Send an international money transfer online with Western Union

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Quickly and easily send money overseas online or in person with Western Union.

Western Union is the world’s largest money transfer company. The service allows you to make quick and easy money transfers to more than 200 countries around the world, and it has been helping people to send money for over 135 years.

$1

Min. Transfer Amount

$7,500

Max. Transfer Amount

Same day

Transfer Speed

Details

Product NameWestern Union International Money Transfers
Min. Transfer Amount$1
Max. Transfer Amount$7,500
Transfer MethodsOnline, Phone, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order
Transfer OptionsOne off payments
Transfer Speed
Minimum transfer time
Same day
Customer ServicePhone, Email
Available CurrenciesAED, AFN, ALL, ANG, AOA, ARS, AUD, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SLL, SOS, SRD, STD, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, ZAR, ZMW
Online Transfer Fee$15
Exchange Rate UpdatesReal time

Pros

  • Offer services to over 200 countries
  • 500,000 agent locations for cash pickup
  • Wide range of transfer options available

Cons

  • Transfer fee applies
  • Not the best exchange rate

Western Union's coronavirus response

If you’re used to sending money in person and can no longer access brick-and-mortar stores due to lockdown, WU has launched the Digital Location program. We understand this can be a complicated shift in your money sending routine, so please refer to the Digital Location section of this guide for more information on where to find a Digital Location and how to use it.

Western Union exchange rates

Western Union updates its exchange rates regularly in line with fluctuating market conditions. As you’ll see in the comparison table below, 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 HKD inWestern Union / (Inverse)HSBC / (Inverse)OFX / (Inverse)
USD0.1261/ 7.930.1280/ 7.810.1272/ 7.86
GBP0.0946/ 10.60.0966/ 10.30.0954/ 10.5
CAD0.1643/ 6.090.1675/ 5.97 0.165/ 6.04
JPY13.584/ 0.0714.2227/ 0.0714.0703/ 0.07
EUR0.1073/ 9.320.1093/ 9.150.1080/ 9.26
AUD0.1664/ 6.010.1695/ 5.900.1677/ 5.96
PHP6.7729/ 0.156.8966/ 0.156.6660/ 0.15
CNY0.8080/ 1.240.8220/1.220.8025/ 1.25
THB4.0568/ 0.254.2608/ 0.234.0845/ 0.24

*Rates as at 9:23pm on 13/6/2018

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

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.

As an example, sending HKD$1,000 cash to United Kingdom will incur a transfer fee of HKD$15 which is reflected in the screenshot below. This fee may vary depending on the country you are sending or the transfer service you pick. Check the price estimator to see how much your transfer will cost.

*Screen shot taken 13 June 2018


Maximum transfer amount and available countries

After your first registration and login, you will be able to send up to HKD$7,500 per day or per transaction. With more than 135 currencies available, Western Union lets you transfer funds to more than 200 countries. While no list of excluded countries can be found online, the company does not offer transfers to a few select countries such as Iran and North Korea.


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. You can lodge a transfer online via the Western Union website.
  • In-branch transfers. You can schedule a transfer by visiting your local Western Union branch – the company has over 500,000 agent locations worldwide.
  • Cash pick-up. Your recipient can pick up the funds by visiting a Western Union branch.
  • To a bank account. Funds can be transferred straight into your recipient’s bank account.
  • To a mobile phone. In select countries, Western Union allows you to deposit funds in a mobile wallet, which is an 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.


The registration and transfer process

  1. Registration. You’ll need to register with Western Union in order to use its money transfer services. You can do this online via the website in less than five minutes. Only Hong Kong nationals or residents can register for the Western Union service in Hong Kong.
  2. Identification. As part of the registration process, you’ll need a Hong Kong government issued passport and identity card for identification purposes, so have these handy. You will also need to provide your residential address. You also need to be over 18 years of age.
  3. Make a transfer. Once your profile has been created, you can lodge transfers online or in person at a branch. You’ll simply need to supply your recipient’s full name and address, plus a credit, debit or prepaid Visa or Mastercard issued by an Hong Kong bank.
  4. Transfer complete. Though funds availability can be affected by factors such as agent location hours, funds are typically available for your recipient to pick up within minutes.

Pros and cons of using Western Union

Pros

  • Currencies available. Western Union lets you transfer funds to more than 200 countries around the world.
  • Money in minutes. In many cases, your recipient is able to access the funds within minutes.
  • Better exchange rates than banks.Western Union typically offers exchange rates that are slightly better than those offered by banks.

Cons

  • Fees apply. From the example above, a standard fee of $HKD15 will apply to your transfer.
  • Rates could be better. You’ll typically be able to find better exchange rates from some online money transfer companies.

What other products and services does Western Union offer?

  • Business transfers. Western Union Business Solutions offers a range of international payment solutions for small businesses and larger enterprises. It offers attractive exchange rates and the ability to do business with more than 200 countries.

How does Western Union compare to other providers?

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 10 1 - 2 days HKD 140.00 0.129 USD
1,272
以透明的匯率,低收費及低最低金額的網上服務作匯款。 Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
USD 5 1 - 2 days HKD 25.00 0.128 USD
1,274
可用15+種貨幣匯款,享有超越銀行的匯率以及快速轉賬時間。 Get bank-beating exchange rates and fast transfer times on 15+ popular currencies. Go to site Show details
SGD 1 1 day HKD 42.00 0.129 USD
1,285
你首兩次港幣$15,000或以下的匯款,手續費全免。Pay no fees on your first two transfers, up to HK$15,000.
象徵式收費以及中間價匯率,可匯款至高達30多個國家。 Transfer money to over 30 countries with nominal fees and the mid-market exchange rate.
Go to site Show details
USD 50 1 day HKD 35.00 0.129 USD
1,285
快捷又簡單的國際匯款服務,大部分匯款收取固定的0.5%手續費。部分貨幣更不設保證金率。 Quick and simple international money transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies. Go to site Show details
USD 1 1 day HKD 0.00 0.128 USD
1,285
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用超過130種貨幣匯款。 Send money in more than 130 currencies.
Go to site Show details
USD 1 Within an hour HKD 20.00 0.128 USD
1,282
提供現金提取、銀行戶口之間轉賬與及Airtime匯款選擇的網上匯款服務,。 An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
USD 100 1 day HKD 0.00 0.128 USD
1,285
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用45種貨幣匯款。 Send money in 45 currencies.
Go to site Show details
GBP 5,000 1 - 2 days HKD 0.00 0.128 USD
1,285
可匯款至20+個國家,無手續費。 Transfer money to 20+ countries with no transaction fees. Go to site Show details
USD 2,000 1 day HKD 0.00 0.128 USD
1,285
TorFX保證提供最佳的匯率。需受條款約束。TorFX guarantees to match any competitor's exchange rate.
以30種貨幣匯款到全球。登記後,將會有一個客戶經理提供支持和引導。Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

FAQs about Western Union

Western Union provides a viable option if you’re looking to send money overseas quickly. However, compare the rates and fees this company offers with those of other money transfer services to find the right service for you.

Got it – what do I do now?

If you believe Western Union can help with your money transfer needs, click on the green “Go to Site” button at the top of this page to be securely taken to the Western Union website where you can source a quote.

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