How to Send Money Without Debit or Credit Cards

Sending money without debit or credit cards is simple.

Sending money without a debit or credit card is as easy as walking into a bank or money transfer store. You can send money to a friend's checking account, make a cash payment to a creditor or send money for someone to pick up at another location. The process takes only a few minutes and money can be available to the recipient almost instantly.


Step 1

Take cash into a store offering money transfer services, such as payday loan or check cashing stores. You also can find money transfer stores inside grocery stores and some major retail stores. Tell the clerk you wish to send money to someone or that you want to send cash to pay a bill.

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Step 2

Select from the available methods of delivery. Some money-transfer transactions can be completed quickly with your recipient receiving cash within minutes. You can also choose to make the money available the next day and save on the delivery fee.


Step 3

Take the proper form from the clerk and fill in information such as your name and address, as well as the address of the recipient. If you are paying a bill you will also need the name of the creditor and your account number. The clerk will confirm that your creditor can receive electronic payments, and enter the coding on the money transfer form after you have finished entering your information. Give the form and the cash to the clerk, along with the fee for the service. Take your receipt and note the confirmation number. Your friend can collect the cash at a money transfer store in her city by presenting identification. Check with your friend or creditor to confirm that the cash was received. Continue to the next step if you would rather send cash using a bank.



Step 4

Contact your intended recipient for the cash and ask him for his bank's routing number and his checking account number. He can find this information on one of his personal checks or by calling his bank. The routing number is a nine-digit number at the bottom left of the check, and the account number is a block of numbers immediately to the right of the routing number. Take this information into your bank and tell the clerk you wish to send cash using a wire transfer. Fill out any paperwork and give the clerk the cash. Pay the fee and wait while the clerk executes the transfer. Take your receipt and call your friend to confirm that the cash was transferred into his checking account.


Money transfer stores in your city also may have online options for transferring money. There are Web-only money transfer agents as well. These options also allow you to send money without using a debit or credit card. Typically, you would open an account with the online money transfer store by visiting the website, filling out an application and authorizing an initial deposit from your checking account. You may also be able to open an account and make an initial deposit in cash at a local money transfer store. Once the account is set up you'll be able to log into the account and make money transfers using the cash you have on deposit. You can add to your balance by authorizing additional transfers from your bank account or taking cash into a money transfer store.



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