Send Someone Money Without a Bank Account

Do you need to send someone money somewhere but feel hindered because they might not have a bank account? Or maybe you don’t have one yourself?

Don’t worry. There are several ways to send cash anywhere in the world easily, securely, and quickly.

Here are the top three ways to send money without a bank account.

1.  Money Transfer Services

Money transfer services have existed for decades, pioneered by the likes of Western Union and MoneyGram.

Sending money via a transfer agent is relatively simple and offers several options.

Firstly, you can go online, log on to the money transfer app or website, and complete your transaction. If you have a bank account, you can cover the funds from there. If not, you can use a debit or credit card.

Also, you must specify the location of the money transfer agent where your recipient will be most comfortable collecting the cash.

Secondly, you can send the money in person. There are more than 500,000 Western Union agents worldwide, and you can walk into any of them and send money anywhere. In turn, the recipient will walk to the specified agent to collect the cash or a prepaid debit card.

Thirdly, you can phone the service to set up a transfer, although you’ll need to have a credit or debit card in hand.

Notably, different fees will apply depending on various factors like zip code or source of funds.

2. Money Order

A money order somewhat mimics a check-in functionality. However, the primary difference between the two is that you need a bank to send or receive a check.


A money order is like a banker’s check that doesn’t require the recipient to have a bank account.

Sending money via money order is simple.

First, go to the nearest post office, fill in a money order form, and record the recipients’ details, like full name and residential address.

Subsequently, pay the money you want to send, plus the post office’s transaction charges.

In the United States, you send the money order directly to the intended recipient, who then visits the post office to collect the cash. Elsewhere, the post office sends the money order to the recipient, and the latter obtains the funds from the postman.

Notably, you can purchase money orders from some retail outlets and even gas stations.

Finally, money orders are processed instantly, which means the recipient can receive the cash as soon as they cash in the money order.

3. Mobile Wallet

A mobile wallet, also known as an e-wallet, is like a virtual purse.

Some of the renowned mobile wallets include:

  • PayPal
  • Google Pay
  • Venmo
  • ecoPayz

Mobile wallets store your money in a secure account which you can access with a mobile phone, providing a quick, simple, and effective method to transact.

Mobile wallets are excellent for sending money to people without a bank account. As long as you know their wallet ID, you can send and receive money instantly.

When using mobile wallets, the sender and recipient must have the same mobile wallet provider to avoid hefty transaction fees. What’s more, you can transact in multiple currencies, although foreign exchange fees will apply.

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Millions of Americans and billions across the world don’t have bank accounts. But that’s no hindrance. Today, you can send money without a bank account conveniently and swiftly. The trick is choosing the best provider.


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