The short answer is – yes! Walmart provides MoneyGram money transfer services at over 4,000 locations across the United States as of 2022.
I‘ll explain everything you need to know about using MoneyGram at Walmart in this detailed guide. I‘ve sent money domestically and internationally many times over the years so I‘ll share my first-hand experience and expertise with you.
A Quick Overview of Sending Money via MoneyGram at Walmart
Before we dive into the details, here‘s a quick rundown of what to expect:
- Available locations – Offered at over 4,000 Walmart stores nationwide
- Fees – As low as $1.99 for domestic, $8 for international
- Transfer limits – Up to $10,000 per transaction
- Countries served – Over 200 countries worldwide
- Transfer methods – In-store, mobile app, online
- Receive options – Cash pickup, direct to bank account
MoneyGram at Walmart provides an easy, affordable way to securely send money to friends, family, and businesses domestically or globally. The fees are very reasonable compared to services like banks and Western Union.
Now let‘s explore each aspect more in-depth! I‘ll make sure to provide plenty of details so you feel confident using MoneyGram.
Step 1 – Find a Walmart Location With MoneyGram
The first step is finding a Walmart store near you that offers MoneyGram services. The good news is most Walmarts have it!
There are over 4,615 Walmart locations in the United States according to their corporate website. MoneyGram is available in over 4,000 of those stores – so around 87% of all Walmarts.
That makes it super convenient to find a MoneyGram location near where you live or work. Walmart has stores in every state except Vermont, so there‘s likely one a short drive away.
Here are a few easy ways to find your nearest Walmart with MoneyGram:
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Search on MoneyGram‘s website – Just enter your zip code and select "Walmart" under Location Type.
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Call your local Walmart – The customer service desk can confirm if they offer MoneyGram.
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Check at the Customer Service desk – Go to any Walmart and ask if they provide MoneyGram money transfers.
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Ask Walmart employees – Associates can direct you to the MoneyGram service desk.
I‘d recommend calling ahead just to be sure, as some locations may not offer it or may have moved the service desk. Once you confirm your Walmart has MoneyGram, you‘ll know right where to go on transfer day.
Pro Tip: Make sure to check MoneyGram hours for that store location as they align with normal store hours. You want to go when MoneyGram is open to save yourself a wasted trip.
Step 2 – Understand the Fees and Limits
Once you‘ve identified a Walmart with MoneyGram, it‘s time to understand the costs and transaction limits. This allows you to set customer expectations if transferring money to others.
Here are the key things to know:
Transfer Fees
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Domestic: $1.99 per transfer
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International: $8 per transfer
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Additional Fees:
- 1% for transfers over $1,000
- Exchange rate fees apply for international transfers
The flat $1.99 or $8 fees cover transfers up to $1,000. So sending $900 domestically would only cost $1.99.
But if you wanted to send your child $5,000 for college costs, the fees would be higher:
- $8 flat international fee
- 1% of $5,000 is $50
- $58 total fee
Still very reasonable compared to traditional wire transfers that can cost $40-$75!
Transfer Limits
- Maximum per transaction – $10,000
- Maximum per month – No stated limit
So if you need to pay contractors or make large payments, you can send substantial amounts via MoneyGram. Just stick under the $10K transaction cap.
I once had to wire $8,000 to my niece overseas and MoneyGram at Walmart was by far the cheapest option.
The associate did warn transfers over $3,000 require additional ID and documentation. But still far easier than my bank which required notarized paperwork!
Step 3 – Choose Your Transfer Speed
MoneyGram offers different transfer speeds depending on where you are sending money. This gives you flexibility to meet different needs.
Here are the common options:
Domestic U.S. Transfers
- Minutes – Available for pick up within 15 minutes
- Next Day Delivery – Arrives the next business day
- 2 Day Delivery – Arrives within 2 business days
I like to use the Minutes option when sending money to my elderly parents across the country. Then my brother who lives nearby them can pick up the cash right away.
But if you aren‘t in a rush, Next Day or 2 Day Delivery can save you a couple dollars in fees. Just make sure to initiate on a business day before cutoffs.
