How to send money with Walmart to Walmart & Walmart to World

With more than 10,000 locations worldwide, Walmart serves hundreds of millions of customers annually and holds the title of the world's largest retailer. However, many are unaware that, in addition to groceries and everyday essentials, Walmart also offers money transfer services.

Having a dependable way to transfer money is crucial, whether you're sending funds to loved ones, handling bills, or making business payments. Walmart provides a safe and accessible option for both domestic and international transfers.

In this guide, we'll break down everything you need to know—from how to send money through Walmart to understanding Walmart to Walmart transfer fees, along with tips to help you cut costs and make the most of your transfers.

What is Walmart2Walmart?

Walmart2Walmart is Walmart's domestic money transfer service that allows customers to send money between Walmart store locations across the United States, including Puerto Rico and Mexico. The service is powered by Ria Money Transfer and is a popular option for people looking to send smaller amounts quickly and affordably. 

Walmart2Walmart transfers can be initiated in-store, online, or through the Walmart app, with most funds available for pickup within minutes at any participating Walmart location.

What is Walmart2World?

Walmart2World is Walmart's international money transfer service, enabling customers to send to over 200 countries and territories worldwide. 

MoneyGram powers this service. And unlike Walmart2Walmart, which is limited to domestic and near-border transfers, Walmart2World lets you send funds abroad for cash pickup, bank deposit, or mobile wallet delivery (where available). 

Transfers can be initiated in-store, online at Walmart.com, or via the Walmart mobile app. Delivery times vary depending on the country, payment method, and payout option selected.

Walmart money transfer features

One of the biggest reasons people choose Walmart for money transfers is convenience. It's easy to find nearby stores, with thousands of Walmart locations across the USA. Since many customers already shop at Walmart for everyday essentials, sending money can be a quick add-on to an existing trip—no extra stops required. 

Walmart also offers competitive Walmart to World and Walmart to Walmart transfer fees. Most transfers are processed within minutes, and the service is highly flexible. You can send money in-store, online, or through the Walmart mobile app, providing multiple options to complete a transfer based on your preference and schedule.

How to send money with Walmart2Walmart

As noted earlier, transfers can be initiated in-store, online, or via the Walmart2Walmart mobile app.

In-store transfers

1. Visit your nearest Walmart and go to the Money Services Center or Customer Service Desk.

2. Tell the associate you want to use Walmart2Walmart and provide the following:
   - Your name and contact info
   - Recipient's full name
   - City and state of the destination
   - Transfer amount

3. Show a valid government-issued photo ID.

4. Pay with cash, a debit card, or a credit card.

5. You'll receive a reference number that you can share with the recipient so they can pick up the money.

Online transfers

1. Log in to your Walmart account or create one.
2. Navigate to Money Transfers under the Financial Services section. Note that the menu may be slightly different depending on your region.
   

3. Look for "Money Transfer" and select either "Send Now" or "Get Started."

4. Enter the transfer amount and receiver country or destination details.
   

5. Review the info and make the payment using a debit or credit card.

6. You'll get a confirmation email with a reference number for the recipient.

Mobile app transfers

1. Download and open the Walmart2Walmart app.
2. Log in or register for an account.
3. Tap "Send Money" and choose the destination country.
4. Enter the amount and sender and recipient info.
5. Confirm the details and pay using a linked debit card, credit card, or bank account.
6. Receive a reference number and share it with your recipient.

Transfers are usually available for pickup within minutes.

How to send money with Walmart2World

Walmart2World enables international money transfers to over 200 countries and territories. Like domestic transfers, you can send money in-store, online, or via the official Walmart mobile app. Note that you cannot use the Walmart2Walmart app to send international transfers.

In-store transfers

1. Visit a Walmart store and proceed to the Money Services Center or Customer Service Desk.
2. Provide:
   - Your contact info
   - Recipient's full name and address
   - Destination country
   - Amount to send
   - Preferred delivery method (e.g., cash pickup, bank deposit, mobile wallet)
3. Show a government-issued photo ID.
4. Pay with cash, debit, or credit card.
5. Receive a tracking number and share it with the recipient.

Online transfers

1. Log in to your Walmart account or create one.
2. Go to the Money Transfers section.
3. Choose "Send Money" or "Get Started."
4. Input the sending amount and recipient location.
5. Review everything and pay using a debit card or credit card.
6. You'll receive a tracking number to provide to your recipient.

