Western Union International Money Transfers Comparison

With more than 500,000 agent locations worldwide and a wealth of transfer options, Western Union makes it quick, easy and affordable to send money overseas

Western Union is the largest provider of international money transfers in the world, boasting in excess of 500,000 agent locations in 200 countries and territories around the globe. Western Union offers transfers made in person, online, and by phone that can be deposited into your recipient’s bank account or be available for them to pick up within minutes.

I want to send

to

Enter your details to speak to a foreign exchange expert

By submitting this form, you agree to finder.com privacy policy
Ofx Logo

Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options.

With over 17 years of foreign exchange expertise and over $100 billion transferred, OFX can help with all your currency exchange needs, including:

  • Buying property abroad
  • Emigrating
  • Regular overseas payments
  • Risk management
  • Forecasting
Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
USD 1 3 - 5 days USD 20.00 18.246 Online, Phone, Agent, Bank Account to Bank Account, International Money Order MXN 90,864 Big name in easy money transfers, with cash pickup at more than 500,000 locations worldwide. Show details
USD 0 3 - 5 days - - Online, Phone Your connection to global business, growth and profit. Show details

Compare up to 4 providers

How can you send money overseas with Western Union?

The easiest way to send money overseas with Western Union is to conduct an online international money transfer. The first step in the process is to sign up for a Western Union account online. This is free to do and only requires you to provide your name, contact details and information concerning your linked bank account, credit card or debit card.

If you’d prefer to place a transfer over the phone, Western Union operates a toll-free number which you can phone to send your funds. Just provide the details of your recipient, how much you’re sending, and your method of payment.

You can also send an international money transfer by visiting one of Western Union’s 70,000+ locations across North America. You can pay for these transactions with cash or a debit card, and you’ll also need to choose how you would like your recipient to collect the cash you send.

Western Union also provides multiple options when it comes to your recipient accessing the funds you send. The cash can be sent:

  • Directly to their bank account. If you pay online with your debit or credit card expect the cash to arrive within 1-3 days. However, if you pay cash at an agent location or send the cash straight from your own bank account transactions typically take between 2-5 days to process.
  • For pickup at an agent location. Send your money online, over the phone or by visiting an agent location and your funds will be available for collection within minutes. Funds sent from your bank account usually take from 1-3 days.
  • Directly to a mobile wallet. Funds transferred through a Western Union agent or online can be available in your recipient’s mobile wallet within minutes.

Money transfer locations near me

Compare Western Union to other global brands

You can calculate exactly how much it will cost to send a Western Union international wire transfer with their simple online Cost Estimator tool (valid for agent location fees only, not for send).

I want to send

to

Enter your details to speak to a foreign exchange expert

By submitting this form, you agree to finder.com privacy policy
Ofx Logo

Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options.

With over 17 years of foreign exchange expertise and over $100 billion transferred, OFX can help with all your currency exchange needs, including:

  • Buying property abroad
  • Emigrating
  • Regular overseas payments
  • Risk management
  • Forecasting
Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
USD 1,000 1 day USD 0.00 18.553 Online, Phone, Bank Account to Bank Account MXN 92,765 Exclusive offer: $0 transfer fee
No-limit transfers with competitive exchange rates for 100+ currencies.
Go to site Show details
USD 1 3 - 5 days USD 75.00 18.618 Online MXN
91,695
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
1 day - - Online, Phone, Bank Account to Bank Account Exclusive exchange rate discounts
No-maximum limit transfers with competitive exchange rates for 100+ currencies.
Go to site Show details
USD 100 3 - 5 days USD 5.00 18.534 Online, Phone MXN 92,579 Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000. Go to site Show details
USD 1 Within an hour - - Online, Bank Account to Bank Account, Cash Transfer Use promo code FREE to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details

Compare up to 4 providers

How much money can I send with Western Union?

Your limits will vary based on your transaction history, the recipient’s country, your location (state), and the service you choose.

