Send money within the United States

Western Union makes it simple to move money across the country. We offer multiple reliable options for U.S. money transfers, from bank transfers to cash pickup. Easily send funds to family, friends, or yourself today.

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    Be informed. Be aware. Protect yourself from fraud

    Be informed. Be aware.

    Protect yourself from fraud

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    Convenient ways to send and receive U.S. money transfers

    Send online

    Log in or register on our website and start a transfer quickly. You can send money within the U.S. directly to a bank account or for cash pickup with just a few details.

    Make an online transfer

    Send with our app

    Download the Western Union money transfer app to send on the go. This makes U.S. money transfers easy to start, track, and repeat.

    Get the money transfer app

    Send in person

    Prefer to pay with cash? Visit a Western Union location near you to send money in person and complete your transfer with the help of an agent.

    Send money in person

    Bank account

    Funds can go straight to a recipient’s U.S. checking or savings account.

    Learn how to receive money

    Cash pickup

    Recipients can collect money at thousands of Western Union agent locations across all 50 states and Puerto Rico.

    Find an agent location

    Mobile wallet

    Thanks to a mobile wallet, you can receive U.S. money transfers faster than ever in select markets. Explore mobile wallet transfers and how they work.

    Learn more

    Choose the way you pay

    Western Union gives you flexibility in how you pay for money transfers within the U.S:

    Your bank account

    Sending money with a credit card or debit card

    Cash at an agent location

    Send money in a few taps with our app

    Send money at home, at work or when you’re out running errands.

    Use your app to start off a money transfer and pay cash at an agent location.

    Save your friends’ and family’s details to make quick future money transfers.

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    Get money directly to your card

    You can now receive transfer funds to a Western Union® Prepaid Visa® Card. It’s a flexible way to manage funds, shop online or in-store, and withdraw cash at ATMs, making it easier to send money within the U.S.

    Apply now

    Send money to all 50 states and Puerto Rico for less!

    Check out these offers at selected stores
    Send up to $1,000 anywhere in the US with a $12 transfer fee2, exclusively at your local Pueblo in Puerto Rico.
    Send up to $1,000 anywhere in the US with a $12 transfer fee2, exclusively at your local SuperMax in Puerto Rico.
    Send up to $1,000 for a low $8 transfer fee2 when sending from Walgreens to any other Walgreens location. No Walgreens near your receiver? Take advantage of our open network pricing, send up to $1,000 from Walgreens to any other Western Union agent for a low $12 transfer fee2.
    Send up to $1,000 from Publix to Publix in the US (excluding Kentucky) for a low transfer fee* of only $8! Send to any other Western Union agent in the U.S. and receive a low transfer fee* of $12 when you send up to $1,000.
    Send up to $1,000 from Food Lion in Philadelphia to any Food Lion location in the US for a low transfer fee2 of only $8. Sending from Philadelphia? Send up to $1,000 from Food Lion to any other Western Union agent in the US and receive a low transfer fee2 of $10.

    Send up to $2,500 anywhere within Puerto Rico and save with a $16 transfer fee2 and no daily limits from a nearby Pueblo or SuperMax agent location in Puerto Rico.

    Reasons to choose Western Union®

    Flexible transfer options

    Send online, through the app, or in person. Get your funds via cash pickup, bank transfer, or prepaid card.

    Transparency and security

    Always see fees and exchange rates up front. Encryption and fraud prevention keep your money secure.

    Rewards

    Earn points with My WU® Rewards and explore Credit Builder to strengthen your financial journey.

    Nationwide reach

    Thousands of agent locations make it easy to send money within the U.S.

    Sign up to send money within the U.S. today

    Sign up now

    Schedule your payments

    Sometimes, you might want to wait until payday or a special occasion to make a money transfer. We make it simple to schedule payments in advance.

    Track U.S. money transfers

    Follow your funds from Colorado to Kentucky using your tracking number (MTCN). You’ll get a text or email notification when it’s arrived with your receiver.

    Join for free

    It’s free to register with Western Union. Register to start sending money to your loved ones in the United States.

    Sign up now

    Frequently asked questions

    How do I send money within the U.S.?

    You can send money online, with the Western Union® app, or in person at an agent’s location. Choose your payment method, enter recipient details, and confirm your transfer.

    Can I transfer money to a U.S. bank account?

    Yes. Select “bank account” as the delivery method, enter your recipient’s banking details, and complete payment. Depending on bank processing times, funds typically arrive within two to five business days.

    How do I send money to the U.S. from an agent location?

    Visit a Western Union agent, provide your recipient’s information, and pay with cash or card. Your recipient can pick up the transfer in cash or receive it in their bank account.

    What are the fastest ways to send money domestically?

    Cash-to-cash transfers are often available in minutes. Bank transfers can take longer depending on your recipient’s bank. Always check estimated delivery times before confirming.

    Are there limits for U.S.-to-U.S. money transfers?

    Limits on U.S. money transfers vary based on your transfer method, location, and profile verification. You’ll see any applicable limits before confirming your transfer.

    How long will a money transfer take throughout the United States?

    Timing for U.S. money transfers depends on the delivery method: cash pickup can be fast, while transfers to bank accounts may take two to five business days due to processing requirements.

    Still have questions?

    Visit our FAQs or simply get in touch. Our Customer Care team is just a call away.

    FAQ

    1 Additional third-party fees might apply.

    2 Western Union makes money from currency exchange. Fees and rates subject to change without notice.

    3 Transfer speed and funds availability may be affected by factors such as service choice, amount, destination, currency, regulations, ID requirements, and systems availability of our partners’ banking systems, and may not be available for all transactions. See Terms for details.