Western Union vs. Walmart2Walmart

Walmart now offers a fast, low-fee way to send money domestically.

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Walmart2Walmart is a service powered by Ria that lets you transfer money within the US or Puerto Rico almost instantly — but you’ll have to pick up the cash in a Walmart store and you can’t send an international transfer.

Western Union logo money transfers walmart2walmart
Fees Fees start at $5 $4.50 for transfers of up to $50
$9.50 for transfers of $51 to $900
Exchange rates Up to 6% above the mid-market rate Exchange rates not applicable, domestic transfers only
Speed Varies from minutes to 5+ days In minutes
Max Transfer Amount Varies by method and payment $900
Read review Read review

How they work?

While Western Union allows for online transfers to anywhere in the world, Walmart2Walmart 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.

Read review: Western Union

Walmart

Walmart has been in the international money transfer business awhile now through a partnership with MoneyGram. But Walmart2Walmart is an entirely separate service with the backing of Ria money transfers service. With Walmart2Walmart, you can send money from one Walmart to another Walmart. That’s right: You walk into your local Walmart, specify the amount you’d like to send and to which US state, and hand over your cash or debit card for payment. Within minutes, it’s available for pickup at any Walmart store within the state you’ve specified. You can also use Walmart’s app to pay your bills to over 3,000 merchants or to send money internationally through its Walmart2World service.

Read review: Walmart

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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.

Walmart2Walmart

Walmart2Walmart 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

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Winner: Varies

Ultimately, who’s best depends on your circumstances. Given its clear pricing structure, you’ll definitely save with Walmart2Walmart. 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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Compare other transfer services

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 0 1 - 2 days USD 0.00 0.895 EUR 4,475 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
USD 1 1 - 2 days USD 40.00 0.899 EUR
4,457
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
EUR 1,000 1 - 2 days USD 10.00 0.89 EUR 4,439 Use TransferMate to help you send money to almost any country around the world for a small fee. Go to site Show details
USD 1 Within an hour USD 3.99 0.895 EUR 4,471 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
GBP 1,000 1 - 2 days USD 0.00 0.89 EUR 4,448 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
USD 1,000 1 day USD 0.00 0.89 EUR 4,448 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
USD 5,000 1 day USD 0.00 0.89 EUR 4,448 Venstar will support you through the entire process of your international transactions, from start to finish. Go to site Show details

Compare up to 4 providers

WorldRemit Deals WorldRemit Deals
Exclusive

WorldRemit: First Transfer FREE

You first transfer is free with WorldRemit when you use this coupon code. Send or pick up cash in the US or around the world.

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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 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

Walmart2Walmart

With Walmart2Walmart, there’s no worries about exchange rates — because you can only send domestically.

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Winner: Western Union

Walmart2Walmart does not send money abroad, so Western Union is your only option for money transfers into foreign currencies.

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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.

Walmart2Walmart

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

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Winner: Walmart2Walmart

While both Western Union and Walmart2Walmart offer instant delivery for certain situations, Walmart2Walmart will get your money where it needs to go faster than Western Union every time.

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Who offers more options?

Payment Methods Minimum and maximum transfers Delivery methods Transfer speeds Countries and currencies
Western Union Bank account, credit or debit card, cash $1 minimum; maximum varies by method and payment Bank transfer, cash pickup, e-wallet Varies from minutes to 5+ days 200+ countries
Walmart2Walmart Cash or debit card $1 minimum; $900 maximum Walmart store pickup only In minutes US only
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Bottom line

Walmart2Walmart 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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22 Responses

  1. Default Gravatar
    CLIVENCEJanuary 24, 2019

    Greetings…
    will someone be able to receive money from another country, where He/She resides; which is another country? (Western Union).

    • Avatarfinder Customer Care
      ValJanuary 28, 2019Staff

      Hi Clivence,

      Thank you for leaving a questions. If we are checking on Western Union – yes they will be able to receive the money if you send the money via Western Union by advising the receiver to visit the closest Western Union branch. 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.

      This may also depend on which country your receiver is residing at. You may ask them to check first for the nearest Western Union branch.

      Hope this helps.

      Regards,
      Val

  2. Default Gravatar
    TinaJuly 13, 2018

    Any chance you can call ahead to confirm that the money has been sent?

    Say if I had money being sent to me, can I call give them my name and they can let me know yes it’s there now I can make the drive?

    • Default Gravatar
      shelleyAugust 22, 2018

      why woukd walmart 2 walmart refuse to complete a transaction. returning money to sender.

    • Default Gravatar
      joelmarceloAugust 23, 2018

      Hi Shelley,

      Thanks for leaving a question on finder.

      If you are the sender, I strongly suggest that you speak with Walmart directly on why your transaction was declined since they rarely do it. If you are receiver, you can check with the sender on why it was declined. Sorry to hear about what happened. I hope this gets resolved soon.

      Cheers,
      Joel

    • Default Gravatar
      joelmarceloJuly 13, 2018

      Hi Tina,

      Thanks for leaving a question on finder.

      If your friend sent you a transfer via Western union, you can visit their website and select Track Transfer. You’ll need the name of the person who sent you the money and the tracking number. Same goes for Walmart who is powered by Moneygram. You will need to go to their website and use the tracking tool from there. There is no option to call you but Western Union can send an SMS to the sender to notify them if the money is ready for pick up and if it has been already picked up. You can coordinate this with the sender and ask them to inform you when the money is ready to be picked up.

      Cheers,
      Joel

  3. Default Gravatar
    KimberlyJanuary 9, 2018

    Do you have to be 18 to receive money?

    • Avatarfinder Customer Care
      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

  4. Default Gravatar
    ShamereJanuary 7, 2018

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

    • Avatarfinder Customer Care
      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

  5. Default Gravatar
    PaulDecember 22, 2017

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

    • Avatarfinder Customer Care
      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

  6. Default Gravatar
    StephanieDecember 19, 2017

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

    • Avatarfinder Customer Care
      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

  7. 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.

    • Avatarfinder Customer Care
      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

  8. Default Gravatar
    WhatNovember 27, 2017

    What time do western union Wal-Mart close

    • Avatarfinder Customer Care
      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

  9. 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

  10. Default Gravatar
    MarkAugust 17, 2017

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

    • Avatarfinder Customer Care
      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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