Western Union International Money Transfers


Send money overseas quickly and easily with Western Union international money transfers.

Western Union is a leader in global payment services, with 550,000+ agent locations and 100,000 ATMs and kiosks in over 200 countries around the world. From small businesses and global corporations, to families near and far away, to NGOs in the most remote communities on Earth, Western Union offers a convenient, secure and affordable way for Canadians to send money overseas.

Lodge a transfer either online, through the WU mobile app or in person, 24 hours a day, seven days a week. Send funds in cash or from your credit card, debit card or bank account to the recipient’s bank account or a mobile phone / prepaid card.

Rates last updated February 19th, 2018
Name Product Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received Description
The ‘Rate’ and ‘Amount Received’ displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

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Western Union exchange rates

Western Union updates its exchange rates regularly in line with fluctuating market conditions. The company offers competitive rates when compared to banks and even online money transfer services. However, it’s important to remember that fees will also apply to any transaction.

1 CAD inWestern UnionTorFXTD Bank

*Rates as of 16 February 2018

How much does it cost to transfer money with Western Union?

Fees and foreign exchange rates may vary based on a number of factors including the amount sent, payment method (credit/debit card or cash), payment delivery (cash or bank account) and destination country. The table below outlines one example of how fees vary when sending various amounts of money from Canada to India.

Amount Sent (CAD)Payment MethodPayment DeliveryFee (CAD)
$0 – 999Credit/DebitBank Account$5

To send over $999, you must use WU Online FX service.

Western Union is fairly transparent when it comes to charging fees – you will always get a full quote for the total amount that you need to send to them when booking your trade online or over the phone.

Minimum transfer amount and available countries

Western Union international money transfers must be a minimum of at least $10; you may need to visit a branch if you want to transfer an amount greater than $1,000. With more than 135 currencies available, Western Union lets you transfer funds to over 200 countries. With online services, you can send up to $999 per day.

What types of transfers can you carry out with Western Union?

Western Union offers a wide range of options when you want to send money overseas.

  • Online transfers. Lodge a transfer online via the Western Union website.
  • In-branch transfers. Schedule a transfer by visiting your local Western Union branch – the company has over 3,000 locations in Canada and 500,000+ agent locations worldwide.
  • Cash pick-up. Recipient can pick up funds in cash by visiting a Western Union branch.
  • Transfer to bank account. Funds can be transferred straight into recipient’s bank account.
  • Transfer to mobile phone. In select countries, Western Union will deposit funds into a mobile wallet (ie. electronic account linked to the receiver’s mobile phone).

If you need help lodging a transfer, you can seek assistance by visiting a branch. Customer service is also available through an online FAQ section, via phone and through email.

Login and Transfer Process

Sending money should be as convenient as checking your email or surfing the Web. With Western Union, you can send money online 24/7. Your receiver can pick up the money as cash in minutes of transfer at a Western Union agent location. In certain countries, money can be deposited in a bank account or received in a mobile wallet, although this process usually takes between 1 and 3 days.

Send money for cash pickup or direct to bank account/mobile wallet:

  • Log in to your profile. If you don’t have a profile, you can register for free.
  • Choose country, amount and delivery method (cash).
  • Enter your receiver’s name or bank account information.
  • Pay with your credit or debit card.
  • You’ll get a confirmation by email. Save the tracking number (MTCN) to share with your receiver for pickup. For direct to bank transfers, the money will be deposited into your receiver’s qualifying bank account.

Receive money for cash pickup

Recipients can pick up funds at any agent location, but will need to complete a “To Receive Money” form and include the following information:

  • MTCN (tracking number supplied)
  • Sender’s Name
  • Receiver’s Name
  • Expected Amount
  • MT Originating City and Country
  • MT Destination City and Country
  • Acceptable ID documents (such as passport)

Pros and cons of using Western Union


  • 135+ Currencies. Western Union can help you to transfer funds to over 200 countries around the world.
  • Fast processing times. Depending on the destination and currency, Western Union aims to deposit funds on the day of transfer.
  • Convenient. With over 3,000 agent locations in Canada plus an online mobile app and a user-friendly website, Western Union makes it easy to send money overseas.


  • Fees apply. Fees vary depending on amount and destination country.
  • Exchange rates. Unlike some other transfer services, Western Union does not offer mid-market exchange rates.

What other products and services does Western Union offer?

  • TravelWise. This travel card allows you to send money to yourself before you leave for your holiday and pick up your cash in the local currency when you arrive at your destination.
  • Business transfers. Western Union Business Solutions offers a wide range of international payment solutions for small businesses and larger enterprises, including attractive exchange rates and the ability to do business in over 200 countries.
  • Gold Card. This nifty card speeds up the money transfer process when you visit a Western Union agent location by storing the details of recipients you send money to on the regular.

