Yes, you can send money from Walmart to a bank account using Walmart2Walmart or MoneyGram
Walmart offers two main ways to move money from a Walmart location into someone's bank account. The first is Walmart2Walmart, which lets you send money directly to another person's bank account through Walmart's own system. The second is MoneyGram, a money transfer service available at Walmart counters that also deposits into bank accounts. Both work, but they differ in cost, speed, and who can receive the money.
The key difference: Walmart2Walmart is cheaper and faster for transfers within the United States, but MoneyGram reaches more countries if you're sending money abroad. If you're sending domestically to someone with a U.S. bank account, Walmart2Walmart is usually the better choice.
Key Takeaways
- Walmart2Walmart transfers money directly to a recipient's bank account and typically costs $2 to $15 depending on the amount, with delivery in minutes to a few hours.
- MoneyGram at Walmart charges higher fees but works for international transfers and can deposit into bank accounts in over 200 countries and territories.
- You need the recipient's full name, bank account number, and routing number to complete either transfer.
- Both services require you to pay in cash or debit card at a Walmart Money Services counter; you cannot initiate the transfer online or by phone.
How Walmart2Walmart works and what it costs
Walmart2Walmart is Walmart's own money transfer network. You go to a Walmart Money Services desk, hand over cash or use a debit card, and provide the recipient's bank details. The money moves into their account within minutes to a few hours, depending on their bank's processing speed.
Fees range from $2 for transfers under $50 to $15 for amounts over $900. The exact fee depends on how much you send. You pay the fee at the counter on top of the transfer amount—so if you send $500 with a $5 fee, you hand over $505 total. The recipient receives the full $500 in their account; the fee does not come out of what they get.
Walmart2Walmart only works for transfers within the United States. Both the sender and recipient must have U.S. bank accounts, and the recipient's bank must participate in the network (most major banks do, but some smaller regional banks or credit unions may not).
How MoneyGram at Walmart works and what it costs
MoneyGram is a separate money transfer company that operates service desks inside Walmart locations. Like Walmart2Walmart, you pay cash or use a debit card at the counter. MoneyGram can deposit money into bank accounts in the United States and internationally—over 200 countries and territories.
MoneyGram fees are higher than Walmart2Walmart. For a $500 domestic transfer, you might pay $10 to $20 depending on the delivery speed you choose. International transfers cost more—often $15 to $50 or higher for the same amount, depending on the destination country. You pay the fee upfront at the counter.
MoneyGram also offers faster delivery options. Standard delivery takes one to two business days; express delivery (available for domestic transfers) can be as fast as minutes to a few hours, but costs extra. If you are sending money abroad, MoneyGram is often the only option available at Walmart, since Walmart2Walmart does not operate internationally.
What information you need to complete a transfer
To send money to someone's bank account through either service, you must provide the recipient's banking details at the Walmart counter. Have the recipient give you this information before you go to Walmart, because you cannot complete the transfer without it.
You need: the recipient's full legal name (exactly as it appears on their bank account), their bank account number, and their bank's routing number. The routing number is a nine-digit code that identifies the specific bank or credit union. If the recipient does not know their routing number, they can find it on a check, call their bank, or look it up online using their bank's name.
You will also need to provide your own identification at the counter. Bring a government-issued ID such as a driver's license or passport. The Walmart Money Services associate will verify your identity before processing the transfer.
How long the money takes to arrive
Walmart2Walmart transfers typically arrive within minutes to a few hours. The exact timing depends on the recipient's bank and whether the transfer is processed during business hours. A transfer sent on a weekday morning might land in the account by afternoon; one sent on a Friday evening might not clear until Monday morning.
MoneyGram standard transfers take one to two business days. If you choose MoneyGram's express option for a domestic transfer, it can be as fast as Walmart2Walmart—sometimes within minutes. International MoneyGram transfers typically take one to three business days, depending on the destination country and whether the recipient's bank processes transfers on weekends.
Neither service guarantees a specific arrival time. If the money does not arrive within the stated window, contact the service (Walmart or MoneyGram) with your transfer confirmation number, which you receive at the counter. Keep this number until the money arrives.
Comparing Walmart2Walmart and MoneyGram side by side
| Feature | Walmart2Walmart | MoneyGram at Walmart |
|---|---|---|
| Domestic transfers (U.S. to U.S.) | Yes | Yes |
| International transfers | No | Yes (200+ countries) |
| Typical fee ($500 transfer) | $5 | $10–$20 |
| Typical delivery time | Minutes to a few hours | 1–2 business days (standard); minutes to hours (express) |
| Payment method | Cash or debit card | Cash or debit card |
| Where to send from | Walmart Money Services desk | MoneyGram desk at Walmart |
What happens if the transfer fails or the recipient's account is wrong
If you provide an incorrect account number or routing number, the transfer may be rejected by the recipient's bank and returned to Walmart. The money does not disappear—it comes back, but the process can take several business days. You will need to contact Walmart or MoneyGram with your confirmation number to initiate the refund.
If the recipient's bank account is closed or frozen, the transfer will be rejected. Again, the money returns to Walmart, and you can pick it up or request a refund. This is why it is important to confirm the recipient's account details before you go to the counter.
If you realize you made a mistake when ready after the transfer, tell the Walmart associate right away. Some transfers can be stopped or reversed if caught within minutes, but once the money has been sent and accepted by the recipient's bank, it cannot be recalled. Always double-check the account number and routing number before you hand over your cash.
Frequently Asked Questions
Can I send money to a bank account if I do not have a Walmart near me?
Walmart2Walmart only works at Walmart locations. If there is no Walmart nearby, you would need to use a different service like Western Union, a bank wire, or an online money transfer service. MoneyGram is also available at other retailers and locations beyond Walmart, so you might find a MoneyGram agent elsewhere in your area.
What is the maximum amount I can send in one transfer?
Walmart2Walmart limits vary but typically allow up to $900 per transaction. MoneyGram limits also vary by destination and delivery method. Ask the associate at the counter what the limit is for your specific transfer, or check Walmart's website for current limits.
Do I need the recipient to be present at Walmart to receive the money?
No. With both Walmart2Walmart and MoneyGram, the money goes directly into the recipient's bank account. They do not need to go anywhere or do anything—the deposit happens automatically once the transfer clears. They will see the money in their account balance.
Can I send money to a savings account, or only a checking account?
You can send to either a savings account or a checking account. The routing number and account number work the same way for both. Just make sure you have the correct account number for whichever account the recipient wants the money in.
What if I want to send money but the recipient does not have a bank account?
Neither Walmart2Walmart nor MoneyGram will work without a bank account on the receiving end. You would need to use a different service, such as a cash pickup option at MoneyGram or Western Union, where the recipient can collect the money in person at an agent location instead of having it deposited into an account.