You need to take a lot of things into consideration when you send money to someone without a bank account. There are millions of Americans without bank accounts today, which might seem unheard of. Even if they don’t have a bank account, shouldn’t they be able to send and receive money? Money transfer to someone without a bank account might seem difficult at first, but fintech advancements make it easier than ever. From mobile apps to prepaid debit cards, there’s plenty to choose from. You can even transfer money on Facebook. Well, this guide will show you how to send money without a bank account so you don’t have to worry about it.

Ways to Send Money to Someone Without a Bank Account

According to the FDIC, millions of households in the US do not have bank accounts. If you do not have a bank account, you cannot transfer money through a bank transfer. However, do not worry – there are options available to you. The following instructions explain how you can send money to someone who does not have a bank account.

Online Payment Services

You can send money through your smartphone or computer with online payment services without a bank account. The most popular payment services don’t require you to have a bank account to receive money, like PayPal, Venmo, Western Union, and Cash App. Your recipient could sign up for PayPal, Venmo, or Cash App and link a prepaid debit card if you use them.

Besides, there are thousands of Western Union locations in the US and around the world. You can send money online or via the app, and your recipient can pick it up.

Send Via Mobile Wallet

The concept of mobile wallets, or e-wallets, isn’t as complicated as it seems. You can use apps like Venmo, Cash App, Google Pay, and others. Some mobile wallets let you access your funds through a debit card that’s directly connected to your account without a bank account. When it comes to mobile wallets, keep these things in mind:

  • To make the transaction free, both parties need to have the same mobile wallet. For example, you can’t send from Cash App to Venmo.
  • Most mobile wallets in the United States only let you transfer money to and from the country.
  • Fees may apply when you use extra features like expedited transfers or credit cards with mobile wallets.

Prepaid debit cards

You don’t need a bank account to get a debit card from banks. Rather than a debit card, these are prepaid cards with a set amount loaded upfront.

There are prepaid debit cards at a lot of places or you can buy them online. Card sellers may charge a few dollars, or they may give it away for free. You can reload these cards as many times as you want and the terms will tell you how much you can spend.

Credit Cards

You can also send money without a bank account by using a credit card to pay for it. If you don’t have a bank account, this is a good option. Just keep in mind that these transactions usually come with additional fees.

If you compare money transfer services, you can avoid additional fees. You can get cash ready in minutes by paying by credit card. While this is a convenient method, it’s more expensive.


The option of sending cash is always available, but it’s not a wise idea. Although sending cash is convenient, it comes with risk. And remember, if the money gets stolen or lost in the mail, the recipient might never get it.

When you send cash, take every precaution to ensure the money reaches its intended recipient. In that case, remember these tips:

  • Make sure that the envelope you select keeps the contents confidential.
  • You may confirm mail parcel delivery by purchasing tracking services.
  • Make sure your package is insured for the amount of cash it contains.

Money Orders

Money orders, also called postal orders, are like checks but don’t need a bank to process them. If you’re sending a money order to someone without a bank account, you pay for the value, complete the form, and sign it.

If the money order gets to the payee, it can be cashed over the counter without a bank’s help. Cashing out money orders with the same provider who issued them is usually cheaper and easier. When the sender keeps the receipt and proof of purchase, it’s usually possible to track or cancel the money order. Post offices, supermarkets, and other major retailers sell this long-standing money transfer method over the counter.

Visa Gift Card

With Visa gift cards, you do not need a bank account to load and use the card. Known as open-loop gift cards, these cards are branded with a network’s logo and are accepted anywhere that network’s cards are accepted. You can purchase one from your local grocery store or online. To make your purchase, you may use either cash or a credit card.

Retailer Gift Card

You can purchase a gift card from the store of someone’s choice using cash. There’s nothing better than giving a gift card to someone on their birthday or if you just want to treat them. There’s no need for a bank account to buy or use a gift card. You can pay for the gift card with cash or a credit card at the store, restaurant, or other venue where you’re buying it.

Things to Consider When Choosing a Transfer Method

When sending money to someone without a bank account, choosing the appropriate method can be difficult. Consider the following factors when choosing the transfer method that’s most appropriate for you and your recipient.

  • Your Expected Delivery Times: If you are in a hurry to receive the funds, you may choose one method over another. Your recipient will receive money faster if you use a mobile wallet transfer or money transfer service as opposed to sending a money order or mailing a prepaid debit card.
  • Affordability: Payments made with a mobile wallet that doesn’t use a credit card usually don’t have fees. However, you might have a harder time accessing the money than if you transfer cash. Credit cards are usually the most expensive, while money orders and prepaid debit cards are usually cheaper.
  • Convenience: Both you and your recipient should consider which method is most convenient for them. You may choose one method over another depending on what your recipient intends to use the funds for and where they live. You may prefer to send money online so that it can be spent online, while you may prefer to pick it up in person in other cases.
  • Security of the Transfer: The encryption of data helps protect both your personal information and that of your recipients. The risk of a money order or prepaid debit card being lost in transit increases when you mail them.

How do I send money with an online money transfer service

The process of transferring money through an online money transfer service is usually quite straightforward. This is how it works:

  • Create an Account: Please provide your name, contact information, country of residence, as well as any documents that will verify your identity.
  • Navigate to the Transfer Page: On the main page, you will find an option that instructs you on how to send money. Once you select it, it will redirect you to the page where you can make a money transfer.
  • Finalize Transfer Details: Enter the destination, the currency, and the method by which the system will send the funds to the recipient.
  • Add in the Recipient’s Details: Please provide the recipient’s name and address, account details, and the purpose of the payment.
  • Confirm Your Payment Method: In order to make transfers from the US, you can use a credit/debit card or online banking.

The money transfer service will take care of the rest once you confirm the transfer. Additionally, you can keep track of the transfer via email or in-app notifications.

Frequently Asked Questions (FAQ)

Is it possible to send money internationally without having a bank account?

Yes, of course. There are a number of methods available for sending money overseas without having a bank account.

Do I need a bank account in order to receive money?

With a money transfer service, you can receive money without a bank account. This service allows you to collect cash from the sender after the transfer has been made.

How much does it cost to send money without a bank account?

The cost varies depending on what service you use, where the funds are sent, and how they’re received. Do your research before using a transfer service, mobile wallet, money order, or prepaid debit card.

Can I send money to a mobile wallet using a transfer service?

You may send funds to a recipient’s phone via a mobile wallet when using certain transfer services. There are a number of providers who allow this, including Western Union, but there are also a number of other options.

Is it necessary to link a mobile wallet to an account?

You do not need to link your bank account to several mobile wallets. Both PayPal and Venmo provide the option of opening a PayPal account and receiving funds without linking a bank account or credit card to it.