Western Union international money transfers

A fast, secure way to send money to over 200 countries.

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Western Union (US)

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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 in cash within minutes — but that convenience can cost you in fees.

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You get a multitude of options with Western Union

Unlike many of the newer money transfer providers, Western Union does not operate solely online. That means your recipient can pick up the funds as cash in person. In addition, funds can be deposited into a bank account, sent to a mobile wallet or loaded onto a prepaid card. You also have many options for sending the money. Transfer money online, through Western Union’s mobile app, in person or over the phone. Western Union also offers bill payments and money order services.

Best for:

  • In-person transfers. Western Union has over 500,000 global locations, making it easy to send or receive money in person.
  • Flexibility. Send or receive money almost any way you’d like.
  • Exotic countries. Choose from over 200 countries in more than 130 currencies.
  • Cash pickup. Your recipient can pick up the funds at an agent location in their country.

How much does Western Union cost?

Fees vary depending on many factors, including where you’re sending the money, the currency you’re sending, how you are funding the transaction and how the recipient will receive the money.

Calculate your fees and exchange rate

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 3 - 5 days USD 20.00 0.884 EUR 4,403 The biggest name in money transfers can get your funds to friends, family, or businesses in almost every corner of the globe. Show details

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

What types of transfers can I make?

Western Union deals largely in on-off transfers. But you have multiple options for getting your money where it needs to be. Choose from:

  • Cash pickup. Cash transfers sent online, by phone or in person are available for pickup within minutes at any number of agent locations worldwide. Transfers from your bank account can take one to three days to arrive.
  • Mobile wallet deposit. Funds sent online or from an agent location are deposited in minutes.
  • Bank account deposit. Expect to wait one to three days for funds to arrive if you pay with a credit or debit card online, while transactions from your own bank account online or by cash at an agent location take two to five days.
  • Prepaid card. Load money onto a prepaid card.

Available currencies and limits

The amount of money you can send in each Western Union international money transfer varies depending on the method you use. For example, you can send from $1 to $5,000 online, while the maximum mobile money transfer amount is $500. For transfers initiated by phone, you can send from $300 to $7,499, while there are typically no limits on the amount you can send from an agent location.

Keep in mind, however, that some countries will set limits on the amount of funds your recipient can access.

To send more than $3,000 online, sign up for the Western Union online foreign exchange service. This service allows you to send more than 140 currencies online that include:

  • US dollars
  • Great British pounds
  • Euros
  • Japanese yen
  • Canadian dollars
  • Australian dollars
  • Swiss francs
  • Thai baht

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. When sending using a smartphone, the same limits apply, although not all the same services are offered on mobile.

ServiceLimit per transfer
In Minutes, Three Day, and WU® Pay$2,999
Next Day$500
Mobile Money Transfer$500
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
Online FX International Payments$10,000 (can be raised)

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 do I use Western Union?

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 that 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 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

What 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 2015, Western Union managed more than $150 billion. That’s roughly 31 transfers every second.

Based in Englewood, Colorado, Western Union has more than 70,000 locations across North America. It deals in over 130 currencies in more than 200 countries, sending money online or through half a million agent locations, ATMs and kiosks around the world. 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.

What do customers say about Western Union?

Online reviews for Western Union are a mixed. They get a C rating from the Better Business Bureau, with 2.15 out of 5 stars based on customer reviews. However, TrustPilot gives Western Union a “great” rating, with 4 out of 5 stars. Reviews on TrustPilot range from “great service” to “very easy and fast to use.”

How do I contact customer support?

For customer support, you can access Western Union’s help center, chat with a representative online, send an email, call 1-800-325-6000, or mail a letter to Western Union Financial Services, Inc., P.O. Box 6036. Englewood, CO 80155.

How does Western Union protect my money?

Western Union protects your international money transfer using digital safeguards and a long history of service.

  • SSL technology. Western Union uses encryption technology to keep your bank and identifying information safe along every step of the transfer.
  • Backup for recipients without ID. If your recipients are in an emergency situation without ID, you can establish a test question to ensure that your funds are not delayed.
  • In business since 1851. Rest assured that Western Union has had many years to work out any kinks.
  • Publicly traded company. It has a reputation to uphold and shareholders to keep happy.
  • 24-hour customer support. It offers around-the-clock help online and by phone.

How do I report suspicious activity to Western Union?

If you receive an email or call from somebody claiming to be Western Union, do not click any links or provide any information. Western Union will never email you to confirm your ID, password or payment details. Instead, contact your local authorities or forward your email to spoof@westernunion.com.

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-size businesses manage their international transactions.
  • WU GlobalPay for Students. This web-based app helps students make and receive payments by bank transfer or credit card in the student’s local currency.
  • Military transfers. Send money to family members stationed overseas with Western Union.
  • Domestic transfers. Your transfers aren’t limited to other countries. You can even send money to friends and family in the US, or add money to a commissary account for someone in prison.

Compare Western Union to the competition

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Frequently asked questions about Western Union

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23 Responses

  1. Default Gravatar
    LynDecember 5, 2019

    Can I pickup the money at Western Union branch even its sent to my bank account?

    Thank you.

