How To Send Money To Someone Without A Bank Account 

Today, there are plenty of options to transfer money even if you don’t have a bank account. In this blog, we will cover some of the fastest and easiest ways to send money to someone without a bank account. Read to know more!
How To Send Money To Someone Without A Bank Account
How To Send Money To Someone Without A Bank Account 
Whether you’re sending money to family or to businesses across the world, there are multiple options that can help you transfer funds without the need for a bank account. From online money transfer to digital wallets, here's how you can send money to someone without a bank account.
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More than 5.9 million families in the US didn’t have a bank account till 2021, according to data collected by FDIC (Federal Deposit Insurance Corporation). While previously it was easy to transfer funds to a person’s bank account, today, money transactions know no boundaries. This blog explores how to send money to someone without a bank account. You can also use end-to-end encrypted Beem to send money online, even if you don’t have a bank account.

Methods for Send Money to Someone Without a Bank Account

Online money exchange providers, including Western Union and PayPal, offer ways to transact money seamlessly. However, whether these transfers can let you debit or transfer to a bank account depends on your region. You can also receive the money in cash or your online wallet. Let’s explore the popular methods to send money to someone without a bank account.

Money Orders

You can transfer money without a bank account by simply buying a money order at your local post office or grocery store. Pay for the money order in cash, with a credit card or pin-enabled Visa gift card. The person on the other end can receive the money by taking that money order to their source bank, post office or grocery store. However, you and your receiver may need to incur the charges for the money order.

Prepaid Debit Cards

It is considered to be one of the most accessible options. Instead of getting a debit card linked to a bank account, you can get a prepaid one. You can buy a prepaid debit card at retailers like Walmart, gas stations and convenience stores. 

Gift Cards

You can opt for Visa gift cards or retailer gift cards. These cards are open-loop gift cards based on network-branded cards, accepted in places they have their network in. You can get these at the local grocery store or online.

Online Payment Services

You may use credit or prepaid cards for apps like Venmo and Beem. Just enter your receiver’s name, email address or phone number, and viola, you can send the money by just entering the amount. The recipient will receive the money as a balance within seconds or minutes.

Digital Wallets

You can send money to your loved ones with the help of digital wallets. Using digital wallets, users can store their payment information and passwords and perform transactions, even using wireless technology. All you need is a linked mobile number to make a payment. Since they’re easy to use, they’re growing popular. You can use multiple digital wallets without having a bank account.

Factors to Consider When Choosing a Method

Here are some of the factors to consider when choosing a method to transfer money without a bank account:

  • Take into account the amount of money you need to send. Depending on the amount, certain methods are more likely to be suited. Wire transfers can send a considerable amount of money compared to a wallet.
  • The speed of transfer you need. Different methods take different amounts of time to process and reflect. 
  • The location you are sending the money to. Your source may be available at a different location than the receiver’s. Hence, check with the company if they serve at the receiver’s location.


These payment methods may be beneficial if you need help to use net banking or link your bank account. To choose a reliable service, it is vital to understand the risks involved with the methods described above. Use Beem to send money to your closed ones instantly without the need for a bank account.

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Team Beem

Team Beem brings you the latest in the world of personal finance to you. From tips and tricks on how to manage money to how to get cash for emergencies, Beem is your destination for all the information you need to be smart about your money.

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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