Walmart to Walmart is a money transfer service that lets you send cash from one Walmart store to another, where the recipient picks it up in person. The service is powered by Ria Money Transfer, and funds typically become available for pickup within 10 minutes of sending. It’s designed for people who need to move cash quickly without a bank account, and it works at Walmart locations across the United States and Puerto Rico.
How the Service Works
The process is straightforward on both ends. To send money, you visit the Money Center or Customer Service Desk at any Walmart and tell them you want to send a Walmart to Walmart transfer through Ria Money Transfer. You’ll provide the recipient’s name and the amount you want to send, pay the transfer amount plus a fee in cash or with a debit card, and receive a confirmation number.
The recipient takes that confirmation number to any other Walmart location (or in some cases, the same one), presents a valid photo ID at the Customer Service Desk or Money Center, and walks out with the cash. The whole pickup process takes just a few minutes once they’re at the counter.
Beyond domestic transfers, Ria also offers a “Walmart 2 World” option at the same counter, which lets you send money internationally to recipients in Africa, Asia, Europe, Latin America, and Oceania. International transfers have different fee structures and delivery options, but the sending process at Walmart is similar.
Transfer Limits
There are caps on how much you can send per day and per month. For transfers payable within the United States or Puerto Rico, the daily limit is $2,500 per person. Transfers payable in Mexico are capped at $1,300 per person per day. Regardless of destination, the rolling 30-day maximum is $7,999.99 per person.
These limits apply per user, so splitting a larger amount across multiple days is possible as long as you stay under the monthly cap. If you need to send more than these amounts, you’ll need to look at other transfer methods like a bank wire.
What You Need to Bring
Both the sender and recipient need a valid government-issued photo ID. A driver’s license, state ID, or passport all work. Walmart and Ria are required to verify your identity under federal regulations, so you won’t be able to complete a transfer without one.
The sender also needs the cash or debit card to cover the transfer amount plus the service fee, and the recipient’s full legal name exactly as it appears on their ID. Any mismatch between the name on the transfer and the recipient’s ID can delay or prevent pickup.
Fees and Costs
Walmart to Walmart transfer fees are tiered based on the amount you’re sending. Smaller transfers carry lower flat fees, and the cost increases as the transfer amount goes up. Fees for domestic transfers are generally lower than what you’d pay at a traditional wire transfer office, which is one reason the service is popular for sending a few hundred dollars to family or friends. You can ask for the exact fee at the Walmart counter before committing to the transfer, so there’s no surprise at checkout.
For international transfers through Walmart 2 World, fees tend to be higher, and you may also face an exchange rate markup, meaning the rate Ria uses to convert dollars into the destination currency includes a small margin. That margin is a cost that won’t show up as a separate line item, so it’s worth comparing the total amount the recipient will get against other services if you’re sending money abroad regularly.
Speed of Delivery
Domestic Walmart to Walmart transfers are fast. In most cases, the cash is available for pickup within 10 minutes of when you send it. That near-instant availability makes it a practical option for emergencies, like helping someone cover a car repair or sending rent money on short notice.
International transfers may take longer depending on the destination country and payout method. If the recipient is picking up cash at a partner location overseas, it’s often available the same day. Bank deposit options in some countries can take one to three business days.
Who This Service Is Best For
Walmart to Walmart fills a specific niche: people who want to send cash quickly and don’t want to (or can’t) use a bank transfer or digital payment app. The recipient doesn’t need a bank account, a smartphone, or any app. They just need an ID and a nearby Walmart. That makes it especially useful for sending money to someone who is unbanked, traveling, or in a rural area where a Walmart is more accessible than a bank branch.
If both you and the recipient have bank accounts or use payment apps, services like Zelle, Venmo, or a standard bank transfer may be cheaper or more convenient. But for same-day cash delivery with minimal setup, few options match the speed and accessibility of walking into one of the more than 4,600 Walmart stores nationwide.