Send money at Walmart with MoneyGram: review + is it safe? |

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Walmart2World money transfer review

Send money from home or on the go at thousands of Walmart locations nationwide.

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Walmart2World offers cash pickup at any Walmart store in the US or Puerto Rico, or at any one of more than 350,000 MoneyGram agents around the world — but unfavorable exchange rates can make large transfers expensive.

Pros and cons of using Walmart

  • Agent network. You can pick up your cash at any Walmart store in the US or Puerto Rico, not to mention the more than 350,000 MoneyGram locations around the world.
  • 190 countries. Send your money to more than 190 countries around the world.
  • Fast transfers. Your cash can arrive at its destination in as little as 10 minutes.
  • Unfavorable exchange rates. The exchange rates are set by MoneyGram and are often above the mid-market rate.
  • Cash only at agent locations. You’ll have to be ready with cash if you go to a Walmart store or MoneyGram location to send money. Be sure to bring enough to cover the transfer fees, too.
  • Maximum transfer amount varies The max amount you can send will vary depending on sending method, whether that is online or in a store.

Bottom line

Walmart offers a quick and competitive solution when you need to send money overseas. However, you should always compare your options before you decide on the best way to send your funds across international borders.

How much does it cost to send money with Walmart?

The fees attached to your international money transfer will vary depending on where you send your money, the amount you send and your payment method.

For example, sending $1,000 from your credit card for pickup at an agent location in Mexico will attract a fee of $0.99. However, sending the same amount via the same method to the Philippines will incur a transfer fee of $7.99. Before you lodge your transaction, Walmart gives you the option of reviewing any fee that applies to your transfer so that you can be fully aware of how much it will cost.

You should also remember that a currency exchange rate may also apply to your transaction – for example, for converting US Dollars into Philippine Pesos. Walmart’s exchange rates are set by MoneyGram. These rates are updated regularly to reflect changing market conditions, so it’s always a good idea to compare the exchange rate available using this service with the rates offered by banks and other money transfer companies.

What types of transfers can you carry out with Walmart?

Walmart allows you to send transfers online or by visiting your nearest Walmart store. In-person transfers require cash. However, your transfer can be funded using any of the following methods when you send via the website or app:

  • Credit card
  • Debit card
  • US checking account
  • Walmart MoneyCard

Transfers sent to any Walmart store in the United States or Puerto Rico are typically ready for collection within 10 minutes. If you’re sending money to a MoneyGram location around the world, same-day transfers are usually offered.

Money sent directly to a bank account, debit card or SmartMoney or M-PESA mobile wallet account could be received in as little as one hour or up to a day later.

How can I track my money transfer with Walmart?

Track the progress of your transfer by logging onto your Walmart account online and viewing recent transactions you have lodged. Your recipient can check on a transfer if you provide them with a transaction reference number, which they can use at any MoneyGram location.

Walmart offers an online FAQ section where you may be able to find the solution to any questions that arise. However, money transfer customer assistance is provided by MoneyGram; you can get in touch with them via phone or email, and all email requests for help are responded to within 48 hours.

How does Walmart compare to other services?

Compare Walmart2World alternatives on fees, transfer speeds and amount received by entering the amount you want to send, selecting your destination currency and clicking Calculate.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$1,000 1 day USD 0.00 0.83 EUR 4,148 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 0.83 EUR 4,148 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 0.834 EUR 4,171 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 0.821 EUR 4,105 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 0.838 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 0.835 EUR 4,169 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.

Find out other alternatives to Walmart

Case study: Roslyn’s experience

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Roslyn McKenna

My husband and I moved to another state and needed cash to pay our movers. We couldn’t withdraw cash from a local bank or ATM until we’d set up our new bank account. And so my mother-in-law offered to send us money from her Walmart to ours. She was told the cap was $2,500 per person, so she sent $2,000 to me and $2,000 to my husband.

To pick up the money, we gave our IDs and transfer codes to the Walmart rep. The desk rep put in my husband’s name for the transfer assigned to me, and the system allowed it to go through, giving us the first $2,000. But when the rep put my name in for the transfer assigned to my husband, it showed that he’d already reached his limit and would be locked out for 24 hours.

The Walmart employees we spoke didn’t apologize or attempt to fix the issue, simply telling us to call MoneyGram. We then spent hours on the phone with MoneyGram and in line at Walmart customer service.

My mother-in-law then had to cancel and resend the transfer in person. Moneygram confirmed the transfer would go through over the phone, but we still weren’t able to pick up the money on our second trip to Walmart. We canceled the transfer, and my mother-in-law picked up her cash in person, totaling three trips to Walmart for her and two for us.