ONLINE: When sending online your limits are typically as follows:

Service$ Limit
In Minutes, Three Day, and WU® Pay$2,999 per money transfer
Next Day$500 per money transfer
Mobile Money Transfer$500 per money transfer
Bill Payments/Quick Collect$2,500 per 7 days to a biller (certain states have a limit of $400 only)
Prepaid ServicesLimits vary by card issuer.
Prepaid ServicesLimits vary by card issuer.
Online FX International Payments$10,000 per transaction (and this limit can be raised)

SMARTPHONE: When sending using a smartphone the same limits apply as when sending online, although not all the same services are offered on the smartphone.

AT AGENT LOCATION: There’s usually no restriction on the amount of money you may send at an agent location. However, some countries set limits on how much can be received. If you have questions about a specific amount you’re sending or a specific country, you can call Customer Care to inquire.

ON THE PHONE: The money transfer limit ranges from $300 to $2,500.

How does Western Union keep my money safe? Boasting a network of more than 370,000 agent locations, Western Union protects your international money transfers using digital safeguards and a long history of service.

Learn more about Western Union and safety.

Pros and cons of using Western Union

Pros
  • Largest money transfer provider. Western Union is the world’s largest provider of international money transfers, with more than 500,000 agent locations around the world you can always easily access your funds.
  • Multiple transfer and pick up options. Western Union allows you to send from your bank account, credit card, debit card or using cash, and you can send funds online, over the phone, or by visiting a branch. There are also several ways in which your recipient can access the funds you send.
  • Fast and secure. Western Union is a trusted provider of safe and secure international money transfers, and when you need to send cash fast it is available to be collected within minutes.
Cons
  • Maximum transfer amount. The maximum amount you can send online with Western Union is USD $2,999; if you wish to send a larger amount you will need to sign up for an online FX account.
Compare Western Union Business Solutions for your business needs

What other products does Western Union offer?

  • Prepaid cards and money orders. These provide a range of options when you need access to funds in the US and around the world.
  • Consumer bill payments. Stay on top of all your bills with Western Union’s handy bill paying service.
  • Cross-border business payments. Western Union helps small and medium-sized businesses manage their international transactions.

Shopping for an alternative? Compare these services to Western Union for sending money.

Compare Western Union to other providers

Compare Western Union to…See Comparison
Western Union vs. Bank transfers
Western Union vs. CurrencyFair
Western Union vs. MoneyGram
Western Union vs. OFX
Western Union vs. PayPal
Western Union vs. Ria
Western Union vs. TransferWise
Western Union vs. Walmart-2-Walmart
Western Union vs. World First
Western Union vs. WorldRemit
Western Union vs. HiFX

Who is Western Union?

Founded in the mid-19th century as a telegram business, Western Union began offering electronic money transfers in 1871. Today, its global transfer network is huge, with more than 500,000 agent locations in 200 countries and territories around the world. In addition, it operates 100,000 ATMs and kiosks around the world and in 2014, Western Union managed $85 billion of consumer payments and almost $500 million of business transactions.

Based in Englewood, Colorado, Western Union has more than 70,000 locations across North America. Specializing in consumer money transfers, Western Union offers online, retail, mobile and ATM transfers. In addition, it also offers prepaid cards, consumer bill payments and cross-border business payments to its customers.

Western Union offers plenty of useful transfer and cash pickup options when you need to send money overseas. Before you commit to spending your hard-earned dough, of course, you should always make sure to compare all the available options and find the best deal.

Frequently asked questions about Western Union

Was this content helpful to you? No  Yes

US International Money Transfers Offers

Learn about our information service
HiFX International Money Transfers

Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000.

WorldRemit International Money Transfers

Use promo code FREE to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

World First Foreign Exchange

Exclusive offer: $0 transfer fee
No-limit transfers with competitive exchange rates for 100+ currencies.

TransferWise International Money Transfers

Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

Back to top

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and our Privacy Policy.

2 Responses

  1. Default Gravatar
    RobertMarch 29, 2017

    How much is the maximum a reciever can recieve from western union in a month in nigeria

    • Staff
      HaroldJuly 12, 2017Staff

      Hi Robert,

      Thank you for your inquiry.

      There’s usually no restriction on the amount of money you may send at an agent location. However, some countries set limits on how much can be received. If you have questions about a specific amount you’re sending or a specific country, you can call Customer Care to inquire.

      I hope this information has helped.

      Cheers,
      Harold