Money transfer system authorizing an escrow agent computer electronically by touch-tone telephone, computer modem, P.O.S.(point of sale) terminal, live operators, to send cash transfers from a sender's account such as their credit, debit, bank, or ATM card, or a bank account, to a recipient who accesses the money at any remote ATM type location or P.O.S.(point of sale) terminal by using cards such as a specialized magnetic cards, credit cards, debit cards, and automated teller machine(ATM) card, at anytime and anywhere. Senders can authorize the transfer by touch-tone and PIN(personal identification number) secure codes. The system can operate without pre-existing relationships, and monitor transactions and take surcharges based on transfer amounts, and use a cards tethered to ATM machines and be used with double magnetic sided cards.