the globe.
  • Multiple transfer options including paying with cash or your debit card, credit card or bank account.
  • Trusted provider for over 160 years.


  • Weak exchange rates that can be nearly 5% more than the mid-market rate.
  • Higher fees, whereas other companies offer free transfers or low-fee transfers.

Go to the Western Union website

ofx logo

9. OFX

Like Walmart, OFX offers transfers and exchanges in 55 currencies to over 190 countries. However, while Walmart has a maximum sending limit of $6,000 per transaction, OFX doesn’t have a maximum transfer limit and offers low exchange rates — as low as 0.4% above the mid-market rate — which is ideal if you’re a large business or looking to pay for exports. That being said, Walmart offers more sending options, whereas OFX only allows for bank-to-bank transfers.


  • 24-hour customer support.
  • Available in 195 countries and territories and 55 currencies.
  • Offers scheduled and recurring transfers.
  • Android and iOS apps available for mobile transfer and tracking.
  • No transfer fees.


  • Bank-to-bank transfers only.
  • Verify new accounts by phone.
  • High minimum transfer amount of $1,000 per year
Go to OFX website

torfx logo

10. TorFX

Unlike Walmart, which allows you to send money from the United States, TorFX only allows money transfers from Australia. It’s a stricter money exchange and transfer company than others, and requires that funds be cleared by individuals who hold TorFX accounts — meaning the money must be sent in advance before the transaction can be performed. While TorFX guarantees that it can beat competitor exchange rates for your transactions, a protection that Walmart and few money transfer companies offer, the fact that you can only send money from Australia makes this company limiting for many individuals.


  • Competitive exchange rates with fixed exchange rate protection — often beating banks by more than 3%.
  • No transfer fees.
  • Free registration allows you to get access to free market analysis and expert advice.
  • Low minimum transfer amount of $150.


  • Can only send from Australia.
  • Bank-to-bank transfers are your only option.
  • Users report technical and administrative problems that delay transfers.
Go to TorFX website

currencies direct logo money transfers

11. Currencies Direct

Unlike Walmart, which has transfer fees dependent on the location you’re sending money to, Currencies Direct is a fee-free international money transfer service, or at least 90% of the time they are. With a low minimum transfer of $100, you can make payments in 60 currencies, but they only allow for bank-to-bank wire transfers. If you’re looking to send/receive cash or an amount less than $100, then you’re better off sticking with Walmart or another money transfer company that offers that option.


  • No fees for 90% of its transactions.
  • Supports 60 market currencies.
  • Competitive exchange rates.
  • Low minimum transfer of $100.
  • Supports large transactions at a seemingly unlimited max.
  • Monitors exchange rates for your ideal transfer.


  • No cash pickup option. Bank-to-bank wire transfers only.
Go to Currencies Direct website

Xoom Logo

12. Xoom

While Walmart allows transfers to over 190 countries and territories around the world, Xoom only offers transfers to 57 countries — so make sure you take a look at its list before beginning the transfer process. Both Walmart and Xoom have low minimum transfer amounts of $1 and $10, respectively, although Xoom has a higher maximum limit of $10,000 — compared to Walmart’s $6,000 limit. Xoom also offers a unique money-back guarantee if your transfer doesn’t arrive on time — a perk few money transfer companies have.


  • Low minimum transfer amount of $10.
  • Money-back guarantee if your transfer doesn’t arrive on time.
  • Allows cash pickup and home delivery, depending on where you’re sending your funds to.


  • Transfer fees vary depending on where you’re sending money to, the amount of money you’re sending, and the method you choose.

Go to the Xoom website

Currency Online Logo

13. Currency Online

Unlike Walmart, which offers money transfers to residents of the US, Japan and Quebec, Canada — among others — Currency Online does not. This money transfer company does, however, exchange more than 25 different currencies with low minimum transfer amounts of $50 and no maximum amounts. Currency Online is also limited in that it only allows for money transfers from your bank account, as opposed to Walmart which offers the option to pay for the transfer with cash or a debit card or credit card.


  • Exchanges more than 25 different currencies.
  • Multiple services like spot contracts and market orders.
  • Quick turnaround in 1 to 4 days.
  • Low minimum transfer of $50.
  • No maximum transfer amount.


  • No cash pickup. Bank-to-bank transfers only.
  • Not available in the US, Japan or Quebec, Canada.
  • Threshold fee charged for some amounts.

Go to the Currency Online website

Paypal Logo

14. Paypal

You likely know PalPal’s digital service for online purchases, but you may not know that it supports wireless overseas transfers. Its popularity around the world makes it possible to transfer up to 20 currencies across more than 200 countries. Like Walmart, PayPal has a low minimum amount of $1 and a relatively low maximum amount of $10,000, however it does not offer a cash pickup option.


  • Send money inside the US for free.
  • Available in 203 countries.
  • Offers recurring payments.
  • Low minimum amount of $1.
  • Multiple digital safeguards in place to protect against fraud and hacking.


  • Fees are proportionate to the amount transferred. The larger the transfer, the more money they take.
  • Fees vary by location of transfer and method, with better deals for using a PayPal credit card or account.
  • No cash pickup option available.

Go to the Paypal website

Looking for cash pickup alternatives?

The following services offer bank account transfers or cash pickup:

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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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