Digital Money Transfers Methods without a Bank Account

Did you know that you do not always need a bank account to send or receive cash? There are many services that let you transfer funds without a bank account! Here is a list of great ways you may transfer cash without needing a bank account. Check out GlobePax for the best financial sollutions.


There are great payment giants, like GlobePax and PayPal, that will allow you to send money. PayPal in particular is great because you can make an account with only an email address and phone number. To fund the PayPal wallet and withdraw cash, you will need a bank account. However, you can use the PayPal account itself to receive and send funds to another PayPal account. You can use your PayPal account to buy stuff at tons of online stores, pay for bills, etc., if you cannot cash out your PayPal balance using a bank account.

Money spread on a table.

Money Order

One survey made in 2019 stated that around 5% of people in America do not own bank accounts. Plus, some teenagers do not have bank accounts, but they may need to transfer cash. Thankfully, you can use online payment methods and other alternatives, like money orders.

Money orders are easy ways to send and get cash. Major retailers, grocery stores, post offices, and gas stations sell money orders for only a few bucks. Simply show your ID and fill up your money order; sometimes there is a fee to pay for at the counter to send the money order. You can mail the money order or give it to the recipient directly, and the limit is usually around $700-1,000. Keep in mind your recipient needs a legitimate ID to show the counter when they want to pick up the funds, and they need the money order you sent so the counter will release the funds.

Western Union

This company offers excellent services, particularly because Western Union has tons of locations all around the world. They also offer various services to transfer money without needing a bank account. Your fees tend to vary based on how much you are sending, the destination of the money, what option you select, etc. A bonus of Western Union is you may use their online website or app to send money. Simply pay for the transfer in a real-life Western union branch. The recipient can pick up the money in a variety of ways, and cash pick-up at a specific Western Union branch is a very popular method.


Venmo is a great way to get money without opening a bank account. However, if you want to fund your Venmo wallet or send funds to another person with an empty Venmo wallet, then you will need a bank account. Let us say though that you already have money in the Venmo balance; you can use that balance to send it to another Venmo account. Most of these transfers are free or have a small charge, and it is great for small transfers. However, you may need a bank account or card to cash out the balance.