Because Walmart wouldn’t let us complete the second transfer, we had to make a cash advance on our credit card for the remaining cash we needed, for a higher fee but much lower stress.

How can you send money overseas with Walmart?

Sending money overseas with Walmart can be done by app, online or in-store.

Your recipient can access the funds in a couple of ways:

  • Pick up the cash at any Walmart store in the US or Puerto Rico
  • Pick up the cash at one of the 350,000 MoneyGram agent locations
  • Bank account
  • Debit card
  • SmartMoney
  • M-PESA mobile wallet

For in-store transfers:

Pop into your local Walmart or MoneyGram agent location. You’ll just need to provide the name and location of the person you’re sending funds to and hand over the cash to cover the amount you are sending and any transfer fees that apply. In most cases, cash is the only form of payment accepted when sending money from a Walmart store or MoneyGram agent location.

For online transactions:

  1. Go to
  2. Select Start Sending Money. Enter in the recipient’s name and the country you’re sending the funds to and select the delivery method, then select Next.
  3. Enter the amount details. You can either enter the amount you want to send or the amount you want received. You can also select the currency.
  4. Select Get Total. Choose your payment method and select Next.
  5. Create an account. Use your email address or log into your existing account.
  6. Enter your payment details.
  7. Review your transaction details.
  8. Confirm and send.
Funds will usually arrive in minutes if paid for with a credit or debit card. It can take up to three business days for funds to arrive when a bank transfer is used for payment. Any online transactions that are currently being processed can be viewed by signing in to your account.

To cancel an online transaction:

Simply log in and go to My Account, then navigate to Transaction History. You can cancel it on the Transaction Details page. Refunds generally show up in 3–10 business days.

Alternatives to Walmart for sending money

How does Walmart Online protect my money?

Walmart strives to protect your banking information and to keep you safe from identity theft. As the world’s largest retailer, it’s able to safely transfer money to your friends and family in more than 190 countries.

  • Secure connection. Verified by Symantec, Walmart’s site employs a system of physical and administrative security measures.
  • Experience. For online money transfers, Walmart partners with MoneyGram, a licensed money transmitter that’s completed millions of transactions since 1940.
  • Verification. For every transaction, you confirm your identity by entering the last four digits of your Social Security number.
  • Accountability. Walmart is publicly traded on the New York Stock Exchange.

How do I report suspicious activity to Walmart Online?

Walmart Online will never email you to confirm passwords, transaction details or personal information. If you are the recipient of an email from someone claiming to be Walmart Online, do not respond. If you’re wary about an email or phone call, call the Walmart MoneyGram hotline at 1-888-988-5726.

Customer service

Walmart provides both phone and email support for questions regarding its money transfer service. You can call 1-800-689-8307 about a specific transaction, or 1-800-666-3947 if you have a general question.

What is Walmart2World?

Walmart2World is a brand new international wire transfer service that offers flat fees and transfers in a matter of minutes to over 200 countries around the world. Powered by MoneyGram, the service launched in all of Walmart’s 4,700 US stores in April 2018, with a few main features that sets it apart from other wire transfer services out there.

  • Flat fees. No matter where you are in the US and where you’re sending money to, you’ll pay the same low fees every time: $4 fee for transfers up to $50, $8 fee for transfers of $51 to $1,000 and $16 fee for transfers of $1,001 to $2,500.
  • Delivery in minutes. Walmart2World will deliver funds in 10 minutes or less, no matter if you’re sending money to a MoneyGram location, an international bank account or a mobile wallet account. This is a sharp contrast to other international wire transfer services, which can take up to three days to get funds delivered to your recipient.
  • Express service option. Using the Mobile Express Money Services function in the Walmart app on your smartphone or tablet, you can initiate your money transfer from the app. Then when you get to the store, you can fast-track through the Mobile Express Lane to seamlessly complete your transaction in no time. The app allows you to save your transfer details to help make future transactions easier and faster.

Frequently asked questions about Walmart money transfers

How long will Walmart hold a money transfer for without having a recipient pick it up?

Walmart will hold the money for 90 days. After that, the unreceived funds will be refunded to the sender, minus any fees paid on the original transaction.

How fast will my money arrive?

Walmart money transfers are usually processed within minutes though some may take longer depending on individual circumstances.

What options do I have to fund my transfer?

You can use the following payment options when you need to transfer money internationally: checking account, credit card, debit card, Walmart MoneyCard or cash.

Can I send money to Mexico through Walmart’s money transfer service?

Yes, you can send money from the US to Mexico through Walmart2World, which is powered by Ria or MoneyGram.

What’s the maximum amount I can send online?

The maximum amount you can transfer online using the Walmart service is $2,500 per transfer, with a maximum monthly amount of $6,000.