Mobile app transfers

Although there isn't a standalone Walmart2World app, you can use the official Walmart mobile app to send money internationally through Walmart2World.

1. Download and open the Walmart app on your smartphone.
2. Sign in or create an account if you don't already have one.
3. Navigate to "Services" and select "Money Transfers."
4. Choose "Walmart2World" to initiate an international transfer.
5. Enter the sender and recipient details, including the transfer amount, destination country, and preferred delivery method (e.g., cash pickup, bank deposit, mobile wallet).
6. Review the information and complete the payment with debit, credit, or bank account.
7. Get a tracking number to share with the recipient for pickup.

While funds are often available within minutes, timing may vary depending on the country and method of delivery.

Walmart to Walmart money transfer fees

The fees for sending money with Walmart2Walmart and Walmart2World depend on several factors, including your transfer amount, delivery method, and whether the transfer is domestic or international.

Generally, the larger the amount you send, the higher the fee will be. The transfer method also matters as fees may differ between in-store and online transactions.

International transfers through Walmart2World often come with higher fees due to additional processing and currency exchange costs.

Domestic transfer fees

For domestic transfers using Walmart2Walmart, fees are typically:
 

Money transfer amount	Estimated Walmart2Walmart fee range
Up to $50	$4–$7.50 depending on the payment method and delivery type (lowest with a debit card to a bank; highest with credit card or cash pickup)
$51 to $100	$5–$19 depending on options; debit card to bank as low as $1.89, credit card with cash pickup up to $18.49
$101 to $500	$7–$83; debit card transfers to bank average around $8.99, while credit card payments with cash pickup can reach $83.49
$501 to $1,000	$10–$90 depending on how you pay and receive; direct deposit is cheaper, credit + cash pickup is much higher
$1,001 to $2,500	$25–$190+ especially for credit card + cash pickup transactions

For the lowest fees, debit card to bank account transfers tend to be the most affordable option. Cash pickup—while fast—is typically the most expensive option.

Keep in mind that Walmart isn't the only option. Other money transfer providers, such as BOSS Money, offer competitive domestic transfer services.

Walmart to World international money transfer fees

Walmart charges the same standard fees for both domestic and international money transfers. Whether you're using Walmart2Walmart or Walmart2World, you can expect base fees along the following lines.

• Up to $50: Expect to pay around $4–$7.50, depending on whether you use a credit card, debit card, or choose cash pickup.

• $51 to $100: Fees generally range from $5 to $19, with debit card payments as low as $1.89 and cash pickup reaching up to $18.49 if using a credit card.

• $101 to $500: Expect to pay between $7 and $83, depending on your payment and delivery method. Debit card transfers to bank accounts typically cost around $8.99, while credit card payments with cash pickup may incur a fee of up to $83.49.

• $501 to $1,000: Fees typically range from $10 to $90. Debit card and direct deposit options remain the most affordable, while credit card payments with cash pickup incur significantly higher costs.

• $1,001 to $2,500: You can pay anywhere from $25 to nearly $190, especially if you use a credit card or select cash pickup.

With Walmart2World, it's also essential to factor in exchange rate variations and currency conversion fees, which can affect the total cost of your transfer. These considerations also apply to international transfers processed through Walmart2Walmart, such as sending money to Mexico.

While Walmart provides broad access and convenience, it's not always the most affordable option. Services like BOSS Money often provide better exchange rates and lower overall fees, especially for larger international transfers. Most competitors calculate fees either as a flat rate, a percentage of the transfer amount, or based on the delivery method.

Here are some popular destinations and the associated fees:

Location	BOSS Money	Xoom	Sendwave
Mexico	$0 fee on first 5 transfers. Fees vary afterward by delivery method and payment type.	$0.49 (debit card), $2.29 (credit card) for $50 transfers. Exchange rate markup applies.	$0 fees for transfers to Mexico.
Venezuela	$0 fees for transfers to Venezuela.	Not available	Not available
Nigeria	$0 fees for transfers to Nigeria	Not available	$0 fees for transfers to Nigeria

Keep in mind that even with low transfer fees, exchange rates can fluctuate. One month, your $100 might convert to 1,900 Mexican Pesos and the next, it could be closer to 1,600 — all depending on market conditions.

