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Send Money with Money Services

Money Services means you can send support wherever you are.

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We understand time is precious. That’s why Money Services offers ways to make it quick and easy for you to send money safely to friends and family across states and internationally.

  • Available in more than 2,000 stores nationwide
  • Send money to over 200 countries and 435,000 locations
  • Earn My WU Rewards with Western Union
  • Save on money transfers with Ria
  • Want to know more? Find out more about us


Money Services Express, powered by Western Union and Ria Money Transfer is a new and convenient way to send money to loved ones around the world. With money transfers via Money Services Express, you can start your transfer on line f rom the comfort of your own home, before heading to your nearest Money Services location to complete your transaction.


Visit the Money Services Express and log in using your Kroger Loyalty account details, or follow the instructions to set one up in a few clicks. Once logged in, select the start a Money Transfer option. If you have used our service before, you’ll be able to view your previous Money Transfer transactions.

Choose your local store using our handy store locator and complete the form provided to help us understand where you want to send your money.

Once complete, view a summary of your transaction. Either continue to finalize your order, or make another Money Transfer and when finished, you’ll receive a final summary and a unique barcode via email to present in store.

Visit your selected store to complete your transaction. You’ll need to bring your barcode, valid ID, and a debit card or cash to cover the send amount and fees.


  • Save time by filling out your details from the comfort of your home

  • Compare the cost of fees, exchange rates and pickup locations across different transfer options

  • Send money to 525,000 worldwide locations, in over 160 countries

  • Flexible pickup locations

  • Check the status of a money transfer and view your previous transactions

Ways you can

Sending money doesn’t have to be complicated or expensive. You can choose exactly how you want to transfer funds to friends or family.

In Store

Choose from more than 2,000 Money Services locations within the Kroger Family of Stores. Find out more.

Money Services Express

Using the Money Services Express service means you can start your transfer at home and complete in store with the full support of our trained associates. Start here.


With Western Union, you can send money around the world in minutes†. Right now, you can earn 10% off every digital transaction. Get started online.

Ways to

Next, choose how your recipient’s funds will be delivered.

Cash Pick-Up

Pick-up at over 435,000 locations worldwide.

Bank Deposit

Deposit into over 3 billion bank accounts across more than 120 countries.

Mobile Wallet

Deposit into your recipient’s bank account.

Domestic Cash Payout

Over 54,000 US agent locations available for coast to coast money transfers.

ATM Pay-Out

Arrange for your recipient to collect funds at a participating ATM.

Home Delivery

Schedule your money transfer for home delivery.

Why send with

Sending money is quick and secure with Money Services. From sending money online to in-store support, we make it our business to help you manage your money. Online, Stage & Pay or in store, we make it easy for you to send money your way. And we make it easy for your recipient too, with options like cash pick-up, bank deposit, mobile wallet, ATM pay-out and home delivery. Find out more about how we work with Ria and Western Union to securely manage your money.

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  • Send money online

  • In-store support

  • Help manage your money

  • Easily send money your way

Sending money

  • Send within the US to over 54,000 Western Union agent locations or to one of 525,000 locations worldwide

  • Western Union completes an average of 34 transactions per second

  • They give your recipient flexibility and choice where they pick-up their money

  • Send money your way In-store, Stage & Pay or Online

  • Earn rewards towards fee* discounts with the My WU Loyalty program


Send money online, in-store or start your payment online and complete with the help of our associates at any of our Money Services counters:


For more information on sending money with Ria and Money Services in-store, please see the video below:

Sending money

  • Great exchange rates mean your dollar goes further when converting to foreign currency

  • Simple low fees no matter where you send worldwide

  • Cash pickup in over 160 countries and territories with over 435,000 Ria locations worldwide

  • A brand you can trust with over 30 years of experience and over 1 billion money transfers safely sent worldwide

What do you need

  • Funds in cash or on a debit card to cover the transfer amount
  • 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
Money Header

Types of ID

  • US-issued Passport

  • Foreign Passport

  • State-issued ID

  • Driver's License

  • Resident Alien ID

  • Military ID

  • Matricula Consular ID

  • Tribal Nation or Reservation ID


At Money Services, we make it easy for you to send money securely – your way. You don’t need a bank account to manage your funds and neither does your recipient if you’re sending money. Our in-store team are trained to help you through the transaction process and always on hand.

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. All contact from emergency personnel, government agencies, or telephone and internet marketers should be verified before purchase.

If you’re worried about your transfer, Ria customers can call support on 1 (844) 297-1287.

For Western Union transactions, please contact customer services at 1-800-325-6000.

Find out more about how we safeguard your money.

Send Money

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

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Africa (52)

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Asia (41)

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Europe (49)

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North America (32)

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Oceania & Australia (21)

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South America (17)

Top 5 Reasons

There are many reasons why we send money around the world.

Top 5 FAQs

The easiest way to track your transfer is to sign up for SMS alerts to receive a text notification when your funds have been paid out. Message and data rates may apply. If you’re transferring with Ria, visit or download the Ria Money Transfer app to track your transfer using your PIN number.  If your payment is through Western Union, you can track your money using your MTCN on their website or app too. If you’re sending a cash payment, you can also call your local store’s customer service.

This will depend on the circumstances. Call either Ria, Western Union or your local Money Services to find out whether you can cancel.

If you’re sending internationally from the US, you normally won’t be taxed. If you’re receiving money within the US, it’s unlikely you’ll be taxed but you’ll need to declare it to the IRS.

With Ria, you can send up to $5,000 within the US and up to $10,000 internationally, depending on your destination and delivery method. You can send up to $5,000 with Money Services and Western Union.

The best way for you to send money will depend on how much you want to send, how quickly it needs to arrive and how you want the funds to deliver. Speak to our in-store team and they’ll be able to help you with your transaction.

Related Pages

Kroger 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.

*Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates are 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”).

**Fee reductions apply only to the Western Union transfer fee for a single Western Union Money Transfer or Quick Collect transaction. Excludes all other services, including without limitation, online bill payments, and money transfers via social/chat applications. Points used will not be reversible and if amount of transfer fee is less than redeemed discount, no cash, credit or refund will be provided. Western Union reserves the right to offer promotional discounts that cannot be combined with My WU fee reductions.

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services.  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.

Ria is a registered trademark of Continental Exchange Solutions, Inc. NMLS #920968, dba Ria Financial Services. Kroger is an authorized delegate of Ria (Continental Exchange Solutions, Inc.) pursuant to Chapter 151 of the Texas Finance Code. If you have a complaint, please call Ria at (855) 355-2145 or visit

For Texas consumers: Ria is licensed under Chapter 151 of the Texas Finance Code.  After contacting Ria, if you still have a 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.

For consumers in all other states: see full terms and conditions, including regulatory contact information, on your receipt.

Date available will be displayed on receipt for all transfers. Service and funds availability depends on certain factors including the amount sent, destination country, currency availability, fraud prevention measures, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones.

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