Is there a minimum amount?

The minimum amount for online transfers varies depending on your payment method. The minimum for a 10-minute transfer paid for with your credit or debit card is $1 while the minimum for a transfer from your US checking account is $50.


Our team analyzes money transfer providers offering services in the US — from big names to digital upstarts. We rank rates and fees, speed, services and user experience for:

  • TransferWise
  • XE
  • OFX
  • WorldRemit
  • Currencies Direct
  • Western Union
  • RIA Money Transfer
  • MoneyGram
  • Remitly
  • Payoneer
  • Remit2India
  • Xoom
  • PayPal

Learn the details of our methodology and scoring.

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38 Responses

    Default Gravatar
    EveDecember 10, 2020

    I sent money to a friend in Jamaica. Does she need an addition information like my address to receive the money? She has the reference number.

    Default Gravatar
    DdNovember 30, 2020

    From US to mexico how much can we send??

      Avatarfinder Customer Care
      ZakNovember 30, 2020Staff

      Hi Dd,

      Thanks for reaching out.

      The maximum transfer amount for transfers from the US to Mexico is $9,999.99, and this limit may require additional proof of identification when sending.


    Default Gravatar
    TroyDecember 11, 2019

    Can I pick up my without a receipt number

      Avatarfinder Customer Care
      nikkiangcoDecember 12, 2019Staff

      Hi Troy,

      Thanks for your comment and I hope you are doing well.

      To pick up money at Walmart, you only need a driver’s license or any government-issued ID. I hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    TammyJuly 5, 2019

    How can I track my Walmart2world money I have been trying to track it on money gram it keeps saying no records and it a recent transactions

      Avatarfinder Customer Care
      BellaJuly 6, 2019Staff

      Hi Tammy,

      Thanks for your inquiry.

      You may track the progress of your transfer by logging onto your Walmart account online and view your recent transaction.

      I hope this helps.

      Kind regards,

    Default Gravatar
    TammyJuly 5, 2019

    Can I use Walmart2world to send money to Nigeria my mom is there for a friends wedding and she need some money

      Avatarfinder Customer Care
      BellaJuly 5, 2019Staff

      Hi Tammy,

      Thanks for your inquiry.

      Since Walmart2world collaborates with Moneygram on sending money abroad, yes you may able to send money to your mom in Nigeria.

      I hope this helps.

      Kind regards,

    Default Gravatar
    Shine_23May 13, 2019

    Can I transfer momey from a account international or domestic and i pick It up for cash pickup at Walmart!!

      Avatarfinder Customer Care
      nikkiangcoMay 16, 2019Staff

      Hi Shine_23,

      Thanks for getting in touch with Finder!

      Yes, you can transfer money from your account (domestic or international) to send to your Walmart account and you can pick it up at any Walmart store. You can add money online from your bank’s website through an electronic funds transfer. Transfers usually take 1-3 business days. There is no reload fee. Take note though, your bank may charge for this service to be aware of the fees before making a transfer.

      Hope this helps!


    Default Gravatar
    PaulaApril 10, 2019

    Can I use Walmart 2 World to send money to someone in the British virgin islands?

      Avatarfinder Customer Care
      johnbasanesApril 11, 2019Staff

      Hi Paula,

      Thank you for reaching out to Finder.

      Since Walmart2world collaborates with Moneygram on sending money abroad, yes you would be able to send money to someone in the British virgin islands. Hope this helps!


    Default Gravatar
    AndrewFebruary 26, 2019

    What is the daily limit for Walmart transfer?

      Avatarfinder Customer Care
      JhezFebruary 27, 2019Staff

      Hello Andrew,

      Thank you for your comment.

      Upon checking, you can send up to $2,500 per online transaction. Limits may vary per location.


    Default Gravatar
    NickFebruary 26, 2019

    What is the cost to send $5000.00 from Florida to Atlanta?

      Avatarfinder Customer Care
      JhezFebruary 27, 2019Staff

      Hello Nick,

      Thank you for your comment.

      According to the Walmart’s estimator, you can send a maximum of $2500 per transaction, not $5000. For one transaction of $2500, the fee to Atlanta, Georgia is $16.


    Default Gravatar
    TYFebruary 6, 2019

    Hello, I know the daily limit is 2500. But what is the monthly limit? Used Walmart-2-Walmart a few times now and this last time they said I exceeded my limit.

      Avatarfinder Customer Care
      JeniFebruary 10, 2019Staff

      Hi TY,

      Thank you for getting in touch with finder.

      You can send up to $6,000 every 30 calendar days for most countries. Please see Walmart-MoneyGram’s official FAQ page to learn more on money transfer limits.

      I hope this helps.

      Thank you and have a wonderful day!


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