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A Complete Guide To Sending Money Through Walmart

Updated on May 07, 2020 01:16 pm
Walmart Money Transfers

Walmart has around 11,500 stores worldwide, with over 6000 stores in over 26 countries outside the US. Walmart has come a long way from its early years of being a regional discount store chain, it is now one of the largest international conglomerates with portfolios in various sectors of the economy. Incorporating financial services is one of the many ventures that Walmart is expanding its portfolio through.

Through Walmart Money Center, the company offers various services including;

  • Walmart Credit Card
  • Reloadable Debit Card
  • Walmart Gift Card
  • Check Printing and Cashing
  • Tax Prep Services
  • Walmart Pay
  • Walmart Money Order
  • Bill Pay
  • Walmart Money Transfers

This means your convenience store just got more convenient. But are Walmart's money transfer services reliable? Is it safe to send money through Walmart2Walmart money transfer? How to send money internationally through Walmart? We will answer some of these questions in this guide.

Walmart money transfer services for domestic and international are powered by Ria and MoneyGram respectively. Money Order and Western Union transfer services are also available at participating stores.

During the launch of their international money transfer service in 2019, Walmart announced that they have helped their consumers save an estimated $1 billion in total costs due to Walmart's Everyday Low Price Strategy since 2014.

Depending on your needs, Walmart offers various options through which you can transfer funds anywhere in the US and to over 200 countries worldwide.


Walmart2Walmart is powered by Ria to send money domestically within the US territories. Ria is an online money transfer company that provides low-cost currency exchange services in 140 countries through its large network of affiliates and agents.

Walmart2Walmart was launched in 2014 in a bid to serve the unbanked population in the US. With this service, you can send money to any Walmart Store in the US, including Puerto Rico.

How to send money through Walmart2Walmart

  • Visit a Walmart near you
  • A store associate will help you find a Walmart store location that is most convenient for the recipient
  • Pay the transfer amount and fees; you can pay using a debit or credit card or in US dollars
  • The money will be available at the recipient's location in as little as 10 minutes.

To skip the line, you can also choose to start a transfer via Walmart's mobile app and complete your transaction at a Walmart store near you.

How to track Walmart2Walmart Money Transfers

Walmart to Walmart money transfer tracking can be done using the reference number of the transaction. In case of any issues with Walmart2Walmart US transactions call RIA's customer helpline at 1-855-355-2144.

Fees of Walmart2Walmart

Walmart Fees

One of the most important features of Walmart money transfer is the flat fee system.

Fees start from $4.00 for up to $50 transfer amount and go up to $16 for transfer of $1001 to $2500.


Walmart2World is powered by MoneyGram to facilitate international money transfers. With the Walmart2World service, you can transfer money to over 200 countries with a MoneyGram agent location.

MoneyGram is a money transfer company with a presence in over 200 countries. MoneyGram provides various sending options including the MoneyGram mobile app, debit or credit card, and bank transfers. The cash pickup facility is also available through its 350,000 plus agent locations all over the globe. 

Money transfers can be started through the app, Walmart MoneyGram online website, or from a Walmart Store. You can send money through a credit card, debit card or by paying with US dollars.

How to send money online internationally through Walmart

  1. Register or log in
  2. Enter the details of the sender
  3. Enter the details of the recipient
  4. Enter the amount
  5. Select your payment method; pay with your credit card or debit card, or send money directly from your bank account.
  6. Select a receiving method
  7. And your money is on its way!

Depending on the beneficiary's location, delivery options include cash pickup, bank transfer, or home delivery. This speed of delivery is fast as it provides either the same day or next business day delivery options for international money transfer.

How to Track Walmart2World money transfers

To track Walmart2World money transfers or money sent through the MoneyGram network. You can use the Track a Transfer tool to keep track of your transfers. You just need to enter your Last name and the Reference number. In case of any issues with Walmart2World, call MoneyGram at 1-800-926-9400.

Fees of Walmart2World

Transfer fees of Walmart2World vary depending on the transfer amount;

  • $4 for up to $50
  • $8 for $51 to $1000
  • $16 for $1001 to $2500

And if you are paying by a credit or a debit card, your bank may levy additional charges.

Opening hours of Walmart Money Transfer

Walmart MoneyGram hours are usually 8 a.m. to 8 p.m. from Monday through Saturday and 10 a.m. to 6 p.m. on Sundays. Actual hours may vary from store to store.

Walmart Western Union

You can avail Western Union services at participating Walmart stores to get 5% off on standard fees. Western Union is similar to MoneyGram, with a network of 500,000 agent locations in 200 countries and territories worldwide from which to send and receive money internationally.

Walmart Money Order

You can also send Walmart money orders through a Walmart Supercentre. The fees may vary depending on the location but $0.88 is the maximum fee. Although the fees may seem attractive, Money orders are outdated and it may take several days if not weeks for the recipient to receive the money.

Walmart Money Order hours are 8 a.m. to 8 p.m. Monday through Saturday and 10 a.m. to 6 p.m. Sunday, but the exact time may vary depending on the store location.

How to send money from a Walmart Store

Find and visit your local Walmart store by searching for "Walmart Money Center near me". Make your way to the Customer Service Desk or Money Services Center. Walmart's money transfer service hours are 8 a.m. to 8 p.m. from Monday through Saturday and 10 am-6pm on Sundays.

What information Walmart will need for money transfer services?

Walmart will require you to provide photo identification when sending or receiving money. This includes:

  • US Drivers' License, including Puerto Rico
  • State ID, including Puerto Rico
  • US Passport
  • International Passport
  • Military ID
  • US Permanent Resident Card
  • Tribal ID
  • Mexican Matricula Consular

Only valid government-issued photo identification that is not damaged or expired will be accepted.

How to send money through Walmart's mobile application

Mobile App

Walmart provides a mobile application available in both Android and Apple stores that includes money transfer services

  1. First, download the Walmart App
  2. Create an account and log in
  3. Go to Send Money Services
  4. Choose to Send
  5. Complete filling all the required details
  6. You can now head over to your local Walmart store to complete the transaction at the Express lane of the Money Services Center or Customer Service Desk
  7. Scanning the QR code on your App at the register
  8. And your money is on its way!

Pros of sending money through Walmart

Anecdotal positive customer review of Walmart Money Transfer is for its speed, usually within minutes.

Since Walmart rides on Moneygram's network and capabilities to facilitate money transfers, most reviews are on Moneygram as a service provider. Here is our complete review on Moneygram.

Walmart offers convenient money transfer options. It's easy to send money online internationally for both; cash pick-up or direct deposit to a bank account outside the United States. We recommend Walmart money transfer if you want to send money for an emergency or complete a small amount transaction during your grocery runs.

Cons of sending money through Walmart

While the fees of the actual money transfer are flat, there are other costs you should consider. For instance, sending money through Walmart requires you to be at the store to complete your transaction. This may not be your best option if you want to opt for money transfer services exclusively.

In addition to your gas cost and time of driving to a Walmart near you, back and forth, the fees are high compared to other specialist money transfer service providers.

Alternatives to Walmart Money transfer

In Walmart's latest annual report, less than 1 percent of annual net sales came from fuel and financial services, which includes money transfers. Compare that to specialist money transfer service providers who have built their business to facilitate money transfer service.

You are more likely to get better exchange rates, lower to zero fees, and a convenient option of sending money through a specialist money transfer service provider. Here are a few convenient and cheap alternatives to Walmart Money Transfer:

When you are sending money, look out for the exchange rates, transfer fees, and the time taken to complete your transfer. Compare the various money transfer service providers side-by-side for free on CompareRemit.

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