How Does Walmart Money Transfer Work?

How Does Walmart Money Transfer Work, August 2021

Walmart is a fast, secure, and reliable money transfer platform both in the US and to over 200 countries and territories. It is one of the biggest international money transfer services in the world.

It offers easy and quick money transfer services locally in the US including Puerto Rico as well as internationally. Walmart money transfer has become one of the most sought-after money transfer services currently.

But have you ever asked yourself how this giant electronic money transfer works? Worry no more. In the following informative article, I’m going to diffuse some of the important features of Walmart money transfer and how it operates. Let’s dive into this right away.

What’s Walmart Money Transfer?

Walmart Money Transfer is an online money transfer offered by Walmart to enable its clients to easily send money within the US and internationally.

It allows you to send money to friends and family members and offers cheap and reasonable charges. It is also convenient and fast.

How To Send Money Using Walmart Money Transfer Service?

You can send money conveniently using the Walmart platform through its agent stores or online using a mobile app or desktop. You can start a transaction online and complete it at the Walmart store. Walmart offers three ways in which you can send and transfer money:

1. Walmart2Walmart

This service allows you to send money domestically within the US. This service is powered by Ria which is a secure international money transfer. And how does it work? It is pretty simple:

A customer walks into the Money Center of a Walmart store within the US. And if you may not be aware, there over 5,000 of these stores in the US alone.

Then, you fill in the customer details form like name, the amount you would like to send, the recipient and destination state, or county. You can use a debit card with a PIN or U.S. currency to make the payment.

Walmart will then wire the money to the intended recipient. The money should be available on the other side in just a few minutes.


1. You can start the transaction in the Walmart App and finalize in-store.

2. Both you and the beneficiary will need to have photographic identification.

3. The recipient can pick the cash up at any store in the specified state within a few minutes.

2. Walmart2World

You can use Walmart2World service to send money internationally to over 200 countries and territories. This is because Walmart partnered with MoneyGram way back to offer this service.

You don’t have to worry about getting paid after doing business with clients from other countries since the MoneyGram network is widespread worldwide.

3. MoneyGram

Walmart lets you send money using the MoneyGram network. You can send money domestically or internationally conveniently and cheaply too.

You can send money to well over 200 countries and territories including within the US. This service works fast using the MoneyGram network and it is very efficient.

How To Start A Transaction In The App?

  1. 1
    First, you need to download the Walmart App and create your account.
  2. 2
    Select Money Services from the main page of the Walmart App.
  3. 3
    Then choose to Send, Receive, or Pay Bill.
  4. 4
    Enter the details.
  5. 5
    From there proceed to the local store to complete your transaction.
  6. 6
    Here, go to the Money Center or customer service desk (use the Express Lane). Once at the register access your prepared transaction from the app by scanning the QR code on the debit reader

How Much Can You Send?

With Walmart’s money transfer service, you can send up to $2500 in a single transfer. However, there is a maximum limit of $6000 the amount of money you can transact within 30 calendar days.

How Much Will It Cost You For The Money Transfer?

Walmart charges differently depending on whether you want to transfer money locally in the US or internationally.

For instance, it will cost you $4 using Walmart2Walmart service for the first $50 and $8 from $51 to $1000.

Then, you are charged $16 for sending $1001 to the limit of $2500.

While using the Walmart2World (powered by MoneyGram ) or MoneyGram, you’ll be charged the transfer fee plus the conversion fee. Thus, you pay the amount to be transferred plus the transfer fees and conversion charges as per the current exchange rate.


It’s a good idea to compare the exchange rate available using MoneyGram with the rates offered by other money transfer companies.

How Long Does It Take Walmart To Transfer Money?

It will take a few minutes to transfer money from one location to another using a Walmart money transfer service. The Walmart2Walmart ensures the recipient can pick up the money on the other side immediately. For international transfers, it will take up to a one-day waiting period.

How Can Recipients Receive Money?

The money you send to your recipient can be transferred in different ways:

  • You can have the money delivered right to your address .i.e. home delivery.
  • Through a bank account deposit.
  • The money can be transferred to your debit card.
  • Cash pick up whereby the recipient picks up the cash from a Walmart store in person.
  • Money transfer can be collected via a mobile wallet and withdrawn using the Walmart mobile app.

As you can see the ways to receive cash are many. What matters is the customers’ choice.

Bottom Line

Walmart’s money transfer lets you send money domestically within the US or wire money internationally. It is very secure, fast, and convenient.

Its charges are also cheap and the good news is that you can start a transaction from the comfort of your home using the mobile app or desktop.

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