Walmart is the largest retailer in the world. But did you know that in addition to selling goods, it also offers a money transfer service? The Walmart-to-Walmart money transfer service lets you send cash to another person by visiting an in-person location, the website, or the app. Then, the recipient can visit their store to withdraw the cash. Online options also allow for debit card and direct-to-bank account deposits.
Since 2014, Walmart has enabled customers to send money domestically and internationally. With so many money transfer options in today’s market, why do customers choose Walmart2Walmart? This guide covers Walmart-to-Walmart money transfers, so read on to find out.
Key Takeaways:
- Walmart2Walmart lets you send up to $2,500 per day and $6,000 per month domestically to U.S., Puerto Rico, and Mexico locations.
- In-store transfers allow cash payments, require ID, and usually cost less than online transfers but require visiting a Walmart during business hours.
- Online transfers use Walmart’s partner site (like MoneyGram), accept debit or credit cards, and can be sent anytime but often have higher fees.
- Walmart2World enables international transfers to over 200 countries with fees starting at $2.50, with debit card direct-to-bank delivery usually costing the least.
- Transfers are often available within 10 minutes, and recipients need a reference number and valid ID to pick up the money.
What Is Walmart2Walmart Money Transfer?
Walmart2Walmart is a money transfer service that lets you send funds from one Walmart store to another, where the recipient can pick up the cash. This service is only available domestically in the USA, as well as Puerto Rico and Mexico. For international transfers, Walmart introduced Walmart2World in 2018.
Walmart’s domestic money transfer service is powered by MoneyGram, Western Union, and Ria Money Transfer, which means your money is routed through one of these networks to its destination. This is how it works: You give the funds to the Walmart on the sending side, and then a network transmits these funds to the Walmart on the receiving side so they can be paid out to the recipient. Typically, the funds are ready for pickup in about 10 minutes.
“At Walmart, we’re committed to making money transfers both affordable and accessible for our customers. Sending money to 200+ countries & territories, bank accounts, and mobile wallets is as simple as visiting any Walmart store or using our convenient Walmart2Walmart app. Fees start at just $2.50 for international money transfers and $4.00 for domestic transfers. We understand how important every dollar is to the families who rely on these services.”
Said Robyn Babbitt, a Walmart Spokesperson.
Currently, the Walmart-to-Walmart money transfer limit has a daily cap of $2,500 and a monthly cap of $6,000 per person.
There are two main ways to send money via Walmart — in person and online. Let’s see how both of these methods work below.
Method 1: In-Store Walmart2Walmart Money Transfer
Prefer to send money in person? Just stop by the Walmart Money Services Center. There’s no need to sign up or make an appointment. Simply walk in during business hours, and a store associate will assist you with the rest.
Steps to Complete an In-Store Walmart Transfer
- Step 1: Visit a nearby Walmart location and locate the Money Services Center. If the store doesn’t have a dedicated Money Services Center, the customer service desk can usually help.
- Step 2: Provide the necessary information to the Walmart associate. You’ll need to give your name and address, the recipient’s name and address, the destination Walmart location, and the transfer amount.
- Step 3: Confirm your identity by showing a government-issued ID. The associate will verify it before proceeding.
- Step 4: Pay the transfer. You can typically pay with cash or a debit card.
- Step 5: Walmart will give you a receipt with a reference number. Keep this receipt or write down the reference number.
- Step 6: Share this reference number with the recipient, so that they’ll be able to pick up their cash.
- Step 7: The recipient will need to visit the designated store and provide the reference number and valid photo identification to collect their funds.
Advantages of In-Store Transfers
- Face-to-face assistance can be reassuring, especially if it’s your first time using the service. You can ask questions on the spot and ensure everything is done correctly.
- The ability to pay in cash offers accessibility to those who don’t own a debit card.
- There’s no reliance on internet connectivity or dealing with website forms. No need to set up online accounts to send money.
- There are thousands of Walmart locations nationwide, so it’s easy to find a location to send or receive the money.
- When you complete the transaction in person, you’ll receive immediate confirmation with a printed receipt showing the reference number.
Disadvantages of In-Store Transfers
- Sending money in-store means you have to physically go to Walmart. If you live far from one, this could be inconvenient.
