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InterCambio Express is an international money transfer service offering online and in-person money transfers to 19+ countries, bill payment, and mobile phone top-ups through 70,000+ agent locations.
Data compiled from public sources
InterCambio Express operates as a money transfer and financial services company with both digital and physical presence across multiple states. The company provides international money transfer capabilities, allowing customers to send funds to over 19 countries through their website, mobile app, or agent network. In addition to core money transfer services, they offer bill payment options and mobile phone top-up services at their numerous agent locations.
The company emphasizes transaction tracking, security compliance, and multilingual customer support available seven days a week through phone, chat, and WhatsApp channels. InterCambio Express distinguishes itself through its extensive agent network of over 70,000 locations where customers can conduct transactions in person, combined with digital channels for online transfers. They maintain compliance documentation, fraud alert systems, and a referral program.
The company also operates an automated agencies site and accepts both online and agent-based transactions. S. states with international reach to Latin American and other destination countries.
While InterCambio Express provides legitimate money transfer services with security tracking and compliance measures, the website lacks detailed pricing information, fee structures, and exchange rate transparency. Customer reviews or ratings are not available on the provided website content. The company's primary focus remains international remittances rather than domestic check cashing, though they may offer related services through their agent network.
This is state-level context for Check Cashing & Money Services consumers in Phoenix, AZ. It does not confirm that Cambio Express or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
Short-term lending status: Banned
General rate context: 36% APR cap on consumer loans; payday lending banned since 2010
Arizona banned payday lending in 2010, providing strong consumer protections against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions or the Attorney General's Consumer Protection Division.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Cambio Express offers 12 services including International money transfers to 19+ countries, Online money transfer via website, Mobile app-based money transfers, In-person money transfers at agent locations, Bill payment services, and 7 more.
Cambio Express has profile signals associated with Spanish-speaking immigrants sending money to family in Latin America, Customers without traditional bank accounts needing bill payment services, International workers requiring frequent cross-border money transfers.
Key strengths: Operates 70,000+ agent locations for in-person money transfers and bill payments; Serves 19+ countries for international money transfers; Offers online money transfer capability via website and mobile app. Areas to consider: Website does not disclose specific fees, exchange rates, or transfer costs; No customer reviews, ratings, or testimonials provided on website.
In the Check Cashing & Money Services category, comparable providers include ACE Cash Express, Amigo Check Cashing, Ria Money Transfer - Universal Check Cashing. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
InterCambio Express is profile signals for Spanish-speaking customers and international workers who need to send money to Latin America and other destination countries through a combination of digital and physical agent channels. The main caveat is that pricing, exchange rates, and transfer fees are not disclosed on their website, making it difficult to compare costs with competitors before initiating a transfer.
760 N Country Club Dr in Mesa, AZ, this ACE Cash Express provides check-cashing and cash advance services.
Profile signals: Unbanked or underbanked consumers needing immediate access to cash through check cashing, Individuals requiring money transfer or bill payment services without traditional bank accounts
MoneyGram location at Amigo Check Cashing offering check cashing, money transfers, and cash services in Avondale, AZ with extended daily hours.
Profile signals: Consumers needing after-hours check cashing on weekends or evenings, Individuals requiring quick money transfers without a bank account
Ria Money Transfer is a global remittance provider offering international money transfers to 190+ countries through 600,000+ locations, with online, mobile app, in-person, and WhatsApp sending options.
Profile signals: Immigrants and migrant workers sending regular remittances to family in Latin America, Africa, Asia, and Europe, International business professionals needing to move funds across borders quickly and reliably
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