Need to send money fast? Walmart to Walmart money transfer is one of the easiest ways to transfer cash across the U.S. It’s quick, secure, and available at thousands of Walmart locations. With just a few steps, you can send funds to family or friends, and they can pick up the money within minutes. Whether you’re paying bills, helping a loved one, or covering an emergency, this service offers a low-cost alternative to traditional banking transfers.
Unlike other services, Walmart’s transfer system is powered by Ria Money Transfer, ensuring fast processing and competitive fees. Plus, you don’t need a bank account just cash or a debit card. If you’re looking for an easy way to send money online or in-store, Walmart to Walmart is a reliable option with nationwide coverage.
What Is Walmart to Walmart Money Transfer?

Walmart to Walmart money transfer is a fast and secure way to send cash between any two Walmart locations in the United States, including Puerto Rico. Powered by Ria Money Transfer, this service allows customers to send funds in minutes without needing a bank account.
How It Works
- Visit any Walmart store or use the Walmart to Walmart money transfer online service via the Walmart app.
- Provide the recipient’s details, including their name and the store location where they will pick up the money.
- Choose the amount you want to send.
- Pay the transfer fee and receive a tracking number to share with the recipient.
- The recipient visits their nearest Walmart MoneyCenter and provides the tracking number along with a valid ID to collect the money.
Key Benefits of Walmart to Walmart Transfers
✔ Instant Processing: Most transfers are completed within 10 minutes.
✔ Low Fees: Competitive pricing compared to banks and wire transfers.
✔ No Bank Account Needed: Send and receive cash with ease.
✔ Widespread Availability: Available at thousands of Walmart locations across the country.
✔ Secure Transactions: Backed by Ria, ensuring encrypted and fraud-protected transfers.
For those looking for a hassle-free, low-cost, and fast way to send money, Walmart’s transfer service is one of the best options. Whether you’re supporting family or covering urgent expenses, this service ensures your money gets where it needs to go—fast.
How to Send Money from Walmart to Walmart
Sending money with Walmart to Walmart money transfer is quick and straightforward. You can transfer funds by visiting a Walmart store or using Walmart to Walmart money transfer online through the Walmart app.
Step-by-Step Guide to Sending Money
Visit a Walmart Store or Use the Walmart App
- Go to the MoneyCenter or customer service desk at any Walmart location.
- For online transfers, open the Walmart app and navigate to the money transfer section.
Provide the Recipient’s Details
- Enter the full name of the recipient as it appears on their government-issued ID.
- Select the Walmart store where the recipient will pick up the money.
Choose the Transfer Amount
- Enter the exact amount you want to send.
- Walmart offers different transfer limits, so confirm the maximum allowed for your location.
Pay the Transfer Fee
- Pay using cash, a debit card, or a Walmart MoneyCard.
- Fees vary based on the amount and location, but Walmart’s pricing is competitive compared to banks and wire transfers.
Receive the Reference Number
- After completing the transaction, you will receive a unique tracking number.
- Share this number with the recipient, as they will need it to collect the funds.
How Long Does It Take?
Most Walmart to Walmart transfers are completed within minutes typically under 10 minutes. If there are delays, they are usually due to store hours, verification issues, or high transfer volumes.
How to Receive Money from Walmart to Walmart
Receiving a Walmart to Walmart money transfer is simple. Once the sender completes the transfer, the recipient can pick up the cash at any Walmart store in the U.S. or Puerto Rico.
Step-by-Step Guide to Receiving Money
Visit a Walmart Store
- Go to the MoneyCenter or customer service desk at the selected Walmart location.
- Transfers can only be picked up at Walmart stores—not online.
Provide the Reference Number
- The sender will give you a unique tracking number.
- This number is required to verify the transaction.
Show a Valid ID
- You must present a government-issued photo ID that matches the name on the transfer.
- Acceptable IDs include a driver’s license, passport, or state-issued identification card.
Receive Your Cash
- Once verified, you will receive the money instantly.
- No additional fees are required for pick-up.
Important Notes for Receiving Money
✔ Check store hours: Walmart MoneyCenters may have different operating hours than the store itself.
