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Western Union fees explained

How much does Western Union charge to send money abroad?

Offering quick and secure transfers, with over 500,000 branches around the world, Western Union lets you send funds in person, online and over the phone. Our guide to Western Union fees shows the fees you should expect to pay.

Western Union international money transfer fees

Western Union charges different fees according to how you’re sending the money, where you’re sending it to and how you want your recipient to receive it.

Here’s a breakdown of Western Union’s fees for sending €250 and €1,000 from Ireland for cash pickup to a number of countries overseas, as of 24 May 2021.

€250 via bank transfer€250 via debit / credit card€1,000 via bank transfer€1,000 via debit / credit card
Nigeria (USD)€2.90€2.90€2.90€2.90
Poland (PLN)€2.90€2.90€2.90€2.90
India (INR)€2.90€2.90€2.90€2.90
China (USD)€2.90€2.90€2.90€2.90
Philippines (PHP)€2.90€2.90€2.90€2.90
Hungary (HUF)€2.90€2.90€2.90€2.90

Visiting a Western Union location and making a cash transfer may incur different fees from those advertised online. Similarly, contacting Western Union and making a transfer over the telephone may also result in fees that differ from those shown online.

How can I avoid Western Union fees?

The cheapest way to send money abroad with Western Union is a bank transfer directly to the recipient’s bank account. In many instances, it was very low or even free when we checked the rates for sending €250 or €1,000 to the countries in the table above.

Check if there are any Western Union promo codes available

How about any hidden fees?

On top of any upfront fees, Western Union also adds a margin on top of the mid-market exchange rate. The size of this margin varies depending on the currency you want to transfer.

For example, if you want to send money to Australia from Ireland, Western Union adds a margin of 10%:

  • Mid-market rate: 1 EUR = 1.58 AUD
  • Western Union rate: 1 EUR = 1.4211 AUD

While to send money to India, Western Union adds a margin of 2.8%:

  • Mid-market rate: 1 EUR = 89.05 INR
  • Western Union rate: 1 EUR = 86.4929 INR

Compare Western Union with other international money transfer services

Name Product Minimum Transfer Transfer Time Transfer Fee
Wise (TransferWise) - Ireland
EUR 1
1-2 days
Varies
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
CurrencyFair - Ireland
EUR 5
1-2 days
Varies
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Azimo - Ireland
GBP 10
Instant
Varies
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.
XE Money Transfers - Ireland
EUR 1
Same day
EUR 2
XE has fast transfers with low fees and a range of foreign currency tools.
WorldRemit - Ireland
EUR 1
Same day
Varies
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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Find out more about how to make an international money transfer from Ireland

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