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Western Union Business Solutions review

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Western Union Business Solutions
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Managing cash flow and international payments around the world.

Western Union Business Solutions helps businesses of all sizes send and receive international payments 24/7. An arm of industry leader Western Union, WUBS enables businesses to make payments almost anywhere in the world and provides risk management services.

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Get customized rates and advice for your business

Western Union Business Solutions, or WUBS, helps your business get the best exchange rates by assigning a specialist who can research an individual plan for you in the following industries:

  • Education
  • Travel
  • Law

  • NGO
  • Health care
  • Financial institutions

These plans get you the best rates and minimize the risk of rate fluctuations when making international payments.

Business solutions

Western Union offers multiple ways to make international payments and helps your business manage risk. Here are the highlights.

International payments

With Western Union Business Solutions, your business has options for making payments, including:

  • Outgoing payments. Send global payments to almost anywhere in the world.
  • Incoming payments. Get paid with Western Union’s accounts receivable.
  • Mass payments. Send up to 10,000 payments at once.
  • Online payments. Conveniently make payments from your computer or smartphone.

Risk management

In addition to international payments, Western Union will help your business manage risk by:

  • Optimizing your cash flow.
  • Reducing your exposure to currency fluctuations.
  • Implementing a hedging strategy.
  • Protecting your profits.

How much does WU Business Solutions cost?

Transaction and handling fees vary depending on where you’re sending money. Whenever possible, Western Union Business Solutions keeps money in its banking network to avoid fees.

In some cases, it transfers money through correspondent banks that could possibly charge fees.

What other services does Western Union Business Solutions offer?

In addition to international payments, WUBS customers can receive payments from customers and conduct business in their native language through a number of services that include:

  • Cross-border business payments. Western Union helps small and medium-sized businesses manage their international transactions.
  • WU Edge. Through this free international platform, you can find business partners, make global payments and manage your cash flow and international transfers.
  • Online FX. This streamlined platform helps you send outgoing payments and transfers 24/7 from your computer or mobile.

Pros and cons of WU Business Solutions

Weigh the ups and downs of WU Business Solutions.


  • It’s secure. WUBS is backed by Western Union, an established company that’s been around for more than 150 years.
  • Recurring payments. Western Union saves your billing information so that you can make automatic, recurring payments.
  • Competitive exchange rates. And you can lock in those rates for future payments.
  • Customized services. An exchange specialist evaluates your business to get the best rates for you.
  • Customer service. Speak with a representative by phone 24/7.


  • Bank-to-bank transfers only. Unlike standard Western Union services, you can’t use cash or prepaid cards to fund a transfer.
  • Funding fees. Wire transfers can cost as much as $22.
  • Delayed delivery. Sending from a linked bank account can take up to 5 days for receipt.
  • No domestic payments. You cannot send money to and from the same currency.

How does Western Union compare to other services?

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
1 - 12 of 12
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
Cash App
Within minutes
From $0
With this peer-to-peer payment app make payments to your friends and family with no transfer fees within the US or from the US to the UK or EU.
24 hours
From 0%
New Instarem customers will get a special FX rate and zero-fees on their first transfer.
Instarem offers offers rewards on every transaction.
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
OFX International Money Transfers (Business)
24 hours
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
CurrencyTransfer for Business
24 hours
Increase business efficiency with zero transaction fees and same-day transfers.
24 hours
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Xe Money Transfer for Business
24 hours
Save your time and money with Xe Money Transfer for business.
Currencies Direct (business)
24 hours
Minimizes costs of international transactions and offers custom solutions for business clients. Currencies Direct may call you to confirm your transfer, so be prepared for a phone call shortly after initiating a transfer.
Within minutes
Xe has fast transfers with low fees and a range of foreign currency tools.
24 hours
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Currencies Direct
24 hours
CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates. Currencies Direct may call you to confirm your transfer, so be prepared for a phone call shortly after initiating a transfer.

How do I make international payments through WU Business Solutions?

To get started with Western Union Business Solutions, visit its website to set up an account. Be sure to have two forms of government-issued ID, like a driver’s license and a passport.

Each time you log in to your account, you’ll have access to your payment history. If you use WU Edge, you can even manage your funds through an easy-to-use dashboard.

Making payroll payments and sending money through Western Union Business Solutions is quick and straightforward.

  • Log in or create a free account. To create an account, you will need two forms of ID.
  • Provide your recipient’s details. Including their bank account information.
  • Initiate your payment. Select your currencies from the drop-down menus and enter the amount of your payment.
  • Provide your funds. Pay with a wire transfer, linked bank account or bill pay.

Bottom line

Western Union Business Solutions is a way for businesses of any size to streamline their international billing. Its customized service finds the best exchange rates and fees for your specific industry and business. Western Union is also available for personal transfers, which might be the right solution for your next in-person or global transfer for cash pickup.

But depending on your needs, be sure to compare the fees, rates and delivery speeds offered by other money transfer specialists before you part with your money.
Looking for an alternative? Compare services like Western Union to get the best rates and fees.

Frequently asked questions

In what countries does Western Union Business Solutions provide services?

Western Union Business Solutions is available in the US, Canada, the UK, Australia, Belgium, Austria, France, Germany, Italy, Ireland, the Netherlands, Chile, Colombia, Cyprus, Czech, Hong Kong, Malta, Malaysia, Jordan, Japan, New Zealand, Peru, Philippines, Poland, Singapore, Switzerland and United Arab Emirates.

How many payments can I make with Western Union Business Solutions?

You can make up to 10,000 payments with one call.

Does my contractor or employee need to have a Western Union account to receive payments?

No, you can send payments directly to a bank account. In some countries, you can even mail a money order to your recipient’s home or office.