Frequently asked questions about Western Union

Western Union provides a viable option if you’re looking to send money overseas quickly. However, it’s best to compare rates and fees from several money transfer services to find the best option for your needs.

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24 Responses

  1. Default Gravatar
    jodiAugust 17, 2016

    can you cancel western union money orders

    • Default Gravatar
      August 17, 2016

      Hello Jodi,

      Thanks for your question.

      Please be advised that they you have come thru finder.com and we are a financial comparison and general information provider. For this type of enquiry you may need to contact western union directly and have your tracking number ready to have your remittance cancelled. Please be advised that you may only be able to cancel it if the money hasn’t yet been picked up by the receiver.

      I hope this helps.


  2. Default Gravatar
    johnAugust 8, 2016

    can i send 4000$ to Nigeria

    • Staff
      ShirleyAugust 9, 2016Staff

      Hi John,

      Thanks for your question.

      Yes it’s possible to send AUD$4000 to Nigeria using Western Union.

  3. Default Gravatar
    JamesJuly 29, 2016

    How much too send $200.00 to Accra,Ghana

    • Staff
      ClarizzaAugust 1, 2016Staff

      Hi James,

      Thanks for your comment.

      You can find out more by going direct to Western Union’s site – click the green ‘Go to site’ button to be taken to the provider’s page. The fees for Western Union may vary depending on how much money you are sending and where you are sending it to. To help you work out how much your transfer will cost, the company has a handy price estimator on its website.

      Please note, we are a comparison website and provide general advice only.

      Hope this helps.


  4. Default Gravatar
    GeorgeMay 24, 2016

    Is there a western union agent at gatewick airport?

    • Staff
      ShirleyMay 25, 2016Staff

      Hi George,

      Thanks for your question.

      There is a Western Union agent at Ice Gatwick Airport. They are open from 6am to 7pm.

      Gatwick British Rail Concourse
      Gatwick International Airport
      Gatwick, Sussex RH6 0RD

      Hope this helps.

      • Default Gravatar
        akJuly 27, 2016

        How can i rearranged receiver name after money have been sent, so that receiver collect money, there is mistake in name arrangement ie. ABC to BCA

        • Default Gravatar
          July 27, 2016

          Hi Ak,

          Thanks for your Question.

          If you sent money through Western Union, you can only make minor typographical corrections to the recipient’s name on a regular money transfer by calling Western Union directly. This is provided that the money has not yet been picked up. However, corrections can’t be done on a prepaid money transfer.


  5. Default Gravatar
    GeorgeMay 23, 2016

    Can I send money from Australia and receive it in English pounds from an agent in turkey

    • Staff
      ShirleyMay 24, 2016Staff

      Hi George,

      Thanks for your question.

      Unfortunately you can’t pick up pound with Western Union in Turkey – the funds are converted to the Turkish Lira.

  6. Default Gravatar
    JakesFebruary 2, 2016

    Which are the closest locations for picking up money from Lenasia, 1820, Johannesburg, South Africa, and is it possible to pick money up on Saturdays?

  7. Default Gravatar
    msadDecember 13, 2015

    can I use my Medicare card to receive money in Australia

    • Staff
      ShirleyDecember 14, 2015Staff

      Hi Msad,

      Thanks for your question.

      Yes as long as you bring your government-issued ID, you should be able to pick up money at a Western Union agent location.


  8. Default Gravatar
    KelDecember 1, 2015

    Can I send same currency transfer. I am in Australia but I have USD to send to a country that uses USD?

  9. Default Gravatar
    RajendraNovember 14, 2015

    i want to send money to my friend in kenya ,mombasa,mtwapa.
    so which is the nearest western union location. and what are the procedures for money transfer to mombasa?

    • Staff
      BelindaNovember 16, 2015Staff

      Hi Rajendra,

      Thanks for your enquiry.

      You might be interested to read our page about how to send an international money transfer to Kenya here, where some of the Western Union locations are listed, as well as other global money transfer services.

      I can confirm that there are several banks that accept Western Union transfers near Mombassa, including ABC Bank Mombassa and Boa Nyali Branch Mombassa. You can search for specific locations on the Western Union website to find one that’s closest to your recipient.


  10. Default Gravatar
    lizJuly 1, 2015

    What would it cost to send $150.00 to the USA?

    • Staff
      JodieJuly 2, 2015Staff

      Hi Liz,

      Thank you for your comment.

      You have come through to finder.com , a financial comparison website, please go to Western Union’s website directly to find out how much it costs to transfer this amount through them. Alternatively you could use our international money transfer comparison to compare other money transfer services.