International money transfers with cash pickups

Need to send cash to a friend or relative overseas as quickly as possible? Here’s how to do it without breaking the bank.

Updated May 9, 2020. What changed?

Fact checked

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

If you need to send money overseas to loved ones who don't have a bank account, look for a money transfer specialist that offers cash pickups. These types of transfers are secure and fast, with pickups available worldwide in minutes. But watch for higher fees and weaker exchange rates than deposit transfers.

Send money overseas with Remitly

Remitly has quick, affordable transfers around the world, with both express and economy options.

It’s fast
Offers cash pickup
Receive text updates

Go to site
More Info

Compare services that offer cash pickup

I want to send

Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
AUD 1	Same day	AUD 3.99	0.766	USD 763	Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply. WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, ANG, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review
AUD 10	Within an hour	AUD 2.99	0.764	USD 762	Special offers like free transfers and better exchange rates available for new customers. Remitly has quick, affordable transfers around the world, with both express and economy options.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 10.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Chat, Email Available currencies ARS, AUD, BDT, BGN, BOB, BRL, CLP, CNY, COP, CRC, CZK, DOP, EGP, ETB, GHS, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, INR, JMD, KES, KMF, KRW, LKR, MAD, MXN, MYR, NIO, NPR, PEN, PHP, PKR, PLN, PYG, RON, RWF, THB, TND, TRY, TZS, UGX, USD, UYU, VND, XAF, XOF, ZAR Go to site Read the full review
AUD 2	1 - 2 days	AUD 15.00	0.746	USD 734	Ria lets you send money to 130+ countries with cash pick-up at 240,000 locations.		Compare	Show details	Details Minimum transfer amount AUD 2.00 Transfer methods Online, Agent, Bank Account to Bank Account, Cash Transfer Transfer options Regular payments, One off payments Customer service Phone, Email, Branch Available currencies AED, ALL, AMD, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BOB, BRL, CAD, CHF, CLP, CNY, COP, CRC, DJF, DOP, DZD, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KGS, KHR, KMF, KZT, LAK, LBP, LKR, LRD, MAD, MDL, MMK, MNT, MRO, MXN, MYR, MZN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SEK, SLL, SRD, THB, TJS, TND, TOP, TRY, TTD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, XAF, XOF Read the full review
AUD 1	Same day	AUD 20.00	0.742	USD 728	Western Union sends money online to friends and family in 200+ countries around the world.		Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Phone, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order Transfer options One off payments Customer service Phone, Email Available currencies AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, IRR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LTL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SRD, STD, SVC, SYP, SZL, THB, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZAR, ZMW, LVL Read the full review

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

What's in this guide?

Compare services that offer cash pickup
How does a cash pickup work?
How to compare services that let you pick up cash
What are the pros and cons of picking up cash?
Tips for picking up money in person
Frequently asked questions

How does a cash pickup work?

A cash pickup allows your recipient to pick up their money in cash from a physical location, instead of through a digital deposit into a bank account. The process varies by company but typically requires four steps:

Place your order. You submit your recipient's contact information, the amount you're looking to send and other details at a money transfer company's storefront or through its site. Some specialists require you to choose a specific location for pickup. Take care entering your recipient's name as shown on their ID to avoid issues with pickup.
Wait for processing. Turnaround varies by company, but most expedite cash pickups. You receive a transfer reference number once processed that your recipient can use for pickup — and that you can use to track the progress of your transfer.
Pickup cash. Armed with your transfer reference number and an ID, your recipient picks up their cash at the location you've specified or at a convenient location in the company's network.
Get confirmation. After your recipient picks up the money transfer, you may receive a text or email confirming the time and location of the pickup. Or track the transfer with the transfer reference number your company provided with your order.

Cash pickup providers

The best-known providers of cash pickups are Western Union and MoneyGram. Western Union allows you to send money online or in person at more than 500,000 locations in over 200 countries. MoneyGram also offers online and in-person transfers to more than 200 countries, with some 350,000 agent locations around the globe.

