Walmart & Western Union

There are many online money transfer services to choose from but Walmart2Walmart and Western Union have been the go-to providers of many customers.

These two have established reliable reputations so that when it comes to online money transfers, they are the first ones to come in mind. It’s not surprising then that many people are asking the question does walmart have western union? The answer is no western union is a seperate money transfer company however walmart offers their own service called walmart 2 walmart. This walmart money transfer service allows customers to send money from one US Walmart branch to another, instantly.

walmart store

Western Union’s money transfer service allows customers to transfer money across the globe via online transactions.

Which one is better? Read on to find out.

Western Union

To transfer money internationally, go to the Western Union’s website. Enter the amount you wish to transfer and the destination country. On the page, you will see the prevailing exchange rate, transfer options, and associated transfer fees.

After you’ve confirmed the transaction, your money will be converted and delivered to the indicated destination (bank or Western Union branch). You may also transact via phone or at any Western Union branch.

shop offering western union money transfer


To transfer money domestically via Walmart2Walmart, go to the money transfer service office at any Walmart branch.

On the form, write the amount you wish to send and the destination sate. Then pay with cash, credit card, or debit card.

Within minutes, your recipient will be able to get the money at the specified
Walmart branch.

You can also use the Walmart Mobile Express Money App to initiate your transaction before you head to a Walmart branch and pay bills to accredited merchants.

For international money transfers, Walmart partnered with MoneyGram to establish Walmart2World. This service is different from Walmart2Walmart which is powered by RIA.


Western Union. Fees are not fixed and based on the amount your sending, the mode of transfer, and the money transfer destination. Fees can range from $5 to $45.

Walmart2Walmart. $4 for money transfers up to $50, $8 for money transfers from $51 to $1000, and $16 for money transfers from $1001 to $2500.

Exchange Rates

Western Union. The mid-market rate dictates the exchange rate that will be used in your money transfer transaction at Western Union. The rate is usually pegged up to 6% of the mid-market rate.

For example, if you’re sending money that will be converted to Euros (EUR):

Mid-market rate is $1=0.95 EUR

Western Union will apply $1 = 0.88 EUR to your money transfer

Walmart2Walmart. Only domestic transactions are processed at Walmart2Walmart.

Transfer Speed

fast transfer

Western Union. Transfer speed varies, depending on the mode of transfer you will choose. If you transact at a Western Union branch, the money will be sent instantly but will cost more.

If you choose the cheaper modes of transfer, the money will be sent within five days or more.

Walmart2Walmart. The money will be sent to your recipient’s branch within 10 minutes or less.

Payment Options

Western Union. Bank transfer, credit card, debit card, and cash.

Walmart2Walmart. Cash, credit card, and debit card.

Delivery Options

Western Union. The money will be released at the recipient’s Western Union branch or Walmart branch, bank transfer, and e-wallet.

Walmart2Walmart. The money will be released at Walmart outlets only.

Verdict – Which Online Money Transfer Service Is For You?

Walmart2Walmart’s speedy delivery is impressive however, the service is limited to domestic money transfers only.

On the other hand, Western Union enables customers to send money to different countries via its 500,000 locations around the world.

Compare your options to help you determine what suits your needs best.


Does the mid-market rate stay the same? No, the currency exchange mid-market rate always fluctuates. It’s best to check online the prevailing mid-market rate before your transaction so you can compare rates.

Is it safe to transfer money online? Federal protections have been set to protect customers of international money transfer services. To be safe, always choose to transact with reputable companies.

Can I pick up money sent via Western Union at Walmart? Yes, you can pick up the money sent to you from Western Union at any Walmart branch specified by your sender.