Sending Money Abroad Without a Bank Account: Your Options Explained

Can I transfer money to someone in another country without a bank account?

Sending Money Abroad Without a Bank Account: Your Options Explained


Sending money to someone in another country can be a common need, whether you're helping out a family member, conducting business internationally, or sending funds to a charity. While bank accounts are the most conventional means of international money transfers, not everyone has access to them, and there are situations where you might wonder if it's possible to send money abroad without a bank account. In this blog post, we'll explore several methods that allow you to transfer money to someone in another country without requiring a bank account.

1. Online Money Transfer Services

Online money transfer services have emerged as a popular alternative to traditional banking for international transfers. Companies like Western Union, MoneyGram, and TransferWise (now called Wise) allow you to send money abroad, and in some cases, the recipient can pick up cash in person without the need for a bank account. These services often have physical locations or partners in various countries where recipients can collect the funds.

2. Prepaid Debit Cards

Prepaid debit cards can be an effective way to send money to someone abroad without a bank account. You load the card with the desired amount and send it to the recipient. They can then use the card for purchases or withdrawals at ATMs, making it a convenient option for accessing funds.

3. Mobile Wallets

Mobile wallet apps like PayPal, Venmo, or mobile banking apps like Revolut and N26 may offer international money transfer features. If the recipient has a mobile wallet account, you can send money directly to their account using their phone number or email address, without the need for a bank account.

4. International Money Orders

International money orders are a secure option for sending money to someone in another country. You purchase the money order from your local post office or a financial institution, fill it out with the recipient's name, and send it to them. The recipient can then cash the money order at a local bank or financial institution.

5. Cash Transfer Services

Some specialized cash transfer services allow you to send money to a recipient in another country. These services often have partnerships with local businesses or agents where the recipient can collect the cash. However, fees and exchange rates can vary widely with these services, so it's essential to compare your options.

6. Cryptocurrency Transfers

Cryptocurrencies like Bitcoin and Ethereum provide a decentralized means of transferring money across borders. If both you and the recipient have cryptocurrency wallets, you can send funds directly to their wallet address. Keep in mind that cryptocurrency values can be volatile, and there may be regulatory considerations.


Sending money to someone in another country without a bank account is possible thanks to a variety of alternative methods and financial services. However, it's crucial to research and choose a method that suits your needs and ensures the safety and convenience of the recipient. Consider factors like fees, exchange rates, and the availability of local pickup options. Additionally, be aware of any legal and regulatory requirements that may apply to international money transfers in your country and the recipient's country. By exploring these options and being informed, you can find a suitable way to send money internationally, even without a bank account.

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