Some providers allow you to process a money transfer without a bank account. This is especially useful for the unbanked and underbanked, because you can take cash into a physical location for sending around the world.

Other digital providers like WorldRemit offers cash pickups at select bank branches in countries worldwide.

If you're the intended recipient of a transfer, look for a money transfer near you.

How to compare services that let you pick up cash

Weighing the pros and cons of a cash pickup against your recipient's needs:

Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate — the rate banks and transfer services use when they trade among themselves — and look for the smallest margin between them.

Fees. Does the provider charge a flat fee or a percentage of your transfer? Do the fees vary by method of payment? If you’re sending a large amount, will you qualify for a fee-free transfer?

Pickup locations. How many agent locations are in the area you're planning to send money to? Make sure the location and operating hours are convenient for your recipient.

Transfer speed. How long will it take for the money you send to be available for your recipient to collect? If you need to send an emergency transfer, can the cash be ready for pickup within minutes?

Payment methods. Can you pay with cash, credit or debit card or a bank account transfer?

Transfer methods. Can you initiate the transfer online, by phone or with an agent? Does the provider offer an online app?

Customer support. Most companies offer help through live chat, by phone, in person or through email. Make sure help is available if you need it.

What are the pros and cons of picking up cash?

Pros

Fast turnaround. Cash pickups offer an incredibly quick way to send money overseas — some for pick up within minutes.
Plenty of choice. Several trusted companies operate in the money transfer industry, giving you the freedom to shop around for a better deal.
Safe and secure. Providers like Western Union and MoneyGram offer safe, reliable international transfers.
Convenient. Picking up cash from a transfer agent makes it simple and convenient for your recipient to access the funds you send.

Cons

Transfer fees. You'll often pay more for a cash pickup over a transfer deposited into your recipient's bank account. Confirm the fees you face before handing over your cash.
Weak exchange rates. Exchange rates on cash transfers can be weaker than those you'd receive from an online money transfer specialist — and even a small difference in rates can mean a lot less money received by friends and family. Compare the exchange rate you're offered against the mid-market rate before making your decision.
Untrustworthy providers. Compare reputable providers to avoid issues with order and delivery.
Risk of theft. In some parts of the world, carrying cash requires precautions to minimise risk of theft.

Tips for picking up money in person

No matter where you are in the world, picking up cash from a transfer agent can be dangerous. Stay on your toes with five easy tips:

Avoid unsafe areas. Find a location that's safe and convenient.
Call ahead. Confirm an agent’s location and business hours before visiting.
Bring a friend. Carrying money alone can be dangerous. Ask a friend to come along.

Deposit your money immediately. The likelihood of losing your money grows the longer you have it with you, so head straight to the bank after pickup.
Keep your cash hidden. Openly carrying cash could make you a target. Put your money in a purse or wallet before leaving the office.

Frequently asked questions

Thank you for your feedback!

Marc Terrano

linkedin googleplus

Marc Terrano is a lead publisher and growth marketer at Finder. He has previously worked at Finder as a publisher for frequent flyer points and home loans, and as a writer, podcast host and content marketer. Marc has a Bachelor of Communications (Journalism) from the University of Technology Sydney. He’s passionate about creating honest and simple reviews and comparisons to help everyone get value for money.

