Send funds directly to a US or international bank account, with a Ria or Western Union money transfer from Kroger Money Services.
- Transfer funds online from home or in store to a friend or family member’s bank account
- Choose your nearest Money Services at over 2,000 Kroger Family of Stores locations
- Send any amount from $1 to $10,000 directly into a bank account
- Make safe transfers to 200+ countries and 400,000 destinations globally
- Transfer and track your money securely
- Want to know more? Find out more about us
Ways you can Send Money
Sending money to a friend or family member’s bank account, whatever the purpose, is easy. Choose from several different ways of transferring directly.
Visit your local Money Services to make US or international transfers with help from our store associates.
Stage and Pay
Find out how you can save time at the counter by starting your transfer online then paying in store.
Send money online for instant transfers through credit and debit card payments. Start here.
Why send With Money Services?
With Money Services, you have the choice of two world-class money transfer providers, Ria and Western Union. It’s simple to send money directly to a bank account. Either start your payment online, then complete it in store at a Kroger Family of Stores location or complete the whole transaction online using a debit or credit card with Western Union.
Track your money transfer using Ria’s PIN or Western Union’s MTCN or sign up for SMS text notifications to receive an instant notification when your funds have been paid out. Standard text message rates apply.
Send money online
Help manage your money
Easily send money your way
What do you need to bring?
To help us complete your money transfer as soon as possible, please bring:
- The recipient’s name (ensure that name exactly matches the recipient’s ID) and location
- Enough money to cover the amount you want to send – cash or debit card is fine
- Funds to cover the fee
- Valid Photo ID
Types of ID We Accept
Resident Alien ID
Matricula Consular ID
National ID Card
Tribal Nation or Reservation ID
How to send money to a bank account
Money Services has made sure that sending money is quick and easy. See our step-by-step guide on how you can send money to someone’s bank account using Money Services. Remember you can also send money safely and reliably online.
Find your local Money Services with our store locator.
Stop by your local Money Services and give the store associate your receiver’s name, location and the amount you want to send. If you use our Stage & Pay option, you can do this online before heading in store to finalize your transaction.
Choose Ria or Western Union to deliver your money transfer
Select cash pick-up or bank deposit delivery option.
Pay the fee* + transfer amount and present your valid photo ID, if required.
For Ria: The recipient will need the PIN and valid photo ID
For Western Union: Tell the recipient the 10-digit Money Transfer Control Number (MTCN) and the amount – they’ll also need photo ID
Sending Money to a Bank Account FAQs
Can I send money to someone without a bank account?
If your receiver doesn’t have a bank account, you can send money for them to pick up at their nearest Money Services or a Ria or Western Union agent location. Just make sure they bring along the pin or tracking number (MTCN) and a form of ID.
Can I track my money?
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 riafinancial.com 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.
Can I cancel my transaction?
This will depend on the circumstances. Call either Ria, Western Union or your local Money Services to find out whether you can cancel.
Will I be taxed if I send money abroad?
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.
How much can I send?
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.
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 www.dob.texas.gov 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 https://us.riafinancial.com/en/legal/file-complaint.
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 www.dob.texas.gov 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.