Michele Teboul, Copywriter   26 February 2020

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There are many transfer companies on the market offering a cash pick up. With such a wide selection of providers, it might be tricky to pick the one that suits you and your recipients the most.

To help you make an educated choice for your next money transfer, we have prepared a list of Western Union cash pick up alternatives for you to choose from.

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Choosing the best money transfer service for you - things to consider

It’s worth doing the research before you choose a money transfer company. Here are some factors to consider:

Speed. How long will it take for the money you send to be available for your recipient to collect?

Exchange rates and fees.  Compare the rate you’re offered to the mid-market rate: the rate banks and transfer services use when they trade among themselves. And make sure you really understand the fees you’re being charged. Is there any hidden cost in the final price? 

Pickup locations. Does the money transfer company you choose have agent locations in the area you’re planning to transfer funds to? Are they convenient for your recipient?

Payment methods. Can you pay with cash, credit or debit card or a bank account transfer?

Transfer methods. Can you transfer money online, by phone or with an agent? Does the provider offer an online app?

Customer support.  Make sure the company you choose offers 24/7 help if you need it.

Security. Make sure that the money company you choose is adequately regulated and for your peace of mind that your data is protected.

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1. WorldRemit

WorldRemit’s founder, Ismail Ahmed, understood too well the challenge many faced when sending money back home to their loved ones. A migrant himself, he’d experienced first-hand the inconvenience of high street agents and banks, not to mention their extortionate fees when sending money to his family and friends in Somaliland.

And so, in 2010, he decided to make a difference in an industry that supports millions of people exactly like him. He founded WorldRemit to bring an offline industry to a more streamlined online future.

Today, WorldRemit offers a fast, secure and low-cost online money transfer service via a website and app. You can seamlessly send money online from over 50 countries to 150 countries worldwide.

As well as offering an extensive cash pickup service in 86 countries, we offer a wide choice of transfer options - bank transfers, transfers to mobile money accounts and WorldRemit Wallet, as well as airtime top ups.


  • Speed – send money that will be available for pickup in minutes
  • Value for money – enjoy our low fees and bank-beating exchange rates
  • Convenience - both our website and app are simple to use and allow you to pay by credit or debit card.
  • Unbeaten network of cash pick up locations
  • Wide choice of transfer options
  • Higher transfer limit. Western Union has a transfer limit of $5,000.
  • First-time users get three fee-free


  • As the service is online, you cannot pay by cash.

How to make a cash pickup with WorldRemit 

  1. Select the country you want to send to on the calculator on our app or website
  2. Select ‘Cash Pickup’ service
  3. Enter the amount you want to send – you’ll see our low fees and exchange rate upfront
  4. You’ll be asked to log in or create an account if you haven’t already done so
  5. Add your recipient’s details or choose someone you’ve sent to before
  6. Pay online

You and your recipient will receive SMS alerts when the transfer has taken place, and when the funds are ready to collect.

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2. Western Union

Western Union indeed is one of the most established money transfer companies, dating back more than 160 years. It started as an offline company, but then for convenience, speed and security it went online and introduced WU.com at the start of the millennium.

Today, it’s available in 200 countries and territories across the world. And, with more than 500,000 agent locations worldwide, cash pickups are convenient, easy and accessible.


  • Huge global network 
  • Transfer options. You can send money for cash pickup or send a bank transfer
  • Payment method Western Union accepts payment via cash, bank transfer, credit card or debit card
  • Fast transfers. In many cases, the funds you send will be available for your recipient to collect within minutes 


  • High fees. Fees vary depending on the amount you’re sending and where you’re sending money to
  • Uncompetitive exchange rates. Western Union adds margins approaching 5% on top of the mid-market exchange rate, so you’ll might be able to find better rates from other online transfer services

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3. MoneyGram

MoneyGram is the second-largest provider of money transfers in the world. Their service is available in 197 countries with a huge network of agents including 7-Eleven and global convenience stores for convenient cash pickup. You can send your money online or through an agent. Plus, you can send:

  • Money for cash pickup, which will arrive in minutes
  • Bank transfers
  • Money to mobile wallets
  • Door delivery 


  • Speed
  • Currency and country range. With one of the most extensive reaches of any money transfer company, MoneyGram’s agents can be found all over the world
  • Choice of transfer options


  • Low maximum send limit
  • MoneyGram will generally have higher fees and poorer rates than other money transfer services. Plus, their fees can be hard to calculate.

