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How to Send Money to Someone Without a Bank Account?

How to Send Money to Someone Without a Bank AccountThe choice of the best ways to send money without banking accounts depends on individual circumstances, such as the regularity of transactions, the amount, the convenience of funds receiving. Let’s consider top ways to send money, define their features, advantages and pitfalls.


TransferWise is a UK money transfer service launched in 2011. TransferWise was created specifically to make the transfer of funds as profitable as possible at the real rate and without hidden fees. It takes an average of 2.5 minutes to complete the transfer. The money will be delivered to the addressee within one business day. The commission is only 1.6%.

TransferWise can transfer money via over 750 currency routes. You need to follow a few simple steps to make a transfer:


ePayService is an international service created for easy payments between businessmen and IT specialists. The main mission of the company is to simplify the settlement procedure between commercial organizations and optimize payroll systems, but it also provides a wide range of services to private clients.

With ePayService, you can:

Registered users can also order virtual or plastic cards from the service, which will simplify the procedure for cashing funds from an account.

Payment system fees are:


MoneyGram is another international financial transfer company. The company has a network of 350,000 departments and serves 196 countries around the world. It has the following services:

In order to send a transfer, you will need to visit one of the MoneyGram departments, where the company’s specialist will help you arrange the transfer. At the end of the transaction, the sender will get a receipt, which will contain an 8-digit code. It must be sent to the addressee – these are check digits for receiving the transfer. Using these figures, you can also track the status of the translation on the website.

If the transfer was made to a bank account or e-wallet, then the money is credited immediately to the details.

MoneyGram fees may differ depending on the destination and the amount transferred.


WesternUnion was one of the first companies to start providing money transfer services. With the help of the company’s services, you can send money in cash by visiting one of the partners’ offices or arrange and pay for the transfer directly on the official website.

The company’s safety and reliability is confirmed by a long history of existence. WesternUnion was founded back in 1851 and today is one of the market leaders.

For sending $1,000, you will need to pay $35 commission. Detailed calculations depend on the type of shipment, payment method and currency of receipt. For the convenience of customers, an online calculator is presented on the official company’s website, which allows you to calculate everything in advance.


The British company “Revolut” is called the “card revolution”. This is a radically new solution in the field of banking services – no commissions for currency conversion, cash withdrawal from cards at ATMs, and so on.

This is a truly international card with which you can transfer money without commission. The company’s profit is dividends from the issuance of MasterCard cards.

To become the owner of the Revolut card, you need to set up the official AppStore or PlayMarket application. Immediately after authorization, you will receive a ready-to-use virtual card, and if you wish, you can order a real one.

The plastic card will be issued and delivered within 15-20 days. The card supports many currencies. This means that you can open an account in any currency and fund it by bank transfer, transaction from another card or in any other way completely free of charge and instantly.


The international money transfer system RIA Money Transfer is the third largest company providing foreign money transfer services to individuals. The company has a network of over 235,000 departments in 133 countries.

Payments are sent in euros or dollars using an addressless technology, similar to Western Union or MoneyGram. Available payment limit from $1 to $5,000. Transfer commission 2.3% of the amount, but not less than $ 2.5 for each transfer.


WebMoney Transfer is a popular international money settlement system founded in 1998. You can open an e-wallet in the system in most national currencies.

Users can exchange money stored in e-wallets between open wallets, transfer to other users of the system, transfer money to cards and accounts in local banks, pay for goods and services with them.

For each transfer of funds to another user, the system charges a commission of 0.8%. The maximum commission depends on the type of e-wallet.

Transfer to an international bank card

One of the most common ways to send money is a regular transfer to an international bank card. Today, almost every bank in the country can open such a bank. The difference between an international card and an ordinary one is that it will be opened in dollars or euros, and is also designed to accept payments in foreign currencies and be used around the world.

However, keep in mind that this option has many disadvantages. Key ones are:

Another drawback of this method is that if something happens to the card or it is lost, it will take a long time to issue and re-send it.