    • Avatarfinder Customer Care
      CharisseDecember 5, 2019Staff

      Hi Lyn,

      Thanks for reaching out to Finder.

      No- you will not be able to pick up the money in person at any Western Union agent locations. If your sender chose bank deposit as delivery/payout method, the money will be deposited directly into your bank account.

      I hope this helps.


  2. Default Gravatar
    IraSeptember 19, 2019

    I need to talk to a live person that can walk me through the process of sending money to Poland. I have never done this before I need to know how to advise the recipient. Can you call me please thank you

    • Avatarfinder Customer Care
      nikkiangcoSeptember 20, 2019Staff

      Hi Ira,

      Thanks for getting in touch! As of this time, we are unable to make outgoing calls however please see below on how to send money from US to Poland using Western Union.

      1. Log in or register for free.
      2. Choose the country and the amount you wish to send.
      3. Enter your receiver’s information.
      4. Choose the payment method and confirm payment.
      5. Once you receive your confirmation email, share the tracking number (MTCN) with your receiver for immediate cash pickup.

      Hope this helps and feel free to reach out to us again for further assistance.


  3. Default Gravatar
    SamiAugust 9, 2019

    What is the maximum amount that I can receive in Hawaii?

    • Default Gravatar
      BellaAugust 11, 2019

      Hi Sami,

      Thanks for your inquiry.

      As I checked, you can send from $1 to $5,000 online, while the maximum mobile money transfer amount is $500. For transfers initiated by phone, you can send from $300 to $7,499, while there are typically no limits on the amount you can send from an agent location.

      I hope this helps.

      Kind regards,

  4. Default Gravatar
    TiffJune 26, 2019

    How do I get money from Egypt if my MTCN keeps saying valid.

    • Avatarfinder Customer Care
      nikkiangcoJune 26, 2019Staff

      Hi Tiff,

      Thanks for getting in touch! Sorry to hear you can’t withdraw your funds.

      If your transfer shows “MTCN invalid”, this may mean that the MTCN is not correct (missing numbers or wrong number entered) try to check your MTCN again otherwise contact your sender and confirm the MTCN if it’s correct. As a last resort, contact Western Union. You can find their customer service number when you click the “customer support page”.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.


  5. Default Gravatar
    HassanApril 26, 2019

    How long does it take for my name to receive money from western union after flag up?

    • Avatarfinder Customer Care
      nikkiangcoApril 27, 2019Staff

      Hi Hassan,

      Thanks for getting in touch with Finder! Transfer speeds depend on which mode/method is used. If you send money to a bank account, your money is generally available within 1 or 2 days, depending on your receiver’s country. You can find more information on the transfer speeds in the FAQ page of Western Union’s site.

      Hope this helps!


  6. Default Gravatar
    KhairulApril 8, 2019

    I went to a few agent locations near me (Khulna, Bangladesh) but all of them said they don’t send only receive with WU. What can I do in this situation?

    • Avatarfinder Customer Care
      nikkiangcoApril 8, 2019Staff

      Hi Khairul,

      Thanks for reaching out! You may want to find other options for your money transfer and you can find some information about this by viewing this page. When sending money – it’s important to check the exchange rate beforehand to maximize the funds to be exchanged. Also, read through the transfer process of the provider such as transfer fees, transfer options and transfer speed to set expectations for the receiver. Take note of any reference or tracking numbers should any transaction delays come up during the transit. Hope this helps!


  7. Default Gravatar
    BrianMarch 20, 2019

    What is the limit on the amount of money I can receive in Ghana from an agent location.

    • Avatarfinder Customer Care
      johnbasanesMarch 21, 2019Staff

      Hi Brian,

      Thank you for reaching out to Finder.

      The limit for sending money to Ghana is $5000. Hope this helps!


  8. Default Gravatar
    AcoshMarch 6, 2019

    My question is,my fiancee is from singapore he always send me money thru western union but yesterday he tries to send me it declined and he tries my sister it go thru ,and he try again on my name its not successful, is there any problem with my name??

    • Avatarfinder Customer Care
      johnbasanesMarch 7, 2019Staff

      Hi Acosh,

      Thank you for reaching out to Finder.

      The transactions under your name may have been flagged by Western Union. The first thing that may be the reason is the amount of the fund transfers as well as the frequency of these transfers. You may need to contact Western Union directly to get the reason as to why your transactions are declined and get options to have it fixed. Hope this helps!


  9. Default Gravatar
    ObbreyFebruary 4, 2019

    What is the maximum amount one can send from USA to Zambia?

    • Avatarfinder Customer Care
      CharisseFebruary 4, 2019Staff

      Hi Obbrey,

      Thanks for reaching out to finder.

      You can send up to 1,676.45 USD from USA to Zambia, if you do it online. If you will be sending the money in person, the Western Union agent can tell you the maximum amount that you can send.

      I hope this helps.


  10. Default Gravatar
    BellaDecember 19, 2018

    Hi Mark,

    Thanks for your inquiry.

    Typically, it is the sender who shoulders the transfer fees. The transfer fee will be added to the sender’s total of money transfer.

    I hope this helps.

    Kind regards,

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