Also, remember that you can use Walmart2Walmart to send money to Mexico instead of Walmart2World.

Limits for Walmart money transfers

While Walmart offers a convenient way to send money, there are limits in place depending on the type of transfer. These restrictions are designed to enhance security and help protect users from fraud and scams.

Domestic transfer limits

For Walmart2Walmart transfers within the USA, the minimum amount you can send is $1.

The standard maximum limits are:

• $2,500 per day

• $6,000 per month

However, these limits may vary depending on factors such as your location, payment method, and transfer history.

International transfer limits

With Walmart2World, the international transfer limit is generally $2,500 per transaction. However, the actual limit depends on the destination country, your payment method, and the location from which you're sending.

If you need to send more than the daily or monthly cap allows, you can either split the transaction across multiple days or consider a provider with more flexible limits, such as BOSS Money.

How to receive money sent through Walmart

Receiving a money transfer through Walmart is straightforward as long as you have the correct reference number. Here's the typical process.

1. Wait for Confirmation: Once the sender completes the transfer, they should provide you with a reference number.

2. Visit a Walmart Store: Head to any Walmart location with a Money Services center.

3. Bring ID: Be sure to bring a valid, government-issued photo ID.

4. Provide the Reference Number: Give the associate the reference number from the sender.

5. Answer Security Questions (if needed): In some cases, you may be asked to answer a security question set by the sender.

6. Choose a Payout Method: You can usually receive the funds in cash or have them loaded onto a Walmart MoneyCard.

Once everything checks out, sign for the transfer and receive your funds.

For international transfers via Walmart2World, the process is similar. However, not all destination countries have Walmart stores. In those cases, you'll need to visit a local MoneyGram agent to collect the funds. Sometimes, this may still be a Walmart, but often, it's another authorized location.

How to track money sent through Walmart

Tracking your Walmart money transfer is simple and can be done in several convenient ways. If you prefer in-person support, you can visit any Walmart store with a Money Center and provide the transfer reference number for real-time updates. For digital users, the Walmart2Walmart mobile app allows you to log in and view your transfer status in just a few taps. 

You can also use the Ria Money Transfer tracking web page to check your transaction—just enter your PIN or order number. If you need additional help, Ria customer support is available by phone at 1-855-355-2144 or via email at customer.service@riafinancial.com.

How Walmart keeps your money transfers secure 

Walmart places a strong emphasis on security, making it a trusted choice for money transfers. To help prevent fraud, all transfers—whether domestic or international—require a valid government-issued photo ID from the recipient.

For online and mobile transactions, Walmart uses encrypted technology to safeguard your information. Transactions are actively monitored for suspicious or unusual activity, providing an extra layer of protection.

Walmart also maintains full compliance with key financial regulations, including the Bank Secrecy Act and the USA PATRIOT Act. These laws prevent money laundering and ensure the safe and transparent operation of financial transactions.

Conclusion

Walmart is a solid option for domestic money transfers within the US. It’s a fast and convenient way to send or receive cash in person. However, if you want lower fees, more flexible limits, or faster digital options, platforms like BOSS Money offer better value.

Sources: all third party information obtained from applicable website as of June 05, 2025

1. https://www.walmart.com/cp/international-money-transfers/8169393
2. https://www.walmart.com/cp/online-money-transfers/1089406
3. https://www.statista.com/statistics/266595/leading-retailers-worldwide-based-on-revenue/
4. https://corporate.walmart.com/news/2016/10/25/walmart-delivers-lowest-prices-ever-for-domestic-money-transfers
5. https://www.xoom.com/en-us/usd/send-money/transfer/select-country
6. https://www.sendwave.com/en-us
7. https://play.google.com/store/apps/details?id=com.walmart.moneytransfer&hl=en_US

This article is provided for general information purposes only and is not intended to address every aspect of the matters discussed herein. The information in this article is not intended as specific personal advice. The information in this article does not constitute legal, tax, regulatory or other professional advice from IDT Payment Services, Inc. and its affiliates (collectively, “IDT”), and should not be taken or used as such by any individual. IDT makes no representation, warranty or guaranty, whether express or implied, that the content in this article is current, accurate, or complete. You should obtain professional or other substantive advice before taking, or refraining from, any action on the basis of the information in this article.