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Send money to over 200 countries with Western Union

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

Western Union is a virtual ninja when it comes to global payment services, with a whopping 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, 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.

Book a transfer with Western Union

Rates last updated June 24th, 2018
Name Product Min. Transfer Amount Transfer Speed Services Description Online Transfer Fee Rate Amount Received
Western Union International Money Transfers
Same day
Online, Phone, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order
Send money online to friends and family around the world with Western Union.
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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Does Western Union offer competitive exchange rates?

Western Union updates its exchange rates regularly to keep up with fluctuating market conditions and offers competitive rates when compared to banks and even online money transfer services. The table below compares Western Union’s exchange rates to those of a dedicated money transfer service provider and a prominent Canadian bank.

1 CAD inTransfer Service (TorFX)Canadian Bank (TD)Western Union

Rates as of 16 February 2018 (subject to change)

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

Fees and foreign exchange rates depend on the amount sent, payment method (credit/debit card or cash), payment delivery method (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

Rates as of 16 February 2018 (subject to change)

Western Union is transparent when it comes to charging fees, so you should 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 sets a minimum transfer rate of at least $10 and a max of $999, but you can often visit a branch if you want to transfer a larger amount. And the best part is, you can transfer funds to over 200 countries in 135 currencies. Now that’s what we call progress!

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

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

  • 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, and your recipient can show up at a Western Union agent location and get cash in hand in minutes, which can be a real lifesaver in case of an emergency. In certain countries, money can also be deposited into a bank account or mobile wallet, although this process can take between 1 and 3 days.

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

  1. Log in to your profile. If you don’t have a profile, you can register for free on the Western Union main page (or by following the link [Go to Site] in the table at the top of this page.
  2. Choose country, amount and delivery method (cash).
  3. Enter your receiver’s name or bank account information.
  4. Pay with your credit or debit card.
  5. 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 doesn’t 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, but make sure to compare between three and four money transfer services to make sure you’re getting the most bang for your buck!

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