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If you are planning to send or receive funds through a money transfer but are not in your home country, then get ready to deal with a lot of issues when you do not have a bank account in the country you are in.

Don’t worry though, there are still systems that let you wire cash to the other person through a location based service which requires recipients to give a password in order to collect the money.This system has been massively tightened as a result of the attacks on September 11 as this was the easiest way for terrorists to send money around the globe. Now, usually both the sender and recipient must present identification to take advantage of this form.

Brazilian immigrants based in the U.S. consistently transfer money an average of just once a month. Experts estimate it averages out to 400 U.S. dollars a month.

The U.S. isn’t the only major nation transferring funds Brazil, however. Brazil also receives remittance from Japan at an average of once a month. Japan however, averages the equivalent of 600 U.S. dollars a month, making it one of the leaders in contributing nations.

So how exactly do people even get that money there? Some use a bank’s wire service, which requires both parties to have an account with the bank. This doesn’t always work considering the sender may not be able to open an account because of their immigration status, or the receiver may not be in a state where they can open up any kind of account in Brazil – a huge reason why people leave the country for countries like the U.S. or Japan.

People have also usedhave also turned to courier services or more traditional mailboxes. But not only do options like these take anywhere from days to weeks before the money arrives, there is also the question of how reliable the system really is. Oftentimes, the money wired through these systems never even arrives.

Those needing to send money to Brazil may do so using one of the numerous offline services. Beware though, the exchange rate converts one U.S. dollar into two Brazilian Reais not to mention an additional 10% fee – give or take a few percentage points. After all is said and done you’ll be left with less than if you were to just transfer the money within the United States.

Yet another option is to wire money through a pre-paid ATM or debit card. The sender simply buys the card and sends it through FedEx, a well-known courier service.

The card only costs about and you are allowed to send up to $1000. You can also trust that the funds will arrive safely and your recipient will not be forced to wait by the mail every day or even have to go to one of the location-based companies just the get the money. The even greater perk of this method is that to add money the sender simply jumps on the phone or the web to add cash to the card in just minutes. It’s no wonder so many more people are turning to this option – it is by far one of the fastest, most convenient ways to transfer. This way seems to be much safer than traditional methods that have been around for years.