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10 Ways To Send Money Safely To Anyone Who Doesn’t Have A Bank Account!

Need to send money to someone? It’s very easy to send money to friends or family.

But not everyone is like that.

So, if you need to send money to someone who doesn’t have a bank account, check out the list below. We’ve found out how you can send money to someone who doesn’t have a bank account, as well as a money transfer app.

Using a money order can be a good idea because you don’t need a bank account.

Money orders are like checks, but they are better because they are a more reliable method of payment. This is because the money order is prepaid.

I’ve actually written all the posts about where you can get money orders close to money orders.

2. PayPal

We recommend using PayPal as you can send money to people for free. And money is usually transferred pretty quickly. There are no fees for sending money to family and friends in the United States if you send money to your PayPal balance or bank account, or a combination of the two. If you are sending money by credit or debit card, you will have to pay a fee.

Recipients can use their PayPal account to purchase items or request checks at retail stores that support it as a payment option. It usually takes a week or two to receive a check from PayPal.

Download the app:

  • Download for iOS here.
  • Download for Android here.

3. Walmart

You can use Walmart2Walmart (Powered by RIA) or MoneyGram to go to your local Walmart store where you can send money across the United States. Funds can arrive with the recipient in 10 minutes. The fee starts at $4 and depends on the amount you send.

Download the app:

  • Download for iOS here.
  • Download for Android here.

4. Xoom

Xoom is a great app for sending money abroad to someone who doesn’t have a bank account. You can also send money from within the United States.

Xoom is a PayPal service that you can use to send money in several ways. This includes sending cash for pickup at thousands of partner locations around the world or delivering cash to the recipient’s home. You can send money within the United States and to more than 160 countries.

We charge a fee that varies depending on things like the country you’re sending from and the amount you’re sending. For most transfers, the payee can use the money within minutes, but some transfers can take up to several days.

Download the app:

  • Download for iOS here.
  • Download for Android here.

5. Prepaid debit card

Prepaid debit cards work like regular bank cards, but you can use them without a bank account. Instead, it charges the card with money and then gives the card to the payee. The card can then be used by the recipient.

Banks and financial institutions offer prepaid debit cards and can be picked up online and at major retail stores, gas stations and convenience stores. You just pay the desired amount on your card online or in a retail store. You can reload the card, and the recipient can do it too. You may have to pay a few dollars for a plastic card, but some sellers offer the card for free.

6. Benmo

In the next list is Venmo. It’s a great app for transferring money because it’s easy to use. Similar to PayPal. It is a digital wallet that you can use to send money to people.

There is no fee for sending money from a linked bank account, debit card, or Venmo balance. However, if you send money to someone with a credit card, a fee will be charged.

Once the payee receives the funds, they can access the money through their Venmo debit card. Recipients must request a debit card in the Venmo app. The payee can then use a debit card, such as a regular debit card (wherever a master card is accepted), to get a cash refund and use it to pay for things or to withdraw funds from an ATM.

Download the app:

  • Download for iOS here.
  • Download for Android here.

7. WorldRemit

WorldRemit allows you to send money to your mobile money account and location for cash pickup. The great thing about WorldRemit is that you can send money to more than 130 countries. This is a good option if you want to send money abroad.

There is a fee, but it depends on the country you’re sending from and the amount you’re sending. There is no fee for the first transfer with this offer.

According to WorldRemit, 90% of transactions are completed in minutes. The amount of time it takes for the recipient to receive the money depends on the location of the transfer.

In some countries, the recipient receives cash immediately, and in others, it may take 1 to 2 days. To find out how long an international bank transfer will take, you need to select the country you want to transfer money to.

Download the app:

  • Download for iOS here.
  • Download for Android here.

8. Western Union

With Western Union, you can also send money to people at home and abroad.

You can send money to more than 200 countries and regions.

We offer online and in-person money transfers in the United States. And you can actually send money to your mobile wallet. Therefore, the payee does not need a bank account to receive funds.

The time it takes for recipients to receive funds varies. For some options, such as the Money in Minutes service and mobile money transfers that pick up from the agent location, it only takes a few minutes for the recipient to receive the funds.

The fee depends on the amount you are sending and the country you are sending from. You can see the estimated fees here.

Download the app:

  • Download for iOS here.
  • Download for Android here.

9. Facebook Messenger

Facebook Messenger allows you to send money to people using a bank issued debit card or PayPal account.

There is no fee for sending money by messenger. In most cases, the amount is transferred immediately, but it may take up to 5 business days for the payment provider to post the amount to the recipient’s account.

The payee can then link their PayPal account to their profile to receive the money sent. You can then use your PayPal balance to pay the seller who accepts it as a payment method, or you can request a check from PayPal instead. It takes about 1-2 weeks for PayPal to receive your check.

Download the app:

  • Download for iOS here.
  • Download for Android here.

10. Google Pay

Google Pay is an option to send money to someone who doesn’t have a bank account. Transferring money allows the recipient to send funds to their PayPal account.

So this works in a similar way to Messenger, where recipients can use their PayPal balance to pay for things (if payment methods allow) or request a check from PayPal.

When sending money via Google Pay, the amount of time it takes for the recipient to receive the money depends on the payment method used for the transfer. Most payments are sent immediately or within a few hours unless paid through a bank account, in which case it may take up to 3 to 5 business days for the payee to receive the money. Google Pay does not charge any fees.

Download the app:

  • Download for iOS here.
  • Download for Android here.

Send money safely

Sending money to someone who doesn’t have a bank account is not very difficult. You only need to be careful and use legitimate sites, apps, and payment services.

Fortunately, as you can see, there are many apps and services that facilitate transfers without the need for the recipient to have a bank account.

It is very convenient, for example, when you have to send money for a service or when you have to pay part of a check in a restaurant.

If you’re wondering how to send money to someone who doesn’t have a bank account, try these options. And if you have your own tips, please share them with us in the comments section below.

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