✔ Pick up on time: Transfers must be collected within 90 days, or they may be canceled.
✔ Ensure accuracy: The recipient’s name must match the ID exactly to avoid delays.
Walmart to Walmart Money Transfer Fees & Limits
Walmart to Walmart money transfer is an affordable way to send cash quickly. Fees depend on the transfer amount, location, and payment method. Understanding the costs and limits helps you plan your transfers efficiently.
How Much Does It Cost?
Walmart charges a fixed fee based on the amount sent. Here’s a general breakdown:
- $4 fee for transfers up to $50
- $8 fee for transfers between $51 and $1,000
- $16 fee for transfers from $1,001 to $2,500
These rates apply to most locations, but fees may vary slightly based on store policies or promotions.
Walmart to Walmart Money Transfer Limits
There are minimum and maximum transfer limits per transaction:
- Minimum transfer amount: $10
- Maximum per transaction: $2,500
- Daily transfer limit: $6,000 (varies by state and location)
For higher amounts, you may need to split transfers into multiple transactions.
Factors Affecting Transfer Fees
Several factors can impact the cost of a Walmart to Walmart money transfer online or in-store:
✔ Transfer Amount – Higher amounts come with higher fees.
✔ Sender’s Location – Fees may differ slightly based on state regulations.
✔ Payment Method – Paying with a debit card or cash does not affect the fee, but credit cards may not be accepted.
✔ Recipient Location – Some Walmart stores may have different fee structures.
Walmart Money Transfer via Mobile App
Sending money through the Walmart app is a convenient way to complete a Walmart to Walmart money transfer online without visiting a store. This method allows users to send funds anytime, track transactions, and avoid waiting in line.
How to Send Money Using the Walmart App
Download and Open the Walmart App
- Available for iOS and Android devices.
- Sign in or create a Walmart account if you don’t have one.
Navigate to the Money Transfer Section
- Tap on “Services” and select “Send Money” under Money Transfers.
- Choose “Walmart to Walmart powered by Ria.”
Enter Recipient Details
- Provide the full name of the recipient exactly as it appears on their ID.
- Select the Walmart store where the recipient will pick up the money.
Enter the Transfer Amount
- Choose the amount you want to send.
- The app will display the exact fee before confirming.
Select a Payment Method
- Pay using a debit card, Walmart MoneyCard, or linked bank account.
- Credit cards are not accepted for money transfers.
Confirm and Send
- Review the transaction details for accuracy.
- Once confirmed, you will receive a tracking number (MTCN) to share with the recipient.
Benefits of Using the Walmart App for Money Transfers
✔ Fast and Easy – Send money in minutes without visiting a store.
✔ Lower Fees – Some transactions may have reduced fees when completed online.
✔ 24/7 Access – Transfer money anytime, even outside store hours.
✔ Transaction Tracking – Monitor your transfers and confirm pickup status.
Security and Tracking Features
- End-to-End Encryption – Protects financial and personal data.
- Instant Notifications – Get real-time updates on your transfer status.
- Fraud Protection – Walmart’s system flags suspicious transactions for extra security.
How Long Does a Walmart to Walmart Money Transfer Take?
A Walmart to Walmart money transfer is typically completed within 10 minutes, making it one of the fastest ways to send money. However, the actual processing time may vary based on several factors.
Processing Time for Walmart Transfers
- In-Store Transfers: Most transfers are processed instantly and available for pickup within 10 minutes after payment.
- Walmart to Walmart Money Transfer Online: Transfers made through the Walmart app may take a few minutes longer, depending on verification.
When Are Funds Available for Pickup?
- Funds are usually ready for pickup within 10 minutes of sending.
- The recipient must visit a Walmart MoneyCenter or customer service desk during business hours to collect the funds.
- Transfers sent after store hours will be available when the MoneyCenter reopens.
What Can Cause Delays?
Although Walmart processes transfers quickly, some factors can slow down the transaction:
✔ Incorrect Recipient Information: If the name on the transfer does not match the recipient’s ID, they won’t be able to collect the money.
✔ Store Operating Hours: MoneyCenters may have different hours than Walmart stores, delaying pickup times.
