When someone sends you money on WhatsApp, you receive it in your local currency through the delivery method the sender chooses. The most common options are a deposit to your bank account, a top-up to your mobile wallet, or cash pickup at a payout location. You do not need WhatsApp yourself to be paid, and what you need depends only on the delivery method.
How the money arrives
- The sender starts the transfer and picks how you will receive it: bank deposit, mobile wallet, or cash pickup.
- The amount is converted to your local currency at the rate the sender saw before confirming.
- You receive the money through that method, often with a notification or reference number.
- For cash pickup, you collect the money in person with a valid ID and any reference the sender shares.
Delivery options and what the recipient needs
| Delivery method | Recipient gets | What the recipient needs |
|---|---|---|
| Bank deposit | Funds in their account, local currency | Account number and bank details |
| Mobile wallet | A wallet top-up, local currency | An active mobile wallet and phone number |
| Cash pickup | Cash at a payout location | A valid government-issued ID and the reference |
Delivery options vary by country. Some countries support all three methods, while others are bank-transfer only or do not offer cash pickup. The sender sees which options are available for the destination before confirming, so it helps to agree on the method ahead of time.
What this means for you as the recipient
As the recipient, you do not need a MAJORITY membership to be paid, and you do not need a Social Security number. You receive your local currency through the method the sender chose. For a bank deposit, share your account details with the sender. For a mobile wallet, make sure the wallet is active and give the sender the right phone number. For cash pickup, bring a valid government-issued ID and the reference number to the payout location.
On the sender's side, sending money on WhatsApp is included with a MAJORITY membership, so you pay a $0 MAJORITY transfer fee. Sending on WhatsApp without a membership is $1.99 per transfer. Other fees may apply: cash pickup may carry a fee depending on the destination country. For current pricing, see the MAJORITY send money page. The sender always sees our competitive exchange rate and any fee before they send.
Related resources
- How to send money on WhatsApp with MAJORITY for the full step-by-step on the sender's side
- What you need to send money on WhatsApp for sender eligibility and the no-SSN details
- Is it safe to send money on WhatsApp? for safety and how to avoid scams
Frequently asked questions
How do I receive money sent on WhatsApp?
You receive it in your local currency through the method the sender chooses: a deposit to your bank account, a top-up to your mobile wallet, or cash pickup at a payout location.
Do I need WhatsApp or a MAJORITY account to receive money?
No. The recipient does not need WhatsApp or a MAJORITY membership to be paid. You only need what the delivery method requires, such as bank details, an active wallet, or an ID for cash pickup.
What currency will I receive?
You receive your local currency. The sender's amount is converted at the exchange rate they saw before confirming the transfer.
Are bank deposit, mobile wallet, and cash pickup available everywhere?
No. Delivery options vary by country. Some countries support all three, while others are bank-transfer only. The sender sees the available options for the destination before confirming.
What do I need for cash pickup?
A valid government-issued ID and the reference number the sender shares with you. Bring both to the payout location to collect the money.
Disclosures
The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products or services such as money transfers and telecom services are not FDIC-insured.
These services are not FDIC-insured.
MAJORITY earns money on the foreign exchange rate on all transfers.
Transfer limits apply and vary per member.
MAJORITY Visa® Debit Card is issued by Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.