How To Transfer Money To Someone Else’s Bank Account

Updated on March 5, 2024

At a Glance

  • You can transfer money to someone else’s bank account through several methods, offering flexibility and convenience.
  • Options include depositing cash at the recipient’s bank, utilizing electronic transfer services like PayPal or Venmo, writing a check, purchasing a money order, using a cashier’s check, or opting for a wire transfer.
  • Each method comes with its unique requirements and considerations, such as obtaining the recipient’s account details or utilizing specific services for electronic transfers.
  • When choosing a method, it’s crucial to align it with your specific needs and prioritize secure fund transfers, ensuring a reliable and efficient process.

There are plenty of ways to ensure that the money you are sending ends up in the right person’s account. Gone are the days when you would have to wait in a long line at the bank to send a money order or even do basic transactions.

Whether you are paying rent or utilities or simply sending a gift to your family members, online transactions have made it very easy to move money. The processes are often simple and straightforward. But it is still good to know all the ways you can do it. The more choices you have, the better your chances of success.

Imagine you are stuck in a country with no mobile data and no way your friends can Venmo a quick 50 bucks. Check out the following methods so you are always prepared to take an alternative route if your favorite money transfer method is not available.

Can I Transfer Money To Someone Else’s Bank Account?

The most basic function of the money transfer option is to make sure you can send funds to a recipient account. It does not matter for what purpose you are transferring the money. In the end, it will be credited to your recipient’s bank account.

While giving cash directly to other people is handy, you might not always have that choice. Money transfer does not require any intervention of parties, and it is quite convenient.

6 Ways To Deposit Money Into Someone Else’s Account

There is more than one way to send money to another bank account. This article will detail some of the most popular methods of sending money to another recipient.

At the Bank

This is perhaps one of the most convenient and traditional ways of sending money to someone else. You can walk into the bank where you have your account and inform the teller that you wish to deposit a certain amount of cash. However, you need the full name and bank account number of the recipient to complete the transaction.

You can do this for both domestic and international transactions. However, note that some banks are now discouraging the process of depositing cash into someone else’s account due to the chances of fraud and money laundering.

Before you head to your bank branch to send money, give a call and make sure that the bank is still allowing cash transfers to recipient accounts.


This has been one of the best inventions of the century. Electronic transfers have made it easy for billions of people worldwide to connect with the click of a few buttons. In fact, you don’t even have to go to a bank in person to send money electronically. There are plenty of applications and services that will let you transfer money to anyone you want in the entire world. PayPal, Venmo, Zelle, Google Pay, and Transferwise are some of the most popular services that allow you to quickly transfer money electronically.

There is a catch. The recipient to whom you’re sending money must also be registered with the same service. As long as you are both using the same service, you can send the money to your recipient’s unique registration ID.

Most of these services can be easily operated from mobile apps or websites. There is no need for you to know the complete bank account details of the recipient. For example, PayPal only requires you to give the recipient’s ID or email address to send money.

Some apps, like Venmo or Cash App, will allow you to transfer money between mobile services to make it easier for users to continue the transaction. The money gets directly credited to the user’s bank account and not stored at any third party.

With a Check

Checks are a powerful financial instrument and are still used for a lot of financial transactions. Not every millennial or Gen Xer might be familiar with writing paper checks and sending them to a friend or family member, but this is still a good option if you are in a pinch.

If you have a checkbook, you can write down the account details and transaction amount on the check. Many banks that have stopped accepting cash transfers to other accounts still accept check transfers.

With a Money Order

Mailing cash might sound like a dangerous option to some people, but this is a very secure option. A money order is traced, and it can be easily retracted if it is stolen or damaged. Plus, you are paying the money in advance, so there is no need to maintain a minimum balance in your account. Money orders can be bought at Walmart, Western Union, or at the post office.

Filling out a money order is pretty similar to how you would fill out a check. This is delivered by a person or via mail. You have to make sure that you keep the receipt in case the money order is lost or stolen. This way, you will be able to cancel it from the place where you ordered it easily.

With a Cashier’s Check

A cashier’s check is not a conventionally utilized money transfer method nowadays, but it is still acceptable at some banks. There is no limit to how much money you can send with a cashier’s check.

However, the cost of sending a cashier’s check is higher than that of money orders. These checks are also available only at the bank, so you will not be able to pick them up at the post office or a convenience store.

With a Wire Transfer

Wire transfers are usually for transacting money between banking institutions. If you don’t have access to the recipient’s bank account, this is when you use a wire transfer. This is especially useful if you are using banks on a different channel, located internationally, etc.

Money transfers can be sent domestically or internationally. Domestic transfers cost very little. International wire transfers can be quite expensive, ranging from $10 to $50 or more. Considering that wire transfers are only done when the amount of money is huge, you also want to make sure that you have the correct account details of the recipient to send the wire transfer.

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There are plenty of options to send money from one user account to another. This is why if you are traveling and need to get money to people quickly or need a secure way of payment, it is good to know the available methods of money transfer.

Depending on the transaction price, the time it takes to transfer the money, and the method’s transparency, select the option that works best for you. Usually, financial apps are the quickest way to move money. But for many international transactions, you might not have any other choice than to wire money to the recipient.

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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