Western Union vs. Walmart: Who wins for transfers? | finder.com
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Western Union vs. Walmart-2-Walmart

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We compare a tried-and-true money transfer company with a newer service of the world’s largest retailer.

Although Western Union remains one of the largest international money transfer companies, it’s by no means your only option when sending money overseas. In fact, Walmart now offers Walmart-2-Walmart, a service powered by Ria, whereby customers transfer money from one store location to another.

Overall, Walmart-2-Walmart offers competitive transfer costs and exchange rates, while Western Union provides a few more options.

Western Union logo money transferswalmart2walmart
Western UnionWalmart-2-Walmart
FeesFees start at $5$4.50 for transfers of up to $50
$9.50 for transfers of $51 to $900
Exchange ratesUp to 6% above the mid-market rateExchange rates not applicable, domestic transfers only
SpeedVaries from minutes to 5+ daysIn minutes
Max Transfer AmountVaries by method and payment$900
Read ReviewRead Review

Western Union and Walmart-2-Walmart: How they work

While Western Union allows for online transfers to anywhere in the world, Walmart-2-Walmart is a domestic service that transfers money from store to store only.

Western Union

To transfer money online with Western Union, you visit its site and enter how much you’re transferring and to which country. You’re able to see the exchange rate and select a transfer options and associated fees. Once you confirm, Western Union converts and delivers your money to a bank account or for cash pickup at locations worldwide. You also have the option of initiating a transfer by phone or in person at an agent location.

Walmart

Walmart has been in the international money transfer business awhile now through a partnership with MoneyGram. But Walmart-2-Walmart is an entirely separate service with the backing of Ria money transfers service. With Walmart-2-Walmart, you can send money from one Walmart to another Walmart only. That’s right: You walk into your local Walmart, specify the amount you’d like to send and to which Walmart store, and hand over your cash, credit card or debit card for payment. Within minutes, it’s available for pickup at the store you’ve specified.

Who offers lower fees?

Western Union

How much you’ll pay varies by how much you’re transferring, how you’re sending it and where you’re sending it to. Fees start at $5 but can soar to up to $45 when paying by credit or debit card for cash pickup in certain countries.

Walmart-2-Walmart

Walmart-2-Walmart offers a fee structure with two transparent pricing tiers:

  • $4.50 for transfers of up to $50
  • $9.50 for transfers of $51 to $900
  • Winner: Varies

Ultimately, who’s best depends on your circumstances. Given its clear pricing structure, you’ll definitely save with Walmart-2-Walmart. But you’re limited to in-person store-to-store transfers of $900 or less. With Western Union, you’ll pay more — though how much more depends on many factors, but you can send money online and worldwide.

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Who offers better exchange rates?

To understand who offers better exchange rates, you’ll need to first look at the mid-market rate. This is the true exchange rate that averages the buying and selling rate of a global currency — and the rate banks and transfer services use when they trade among themselves.

We’ll look at the rates Western Union and World First offer compared to the mid-market rate.

Western Union

Depending on the country you’re sending money to, a typical exchange rate at Western Union could be up to 6% above the mid-market rate. If you’re sending a large amount overseas, this means hundreds of dollars goes straight into Western Union’s pocket.

Let’s use the example of a transfer to euros (EUR):

  • If the mid-market rate is 1 USD = 0.95 EUR
  • Western Union’s exchange rate might be 1 USD = 0.88 EUR

Walmart-2-Walmart

With Walmart-2-Walmart, there’s no worries about exchange rates — because you can only send domestically.

  • Winner: Western Union

This one’s a default.

Who’s faster?

Western Union

Delivery speed varies with transfer options. At an agent location or by phone, your transfer could be delivered in minutes (at higher costs). Your cheapest options could take five days or longer, depending on the country.

Walmart-2-Walmart

No matter how you pay, your transfer is delivered from your Walmart to your recipient’s Walmart in minutes.

  • Winner: Walmart-2-Walmart

While both Western Union and Walmart-2-Walmart offer instant delivery for certain situations, Walmart-2-Walmart will get your money where it needs to go faster than Western Union every time.

Western Union & Walmart-2-Walmart head to head

Payment MethodsMinimum and maximum transfersDelivery methodsTransfer speedsCountries and currencies
Western UnionBank account, credit or debit card, cash$1 minimum; maximum varies by method and paymentBank transfer, cash pickup, e-walletVaries from minutes to 5+ days200+ countries
Walmart-2-Walmart
Cash,credit or debit card$1 minimum; $900 maximumWalmart store pickup onlyIn minutes190+ countries

Bottom line

Walmart-2-Walmart can save you time and money with transfers in minutes, but you’re limited to sending to Walmart store locations in the United States. Western Union will send your money to any of its more than 500,000 agent locations globally.

