How to wire money with Walmart

Walmart offers wire transfers within the US, and abroad, in partnership with MoneyGram, Ria and Western Union.

We’ll explain how to wire money at Walmart, including how much it costs and how long transfers take.

It’s worth noting that wiring money can get quite expensive. It can be a great idea to try alternatives like Wise which could help you save compared to traditional services.

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How does wiring money through Walmart work?

Walmart has two main wire transfer services. Walmart2Walmart is in partnership with Ria for domestic payments within the US, including Mexico and Puerto Rico. 

Walmart2World is its international payments service in partnership with MoneyGram. 

As of 2021, Walmart has partnered with Western Union on Walmart2World service as well, although Western Union still has its own transfer service.

For international transfers, you can choose to send money for cash pickup, or directly to the recipient’s bank account, debit card, or mobile wallet - the available services will vary depending on the destination country.

If you want to transfer money with Walmart online, you’ll be redirected to the MoneyGram and Walmart partner website. You can also request wire transfers in person - visit their website to search for your nearest Walmart location. 

💡 If wire transfers don’t work for you, Walmart offers a money order service as well, as does MoneyGram.

How to wire money online with Walmart

The first thing to note is that both you and the recipient will need photo ID (for example, a driver’s license or passport) to send and receive money through Walmart. Here’s how the process works:

1. Register for an account, or log into your account

If you haven’t used the Walmart service before, you’ll be asked to enter your information, such as your full name (as shown on your ID) and home address.

2. Select a recipient

You’ll then need to enter the recipient’s information, including their first name, last name, the country and state or province they live in.

3. Fund the transfer

The next step prompts you to choose how your recipient will receive the funds. The most common method is a cash pickup, which is typically available within just a few minutes. On the next screen, you’ll input how much money you want to wire.

4. Transfer the money

Pressing the “Get total” button will reveal the various ways you can pay for this transfer, which includes by bank account, debit or credit card. The transfer fee will then be displayed, along with the total cost to send your money. The final step is to verify your identity by inputting additional personal information. You’ll then confirm the details of your wire, and transfer the funds.

How much does it cost to wire money at Walmart?

The cost of wiring money with Walmart varies depending on whether you’re making a domestic or international payment, mainly because Walmart is partnered with multiple services. 

For online transfers, you can use their website to estimate the exact fees. Generally, Walmart2World’s transfer fees are as follows¹:

• $4 for transfers of $50 or less
• $8 for transfers of $51-1,000
• $16 for transfers of $1,001-2,500 

Exchange rates will then be added to that amount to get your final total. 

💡 It’s worth mentioning that fees are higher if you’re paying by credit or debit card. Your credit card company may also charge you processing fees and interest if you don’t pay the balance in full.

Get a free Wise account and save

If you make money transfers often, and want to avoid overpaying, Wise is a good alternative. It could help you save compared to your current provider, but it's as secure and fast. 

You can send money online with Wise by paying with your debit card, credit card, or online banking.

And if you spend a lot of time in different countries or using different currencies, a multi-currency account offers you endless advantages.

You can hold your money in dozens of different currencies, transfer your money to even more countries, spend in shops and restaurants, and also use virtual account details for receiving money in the UK, the US, Europe and Australia. 

There’s also no monthly fee for getting a Wise account, and it just takes minutes to open one.

See how much you can save with Wise:

How long does a wire transfer with Walmart take?

Depending on your payment and collection method, it can take anywhere from just a few minutes to 4 business days for the funds to be ready. 

If you fund the wire transfer using a debit or credit card, the funds are usually ready for pickup within a few minutes of completing the transaction. 

But, bank transfers can take longer to process, so you may need to wait 3-4 business days for it to be received. 

How long do you have to pick up wired money at Walmart?

For international payments, both MoneyGram and Western Union generally state that cash transfers should be collected within 90 days, whereas Ria, usually requires pickups within approximately 21 days.  

However, you’ll need to review the time limit for your transfer carefully before you confirm the payment, to avoid the risk of it expiring. 

Can I pick up Walmart2Walmart money online?

Walmart2Walmart, powered by Ria, is used for transfers within the United States, inclusive of Mexico and Puerto Rico.

One of the biggest advantages of this service is that it’s available if you need to send money to someone who doesn’t have a bank account. 

Although the sender can make a Walmart2Walmart transfer online, the recipient will have to go into a Walmart or partner store (such as Bodega Aurrera) to pick up the money.

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Sources:

1. Walmart2World - Main Page

All sources checked on 28 April 2022