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4. Remitly

Seattle-based Remitly is a well-recognised international money transfer that specialises in transfers to several countries in Asia and Central or South America. Its coverage is more limited than many other international transfer companies. 

You can send:

  • Money for cash pickup
  • Bank transfer

Remitly also offers two delivery speeds – Express and Economy. The Express option transfers within minutes, while the Economy option transfers within 3 – 5 business days at a fee of $0.


  • The app is easy to use
  • A choice of delivery speeds – Express and Economy
  • First-time users get a special rate
  • Good customer service


  • A limited selection of transfer options
  • Limited worldwide reach
  • Promotional offers are a little vague

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5. Xoom

Xoom was founded in 2001 and bought by PayPal in 2015. It’s now PayPal's international online money transfer service in the US.

With Xoom, you can send money online from the US and Canada. In seconds to 70 countries around the world anytime, anywhere. It offers minimal fees and competitive exchange rates.

Xoom offers three transfer options depending on the country you’re sending to. You can send:

  • Money for cash pickup
  • Bank deposit
  • Home delivery

You can pay for your transfer by credit card, debit card or US bank account, though you may be charged an extra cost if you pay with a credit or debit card.


  • Customer support. Phone and email support is available 24/7
  • Competitive and affordable.  
  • Safe and secure.
  • Money-back guarantee. You’ll be refunded in full if the money you send doesn’t arrive to your recipient.


  • Not worldwide
  • No live chat option. Though you can call or email Xoom for 24/7 customer support.

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6. Azimo

UK-based Azimo, founded in 2012, offers a way to get money from one of several dozen countries, mainly in Europe, to 200 countries around the world. Depending on the country you’re sending to you can send:

  • Money for cash pickup from 200,000 locations in over 50 countries worldwide – payment arrives instantly
  • Bank transfers
  • Airtime top ups
  • Money to mobile wallets

You can send your transfer online or use the Azimo mobile app. Plus, you can pay for your transaction through a bank transfer, credit card or debit card. 


  • Worldwide access 
  • A choice of transfer options 
  • Azimo offers a competitive money transfer solution


  • Not all transfer options are available to all countries 
  • No cash payments

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7. Ria

Ria was founded in New York City in 1987 to help migrants benefit from a more affordable way to send money to their family overseas. Ria offers both online and in-person transfers at agent locations at more than 272,000 locations in 149 countries. 

You can send:

  • Money for cash pickup – available in about 15 minutes
  • Bank transfers
  • Home delivery in a handful of countries

You can choose from a wide range of payment options, including bank transfer, credit card, debit card and cash in person.


  • Multiple transfer options
  • Multiple payment methods
  • Send money to more than 145 countries
  • Easy to use


  • Fees and exchange rates. You may be able to find lower fees and better exchange rates elsewhere
  • High fees when paying by card
  • Low maximum limit - online daily transfer limit is $5,000

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WorldRemit cash pickup: enjoy three fee-free transfers

WorldRemit compares very favourably with other transfer companies for sending money for cash pickup, so why not try it today? To get you started, we’re offering you 3 fee-free transfers. Simply use promo code 3FREE when you come to pay. 

Sign up and send 3 transactions for free with WorldRemit



Disclaimer: WorldRemit and its affiliates do not provide financial advice. This article has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for financial advice. You should consult your own financial advisors before engaging in any transaction.