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Send Money for the Holidays

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Transfer money as a present to loved ones during the holiday season. Be there for them wherever you are when you send funds with Money Services.

  • Transfer funds online from home or in store to a friend or family member’s bank account
  • Choose your nearest Money Services from over 2,000 Kroger Family of Stores locations
  • Send over any amount up to $10,000 directly into a bank account
  • Make safe transfers to 200+ countries and over 435,000 destinations globally
  • Transfer and track your money securely with Ria and Western Union
  • Want to know more? Find out more about us

Ways you can

Transferring funds for the holidays is simple. There are several ways you can give the gift of money to your friends and family.

In Store

Visit one of 2,000 Kroger Family of Stores locations to make a transfer using one of our trusted agents.

Stage and Pay

With Stage & Pay, you can start your holiday transfer at home, then complete it in store. Discover more.

Online

With an online transfer, there’s no need to leave the house to send money for the holidays. Start here.

Why Send

At Money Services, we make giving holiday gifts simple. If you can’t be with them, sending money is a quick and easy way to show you’re thinking of them. Or perhaps you just want to let them choose their own gift? Either way, a money transfer with Ria or Western Union lets you send funds securely, giving you complete peace of mind that it’ll arrive safely.

Our services give you plenty of options when it comes to transferring. Start online and complete in store, organise a cash pickup or complete everything online. The choice is yours. With a Ria Money Transfer, you’re able to send up to $10,000 over a 30 day period. With Western Union, you can transfer up to $5,000.

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

  • In-store support

  • Help manage your money

  • Easily send money your way

How to Send In-Person at a Money Services Location

Send money for the holidays with Money Services, powered by Ria and Western Union. You can send money in store while shopping for essentials.

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 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.


How to Send Money Online

Conveniently send money for the holidays or any other reason using our Money Services, powered by Western Union.

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


How to Start Online, Pay In-Store

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

  • 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

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.

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