✔ High Transaction Volume: Transfers may take longer during peak hours, holidays, or weekends.
✔ Security Checks: Walmart’s system may flag a transfer for verification, causing slight delays.
✔ Payment Issues: Using a debit card or Walmart MoneyCard is usually faster, while payment verification for online transfers may take extra time.
Walmart to Walmart vs. Other Money Transfer Options
When choosing a money transfer service, it’s important to compare Walmart to Walmart money transfer with other popular options like Western Union, MoneyGram, and PayPal. Here’s how Walmart stacks up against the competition.
Walmart to Walmart vs. Western Union
✔ Faster Transfers: Walmart transfers are typically completed within 10 minutes, while Western Union may take several hours depending on the service type.
✔ Lower Fees: Walmart offers flat fees ($4, $8, or $16), while Western Union’s fees vary by location and amount.
✔ Limited to the U.S.: Walmart only allows transfers within the U.S., whereas Western Union supports international money transfers.
Walmart to Walmart vs. MoneyGram
✔ More Affordable: Walmart’s fixed pricing is often cheaper than MoneyGram’s variable fees.
✔ Instant Pickup: Walmart transfers are ready in minutes, while some MoneyGram transactions can take longer for verification.
✔ Online and In-Store: Both services offer in-person and online transfers.
Walmart to Walmart vs. PayPal
✔ Cash Pickup: Walmart allows cash transfers, while PayPal requires the recipient to have a PayPal account.
✔ Lower Transfer Limits: Walmart has a $2,500 per transaction limit, while PayPal allows higher transfer amounts but may take 1–3 days to process bank withdrawals.
✔ No Bank Required: Walmart transfers work with cash payments, while PayPal requires a linked bank account or card.
Which Option is Best?
- Choose Walmart to Walmart money transfer online or in-store if you need fast, low-cost, and cash-based transfers within the U.S.
- Use Western Union or MoneyGram for international transfers.
- Select PayPal for digital transfers with bank integration.
Is Walmart to Walmart Money Transfer Safe?
Walmart to Walmart money transfer is a secure and reliable way to send money. The service is powered by Ria Money Transfer, which follows strict security protocols to protect transactions and prevent fraud.
Security Measures in Place
✔ Encrypted Transactions: All transfers use bank-level encryption to protect financial and personal details.
✔ ID Verification: Recipients must provide a government-issued ID and the correct tracking number to receive funds.
✔ Fraud Monitoring: Walmart’s system flags suspicious transactions and may require additional verification.
✔ Transaction Tracking: Senders receive a reference number to monitor the status of their transfer in real-time.
How to Avoid Scams & Fraud
- Only send money to trusted individuals. Scammers often pose as relatives, charities, or businesses asking for urgent payments.
- Verify recipient details. Ensure the recipient’s name and Walmart location match exactly before confirming a transfer.
- Ignore unexpected payment requests. Walmart does not call, email, or text users asking for money transfers.
- Beware of overpayment scams. If someone asks you to send money back after receiving funds, it could be a scam.
Walmart’s Customer Service Support for Disputes
If you experience issues or suspect fraud, contact Walmart Money Transfer Support immediately:
- Call Walmart’s customer service: 1-800-925-6278
- Visit a Walmart MoneyCenter for in-person assistance
- Check transfer status online using the Walmart app
Common Issues & How to Fix Them
Even though Walmart to Walmart money transfer is a fast and reliable service, occasional issues may arise. Here’s how to fix the most common problems.
Lost Reference Number – How to Retrieve It
The reference number (MTCN) is required for the recipient to collect funds. If you lose it:
✔ Check Your Receipt: If you made the transfer in-store, the reference number is printed on the receipt.
✔ Log Into the Walmart App: If you used Walmart to Walmart money transfer online, the transaction details, including the reference number, are stored in your account.
✔ Visit the Walmart Store: Go to the MoneyCenter with your ID and payment receipt to request the number.
✔ Call Customer Support: Contact Walmart at 1-800-925-6278 and provide your details to recover the tracking number.