- If you visit a Walmart at a busy time, you might experience long waiting times.
- You can only go to a Walmart store during operating hours. Walmart locations don’t operate 24/7.
- Fees tend to be higher in person; for example, sending more than $1,000 in-store can cost up to $10, compared to $7.50 via the app.
Method 2: Online Walmart2Walmart Money Transfer
The second method is to send money online, either through Walmart’s website or mobile app. A Walmart-to-Walmart money transfer online can be initiated from any device. This could be a great option if you don’t have a Walmart in your vicinity.
“Walmart primarily offers its Money Transfer services in-store, where customers can access a full suite of options supported by Walmart’s trusted providers. The in-store experience is designed to deliver a comprehensive and convenient service,” said Babbitt. “While a complete online solution is still in development, Walmart currently provides a link to a provider-operated website. This link offers customers immediate access to that provider’s money transfer services, though it does not replicate the full range of services available in-store.”
As of this publication, Walmart’s online money transfer services direct to a provider-operated website. The fees for domestic money transfer services on the Walmart-branded MoneyGram page are as follows:
| Debit Card, Cash Pickup | Credit Card, Cash Pickup | Debit Card, Debit Card Deposit | Debit Card, Direct to Bank Account | Credit Card, Direct to Bank Account | |
| Transfers up to $50 | $7.49 | $9.24 | $2.99 | $0.99 | $4.74 |
| Transfers up to $1,000 | $114.99 | $140.99 | $18.99 | $16.99 | $32.99 |
| Transfers up to $2,500 | $199.99 | $275.99 | Some options not supported due to high send amount. | $34.99 | $65.49 |
Steps to Complete an Online Walmart Transfer
- Step 1: Go to Walmart.com and navigate to the “Financial Services” section. On the Walmart app, tap “Services” and find Money Transfers there.
- Step 2: Find and select the “Send Money” option. As of this publication, you will be sent to a Walmart-branded MoneyGram page to complete the following steps.
- Step 3: Select the destination state. Enter the transfer details.
- Step 4: Choose a payment method. The website or app accepts U.S.‑issued debit cards and most major credit cards. Debit cards usually carry the lowest fee and fund the transfer almost instantly; credit‑card payments cost more.
- Step 5: Create or log into your MoneyGram account.
- Step 6: Provide the recipient’s information. Before finalizing, review the sender and receiver information, your card details, and the transfer fee. If everything is correct, hit confirm.
- Step 7: You’ll receive a confirmation with the reference number via email. Share this number with the recipient.
Advantages of Online Transfers
- You can send money anytime from anywhere. Even if it’s late at night or a holiday, you can initiate a transfer from the comfort of your home.
- It can save time, as you don’t have to go to a physical store and stand in line.
- When you send money, you can save the recipient’s information and payment information for next time. If you plan to send that person money again, the process next time will only involve a few clicks.
- Paying with a debit card can be more convenient. The transfer fee is automatically applied when you input the amount.
- Walmart uses encrypted technology to help protect your personal information.
Disadvantages of Online Transfers
- At the time of this publication, the fees incurred for online transfers are higher than reported fees for in-store Walmart2Walmart transfers.
- The online service doesn’t accept physical cash. Credit cards are sometimes accepted online, but they often incur extra fees, and not all cards are eligible.
- Using the app or the website requires setting up an account and passing verification. This is a one-time hurdle, but it’s an extra step.
- Like any online service, there’s always a risk of technical glitches. The app could crash or your payment might not go through due to input errors.
- Even if you send money online, the recipient still has to physically go to a store location for the Cash Pickup at Walmart option. This makes the sender’s job easier, but not the recipient’s.
What About Walmart2World International Money Transfers?
If you’re looking to send money outside the United States, Walmart has you covered with its Walmart2World service. Unlike Walmart2Walmart, which is strictly for domestic transfers (including Puerto Rico and Mexico), Walmart2World lets you send money to over 200 countries and territories.
The process is very similar. You can go to a Walmart store or use the online platform (which redirects to a partner site like MoneyGram). You’ll need the recipient’s name, location, and in some cases, their bank account information — especially if you’re sending directly to a bank or mobile wallet.
