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Send Money with Money Services

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We understand your time is precious. That’s why Money Services, powered by Western Union offers different ways to make it quick and easy for you to send money to friends and family across states and around the world. With these services, you can transfer money fast and conveniently online, in-person or through Stage & Pay – where you simply start your transaction online and then complete the payment at your nearest Money Services location.

Powered by Western Union

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Send money your way

  • Money Services allows you to send money your way:

  • Send money: Online – no need to visit in-store

  • Send money: Stage & Pay – start online, pay in-store

  • Send money: In-person – in-store

  • Make fast and easy transfers of up to $5,000

Send Money:

Send money conveniently from your mobile, tablet or desktop computer. With Money Services, powered by Western Union, you can send money online across the United States or virtually anywhere around the world.

Send in a few easy steps:

  • Log into the Western Union® platform

  • Set up your money transfer with your receiver and payment information and select “Send”

  • Your money is on its way! You will receive the tracking number (MTCN) onscreen and via email to share with the receiver


Prefer to pay in cash? Start your money transfer online at your convenience and pay in-store at any Money Services location nationwide.

Getting started is easy, just:

  • Log into the Western Union® platform

  • Set up your money transfer and select “Pay in-store”

  • Enter the receiver information and follow prompts for staging your transfer

  • Visit your Money Services location with your phone number, valid ID and payment within 12 hours of staging online

  • The money is on its way – just share the tracking number (MTCN) with your receiver

Send Money:

Send while you shop! Make face-to-face money transactions at your local Money Services location to send money internationally or transfer within the US.

Follow these simple steps:

  • Find your nearest Money Services using our store locator.

  • Provide the receiver’s name, location and the amount you want to send to the store associate

  • Choose how the receiver will get the funds.

  • Select how soon they will be able to access the funds

  • Give the fee and amount to be sent – either as cash or using a bank-issued US debit card

  • Provide the receiver with the 10-digit Money Transfer Control Number (MTCN) and the amount so they can pick up the cash – they’ll need a photo ID that matches the receiver name to collect payment

Why use Money Services

  • Money around the world in minutes†

    Send money across town, different states or to over 200 countries and territories around the world when you use Money Services to transfer.

  • Choose how and when your money arrives

    You can choose from various options on how your cash arrives – In Minutes, Next Day† or Direct to a qualifying bank account.

  • My WU® members can earn points by sending qualifying money transfers

    My WU® members earn points for sending qualifying money transfers, and can enjoy fast, easy and convenient transfers.

Find a Money Services

Search by state, city or ZIP code to find your local Money Services.

Pick up

Picking up your money is just as easy.

Find your closest Money Services or Western Union agent location – don’t forget the tracking number.

Find out more about picking up money

Send money

You can make a wire transfer to almost anywhere, with over 200 countries and territories served by Western Union. Popular receive countries are:

Top 5 reasons

What you’ll need

  • Your cash or debit card

  • Your receiver’s name as it appears on their government-issued ID

  • Your receiver’s city/province/state and country

  • Your own government-issued ID

Once you’ve made your money transfer in-store, let the recipient know when the cash will be ready for them to pick up. You can then track the transfer online using your MTCN number and check when the money has been picked up.

Money transfer limits are based on a number of factors including payment method and limits on the country where you want to send it. To find out how much you can send, visit your local Money Services.

As well as sending money for pick-up, you can send money to a bank account around the world. Please be aware that the time it takes depends on when and where the money is being sent, and other limits may apply.

You can make money transfers to any Western Union agent location around the world and within the US, as well as to Money Services.

Money Services is committed to protecting you from fraudulent schemes and scams. You should never send money to someone you haven’t met in person, and all contact from emergency personnel, government agencies, or telephone and internet marketers should be verified before purchase. If you’re worried about your transfer, call Western Union customer service at 1-800-325-6000.

*Western Union also makes money from currency exchange.  When choosing a money transmitter, carefully compare both transfer fees and exchange rates.  Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

† Date available will be displayed on receipt for international transfers over $15. Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, “Restrictions”).

The Kroger Co. engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, please contact Western Union Customer Service first at 1-800-325-6000. After contacting Western Union Financial Services, Inc. and if you still have an unresolved complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit for more information.

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985.  See terms and conditions for details.

The Western Union name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.

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