More guides on Finder

Amazon Prime Day 2021: Don’t miss these deals on 21 June
Amazon Prime Day is returning to Australia in the first half of 2021. Here are six online deals you need to know about.
How to buy TitanSwap (TITAN) in Australia
This guide will show you step-by-step instructions on how to buy the TitanSwap (TITAN) token as well as a list of exchanges you can trade it on.
Canterbury Bulldogs vs St George Illawarra Dragons NRL: Start time and watch free
The one-win Bulldogs return after a bye, hopefully refreshed and ready to meet the Dragons.
NSW first home owners tax reform offers 25K grants
First home buyers in NSW could be given up to $25,000 towards their first home purchase – find out if you're eligible.
24 PlayStation 5 consoles are up for grabs this long weekend
eBay is giving away 24 PlayStation 5 prize packs this long weekend - here's how to enter.
Does anyone actually need Twitter Blue?
Here's everything included in Twitter Blue and how much it costs.
How to watch UFC 263 Adesanya vs Vettori 2 live in Australia
Undisputed champion Israel Adesanya is ready for his long-awaited rematch against Marvin Vettori in Arizona.
HBO Max Gossip Girl reboot: new trailer drops ahead of Australian broadcast
An updated version of Gossip Girl is coming our way – and it looks too good to miss.
Finder Daily Deals: The 5 best online deals in Australia today
Today's best Finder Daily deals include: 50% off 4K TVs, $200 off Dyson vacuum cleaners, win $10,000 with Optus.
How to watch Paul Gallen vs Justis Huni grudge match live online
Undefeated heavyweight Justis Huni and former NRL star Paul Gallen are ready for battle as Termination Day approaches.

Azimo International Money Transfers

Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

More info

TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.

More info

WorldFirst International Money Transfers

Better exchange rates for Finder customers.
WorldFirst sends 60+ currencies at competitive rates. If you find a better eligible quote, WorldFirst will beat it.

More info

Send International Money Transfers

Send guarantees to match any competitor’s exchange rate. T&C’s apply.
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.

More info

Ask an Expert

Click here to cancel reply.

Display Name

Your Email (will not be published)

Your Question

Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

10 Responses

CaseySeptember 3, 2016

Is there any age policies?
What age do you have to be, to be able to transfer money overseas?

finder Customer Care

ShirleySeptember 6, 2016Staff

Hi Casey,

Thanks for your question.

You will need to be over 18. If under the age of 18, you’ll need to be accompanied by a parent or guardian if you’re sending it in person. If doing it online, you will need a parent or guardian to do it for you.

Hope this helps.

GabrielleJanuary 21, 2016

How can i use this service cox i need to send money to a friend, what are the details that will be given to pick the money, i need fast respond on this

finder Customer Care

ShirleyJanuary 22, 2016Staff

Hi Gabrielle,

Thanks for your question.

Please click on ‘Go to site’ and follow the prompts to initiate the transfer. You’ll need the details of your recipient bank to complete the process, such as their IBAN or SWIFT number, BSB and account number.

Cheers,
Shirley

rubieSeptember 5, 2015

how can i check the worldremit tracking if its right

finder Customer Care

MarcSeptember 7, 2015Staff

Hi Rubie,

Thanks for the question.

You can login to your WorldRemit account or contact them directly To find out the status of your transfer. We have published their contact details on our review page.

I hope this helps,
Marc

lovelyJune 17, 2015

hello how can i know if money is to be ready to pick up because i don’t get message from worldremit?

finder Customer Care

MarcJune 18, 2015Staff

Hi Lovely,
thanks for the question.

If WorldRemit hasn’t sent you an SMS message it’s advised you contact them using the details on their contact us page.

I hope this helps,
Marc.

jacquelineMay 23, 2015

someone send me in worldremit .. but im not sure if its already available to pick up now
thanks

BelindaMay 29, 2015

Hi Jacqueline,

Thanks for your enquiry.

WorldRemit will send you a notification with a transaction number and instructions of how you can collect the funds.

If you have any issues collecting the money, please contact WorldRemit directly.

Thanks,
Belinda

Finder’s 5 credit card top picks for rewards, balance transfers and more.

Find a better personal loan deal

Find a better home loan

Want to find the best savings account?

Discover the top share trading platforms.

Discover top performing superannuation funds.

Planning to travel soon? Check out one of our travel money location guides

How much will it cost? Calculate your home loan repayments

International money transfers with cash pickups

Need to send cash to a friend or relative overseas as quickly as possible? Here’s how to do it without breaking the bank.

Guides

Services

Send Money To

Exchange Rates

CBD Guides