International Transfer Limits
The Walmart2World international daily transfer limit is up to $2,500 per sender. The monthly limit is up to $6,000 per sender. Some countries may have their own receiving limits, so it’s a good idea to check in advance.
Fees for International Transfers
Fees for international transfers start at just $2.50, but the total cost depends on:
- How much you’re sending
- The destination country
- Your payment method (debit card, credit card, or bank transfer)
- The delivery method (cash pickup, direct to bank, or mobile wallet)
In general, debit card payments with direct-to-bank delivery tend to have the lowest fees, while credit card payments for cash pickups cost more.
Delivery Speed
Depending on the country and the chosen method, delivery can take one to two business days. You’ll get a reference number to track the transfer, just like with domestic services.
Walmart2Walmart Money Transfer: Security and Compliance
Whether you’re making a Walmart-to-Walmart transfer at the store or through the website, there are built-in protections. In-store, you’ll need to show a valid photo ID before sending money. This helps confirm your identity and prevent fraud. Online, you’ll be asked to verify your account, and all transactions are encrypted to protect your personal and financial information.
Walmart works with trusted partners like MoneyGram, Ria, and Western Union, all of which follow strict federal and state money transfer regulations. These include rules designed to stop money laundering and protect consumers from scams.
How to Save on Money Transfers
Nobody likes paying extra fees. With a few simple strategies, you may be able to cut costs when using Walmart2Walmart.
First, try to keep your transfer amount under $50. This is where the fees are lowest. Speaking of which, debit cards usually come with lower fees than credit cards, especially when sending money online.
If you’re sending money often, think about consolidating your transfers. Sending a larger amount once a month can be cheaper than sending smaller amounts every week.
And finally, if you’re heading to a store, try to avoid peak hours. It won’t lower the fee, but it’ll definitely save you time, and that’s worth something too.
If you need to send money quickly, Walmart-to-Walmart money transfers can help. Stop by a store if you like that face-to-face service and prefer to pay in cash, or skip the trip and send money online from wherever you are. Either way, it’s fast, affordable, and gets your money where it needs to go.
Frequently Asked Questions
How Much Does It Cost to Send $100 from Walmart to Walmart?
If you’re sending $100 in person at a Walmart store, Walmart lists this fee as $8. However, this may vary based on payment and delivery methods.
If you’re sending it online through the MoneyGram link on Walmart’s site or app, it depends on how you pay and the delivery method. Using a debit card usually comes with a lower fee. Using a credit card can cost more, so it’s worth comparing options before you send.
How Long Does It Take for Walmart2Walmart Money to be Available?
Transfers are typically available in as little as 10 minutes. Once the payment is processed, the recipient can go to their local Walmart and pick up the cash using the reference number you share with them. In some cases, a transfer might be delayed for review by the service provider, potentially extending the transfer time.
Do I Need an Account to Use Walmart2Walmart?
If you’re sending money in-store, you don’t need an account. Just bring your ID and payment method. For online transfers, you’ll need to create an account through Walmart’s partner site (like MoneyGram) and go through a one-time verification process.
Can the Recipient Pick up the Money at any Walmart?
The recipient can usually pick up the money at any Walmart in the designated country (United States, Puerto Rico, or Mexico), as long as it matches the location entered during the transfer.
What Payment Methods Can I Use?
In-store, you can pay with cash or a debit card. Online, you can use a United States-issued debit or credit card, though fees vary depending on your choice.
What’s the Transfer Limit?
You can send up to $2,500 per day and up to $6,000 per month per person. These limits apply whether you’re sending money in person or online.
Sources
- Walmart Corporate. Western Union Services Now Live in Nearly 4,700 Walmart Stores. Accessed July 23, 2025.
- CNBC. Walmart Takes Its Money Transfer Service Global. Accessed July 23, 2025.
- Securities and Exchange Commission. Walmart Introduces Exclusive Money Transfer Service, Cuts Fees by up to 50 Percent for Customers. Accessed July 23, 2025.
- Walmart. RIA International Money Transfer. Accessed July 23, 2025.
- Walmart Corporate. Walmart Delivers Lowest Prices Ever for Domestic Money Transfers. Accessed July 23, 2025.