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Send Money to Friends & Family

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Transfer money your way across the US and globally to over 200 countries with Money Services, powered by Western Union. Send online, in-person or via Stage and Pay, where you start online and pay in-store.
Whether they’re across town or on the other side of the world, you can enjoy a stress-free transaction.

  • Whether you want to send money to another state or another country, we can help you get it there in minutes†.

  • Send money to a loved one at any of the 500,000 agent locations available with Western Union®.

  • My WU® members can earn rewards every time they send a qualifying money transfer.

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Send money your way with

  • 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

How to send money

It’s easy for you to send money to friends and family anywhere within the US or around the world.

  • Use our store locator to find your nearest Money Services.

  • Stop by and give the store associate the receiver’s name, their location, and the amount you want to send so the associate can set up the transfer.

  • Choose ‘Cash Pick-up’.

  • Decide on your transfer option.

  • Give the fee* and amount to be sent to the store associate either as cash or using a bank-issued debit card from the US.

  • Give the receiver the 10-digit Money Transfer Control Number (MTCN) so they can pick up the cash. Remind them they’ll also need a photo ID to pick up their money.

Sending money to

Using Money Services, you can send money directly to a friend or family member’s bank account. It’s easy – you just need to make sure you include the receiver’s bank account information.

Find out more information about how to send money to a bank account.

You will

  • The money to make the payment – whether it’s by card or cash

  • The account name, routing code and account number of the receiver

  • Their full name and address

  • Your full name, address and some ID

Find a Money

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

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When sending money to your friends and family, the limits on what you can send will be different based on a number of factors. These include:

  • The history of your transactions
  • The country of the receiver
  • Your location
  • What service you want

Visit Money Services and ask one of our trained store associates if you have any questions around the maximum amount you can send.

Popular reasons

Sending money to friends

Working with Western Union, we can help you send money to a loved one in another country. With more than 500,000 locations in over 200 countries, recipients can use a nearby Western Union agent location to pick up their cash.

Find out more about sending money internationally.

*This can vary depending on where you want to send your money.

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.

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