Delayed Transfer – Why It Happens & How to Fix It
If the recipient cannot pick up the money, these factors may be causing delays:
✔ Store Operating Hours: Walmart MoneyCenters have different hours than the store itself. Check the recipient’s store schedule.
✔ High Transfer Volume: Delays may occur on holidays, weekends, or during peak hours.
✔ Verification Hold: If Walmart’s system detects unusual activity, the transfer may be flagged for additional verification.
✔ Payment Processing Issues: If the sender’s debit card or payment method had issues, the transfer may be delayed or canceled.
How to Fix:
- Track your transfer status in the Walmart app or call customer support.
- Ensure the recipient visits a Walmart MoneyCenter during business hours.
- Verify that the payment was successfully processed before resending funds.
Incorrect Recipient Details – Steps to Correct an Error
If you entered the wrong name or Walmart location, the recipient may not be able to claim the money. Here’s what to do:
✔ Cancel the Transfer: If the transfer has not been picked up, go to Walmart or call customer support to request a cancellation. The money will be refunded.
✔ Resend with Correct Information: After cancellation, create a new transfer with the correct recipient details.
✔ Make Sure the Name Matches the ID: The recipient’s full legal name should exactly match their government-issued ID.
Walmart to Walmart Money Transfer Customer Support
If you experience issues with a Walmart to Walmart money transfer, customer support is available to assist with tracking, refunds, or disputes.
How to Contact Walmart for Money Transfer Issues
✔ By Phone: Call Walmart Money Transfer Customer Support at 1-800-925-6278.
✔ In-Store Help: Visit the Walmart MoneyCenter or customer service desk for immediate assistance.
✔ Online Support: Use the Walmart app or visit Walmart’s official website to check transfer status and report issues.
Phone & Online Support Options
- Track Transfer Status: Log into the Walmart app or website and enter the tracking number (MTCN).
- Report a Missing or Delayed Transfer: Contact Walmart support to investigate transaction delays.
- Recover a Lost Reference Number: Customer service can help retrieve it with valid ID and transaction details.
Refund Policies and Dispute Resolution
- Canceling a Transfer: If the recipient has not picked up the money, you can request a refund by calling customer support or visiting a Walmart store.
- Disputing an Incorrect Transfer: If the transfer details were entered incorrectly, Walmart may allow corrections or provide a refund.
- Fraud Prevention: If you suspect fraud, report it immediately to Walmart’s fraud department for investigation.
FAQs Everything You Need to Know
Can I send money to any Walmart store?
Yes, you can send money to any Walmart store in the U.S., including Puerto Rico. The recipient can pick it up at the MoneyCenter or customer service desk in their selected Walmart location.
What happens if the recipient doesn’t pick up the money?
If the recipient does not collect the money within 90 days, the transfer will be canceled automatically, and the funds will be refunded to the sender. Refunds are typically processed through the original payment method.
Can I cancel a Walmart to Walmart transfer?
Yes, you can cancel a transfer before the recipient picks it up. To cancel:
✔ In-Store: Visit the Walmart store where you made the transfer and request a refund.
✔ Online: If you used Walmart to Walmart money transfer online, log into the Walmart app or website and cancel the transaction.
✔ By Phone: Call Walmart Customer Support at 1-800-925-6278.
Does Walmart offer international money transfers?
No, Walmart to Walmart money transfer is only available for domestic transactions within the U.S. and Puerto Rico. However, Walmart partners with Western Union and MoneyGram for international money transfers.
Is there a way to track my transfer online?
Yes, you can track your transfer using the Walmart app or by visiting the Walmart Money Transfer tracking page. Enter the tracking number (MTCN) to check the transfer status. If you lost your tracking number, contact Walmart support for assistance.
Final Thoughts
Walmart to Walmart money transfer is one of the fastest, most affordable, and widely accessible ways to send money within the U.S. Whether you need to send cash to family, cover urgent expenses, or support a friend, this service ensures quick transfers with low fees.
For a reliable and hassle-free way to send money, Walmart to Walmart money transfer online or in-store remains a top choice for U.S. domestic transfers. Check your nearest Walmart MoneyCenter to send or receive money today.