Ultimately, you’ll want to compare your options to find a service that’s right for your situation.

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16 Responses

  1. Default Gravatar
    KimberlyJanuary 9, 2018

    Do you have to be 18 to receive money?

    • Staff
      RenchJanuary 9, 2018Staff

      Hi Kimberly,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      As I have checked, there’s no info stating an age requirement to send/receive money through Western Union or Waltermart. As long as you have a valid ID to present and you have provided correct details when you pick up/receipt the money transfer, it should be fine. I suggest contacting Western Union or Walmart directly to further inquire.

      Best regards,
      Rench

  2. Default Gravatar
    ShamereJanuary 7, 2018

    If someone does Walmart to Walmart can I pick up at any western union

    • Staff
      JoanneJanuary 8, 2018Staff

      Hi Shamere,

      Thanks for reaching out.

      With Walmart to Walmart, you can send money from one Walmart to another Walmart ONLY. That would mean when you walk into your local Walmart, you specify the amount you’d like to send and to which Walmart store, then hand over your cash, credit card or debit card for payment. Within minutes, funds would be available for pickup at the Walmart store you’ve specified.

      Cheers,
      Joanne

  3. Default Gravatar
    PaulDecember 22, 2017

    Does the sender have to name a specific store for the recipient to receive it at?

    • Staff
      RenchDecember 23, 2017Staff

      Hi Paul,

      Thanks for your inquiry. Please note that we are not affiliated with Walmart or any company we feature on our site and so we can only offer you general advice.

      If you are referring to Western Union or Walmart-2-Walmart money transfer, there’s no need to name a specific store on where you can receipt the money transfer. As long as you have the tracking number and the personal details of the money transfer, you should be able to receive the money by providing those information at a Western Union / Walmart-2-Walmart branch. May sure also that you have a valid ID with you to present.

      Cheers,
      Rench

  4. Default Gravatar
    StephanieDecember 19, 2017

    Can I use my visa credit card to send Walmart to Walmart?

    • Staff
      RenchDecember 20, 2017Staff

      Hi Stephanie,

      Thanks for your inquiry. Please note that we are not affiliated with Walmart or any company we feature on our site and so we can only offer you general advice.

      Yes, you can use your credit card from one Walmart to another Walmart. Specify the amount you’d like to send and to which Walmart store, and hand over your cash, credit card or debit card for payment. Within minutes, it’s available for pickup at the store you’ve specified.

      Cheers,
      Rench

  5. Default Gravatar
    LanceDecember 13, 2017

    Can I use my Walmart credit card to send money to another Walmart? It’s a walmart personal credit card.

    • Staff
      RenchDecember 18, 2017Staff

      Hi Lance,

      Thanks for your inquiry. Please note that we are not affiliated with Walmart or any company we feature on our site and so we can only offer you general advice.

      Yes, you can use your Walmart credit card to another Walmart. Specify the amount you’d like to send and to which Walmart store, and hand over your cash, credit card or debit card for payment. Within minutes, it’s available for pickup at the store you’ve specified.

      You can know more about Walmart Credit Card from this review.

      Cheers,
      Rench

  6. Default Gravatar
    WhatNovember 27, 2017

    What time do western union Wal-Mart close

    • Staff
      AnndyNovember 28, 2017Staff

      Hi there,

      Thanks for your question.

      With Wallmart Money Centers (where you could do money transfers), they operate from 7:00 am up to 10:00 pm.

      For the Western Union, the closing hours vary depending on the agent location. Alternatively, they are available 24/7 if you are sending online.

      Cheers,
      Anndy

  7. Default Gravatar
    JamesOctober 17, 2017

    Can I use Walmart Credit Card to send Walmart to Walmart or Money Gram at the store.

    • Default Gravatar
      GruOctober 17, 2017

      Hello James,

      Thank you for your query.

      Yes, for both types of money transfers, you may use your Walmart Credit Card.
      Just specify the amount you’d like to send and to which Walmart store, hand over your credit card for payment. Within minutes, it’s available for pickup at the store you’ve specified.

      Hope this helped.

      Cheers,
      Gru

  8. Default Gravatar
    MarkAugust 17, 2017

    Can I receive a money transfer from Walmart to Walmart from western union

    • Staff
      MayAugust 18, 2017Staff

      Hi Mark,

      Thank you for your inquiry.

      I’m afraid that Walmart-2-Walmart and the Western Union are not partners, so the money transacted/transferred through Walmart-2-Walmart cannot be claimed from the Western Union.

      Cheers,
      May

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