International Transfers
- To Mexico: As fast as 10 minutes for pick up
- To Latin America/Caribbean: Within 24 hours
- To Other Countries: 1 to 3 business days
So MoneyGram offers pretty fast transfers to key countries like Mexico and Latin America. But allow 3 days if sending further abroad just to be safe. The agent will provide estimated delivery times.
Pro Tip: Always choose the fastest option if sending money for an emergency situation. Pay a couple extra dollars for peace of mind knowing funds will arrive ASAP.
Step 4 – Pick Up or Deposit Transfer Methods
A great aspect of MoneyGram is your recipient has options to receive the money:
Cash Pickup
With cash pickup, your recipient can get the money at any MoneyGram location globally. Just provide their name and the reference number.
Over 216,000 MoneyGram agents across 200 countries offer cash pickup. Common locations include Walmart, CVS, 7-Eleven, grocery stores, and check cashing stores.
I prefer using cash pickup when sending money to my family in Mexico and the Philippines since bank accounts aren‘t as common there. It‘s easy for them to visit a nearby agent and present ID to receive the funds. Just make sure to communicate the reference number!
Bank Account Deposit
If your recipient has a bank account, you can directly deposit the money into their account. You‘ll need:
- Account number
- Routing number
- Bank name
The money will be automatically deposited in their account typically within minutes or 1 business day.
I‘ve used the bank deposit option when paying contractors and employees. It ensures they receive payment quickly and securely.
Just check if their bank has incoming wire transfer fees to avoid surprises. Some smaller banks charge $10-$15 fees.
Step 5 – Start Your Transfer at Walmart
Okay, now that you know the locations, fees, delivery speeds, and payout options – it‘s time to actually send money!
You can start a MoneyGram transfer at Walmart two ways:
In-Store
Head to the Money Services desk or MoneyGram counter at your Walmart. Tell the associate who you want to send money to and complete these steps:
- Provide your government-issued ID
- Share recipient‘s info (name, address, phone number)
- Select desired transfer amount and speed
- Choose cash pickup or bank deposit
- Pay fees via cash, debit card, Walmart gift card
- Get your reference number and receipt
I like to bring the required recipient details like ID numbers on my phone or on paper to speed things up.
The whole in-store process takes about 10-15 minutes for domestic and 15-20 minutes for international. The associates are trained to expertly guide you through each step.
Walmart Mobile App
The Walmart app allows you to initiate transfers from anywhere. Follow these steps:
- Enter recipient‘s info and transfer details in the app
- Select "Pay at Walmart" to generate barcode
- Go in-store and have associate scan barcode to complete transfer
- Provide your ID and pay fees
- Get receipt with reference number
Starting in the app is faster, but you still need to finish in-person. I like this method since I can start while sitting on my couch!
Step 6 – Track Status and Communicate Reference Number
To finish up, make sure to get the reference number and track the transfer status. The reference number allows your recipient to collect the money.
On your receipt, the reference number will be under "MTCN" or "Receive Code." Record this in your phone and take a photo of the receipt in case you misplace it.
For recipient pick-up, communicate the reference number right away via text, email, WhatsApp or their preferred method.
To track status and confirm when money is available for pick-up or deposit, do one of the following:
- Call 1-800-666-3947 and provide the reference number
- Check the status on the MoneyGram website
- Use the Walmart mobile app if you initiated transfer there
It takes about 10-15 minutes for transfers to update status, so don‘t worry if nothing shows immediately.
And that covers the end-to-end process! By following each step, you‘ll have an easy time sending money through MoneyGram at Walmart.
Let‘s recap the key points:
To Send Money via MoneyGram at Walmart:
- Find a Walmart location with MoneyGram
- Understand the fees and transfer limits
- Select your transfer speed
- Choose cash pickup or bank deposit payout
- Initiate transfer in-store or via mobile app
- Get reference number and track status
Overall the process is quick and user-friendly, especially once you know what to expect. The associates provide top-notch customer service guiding first-timers.
I‘m confident you‘ll have a great money transfer experience at Walmart. But please feel free to reach out if any other questions come up!
