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Alternatives to Western Union

Is Western Union’s extensive network worth the extra fees and less competitive exchange rates?

Western Union is a global brand with physical locations and cash pickup hubs in more than 200 countries, but its high fees and weak exchange rates may be driving you to seek out alternative options. Finding better exchange rates may be what brought you here, but these competitors have even more to offer than that.

We’ve listed out some of the more popular alternatives and highlighted what features they have that Western Union doesn’t.

WorldRemit logo
  1. WorldRemit

WorldRemit supports a large number of countries, currencies, payment and transfer options.

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Why pick WorldRemit instead?

  • Flexible payment options
  • Quick transfer options
  • Transfer to mobile wallet accounts

Downsides

  • Small daily maximum transfer amount of $9,000
  • Mobile airtime, cash pickups and door-to-door transfer not available in every country
XE Money Transfer Logo
  1. XE Money Transfer

XE offers individual transfers in addition to its business account services, so you can use it for more than just sending money to friends and family abroad.

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Why pick XE Money Transfer instead?

  • Low transfer fees
  • Max transfer is $500,000 per transaction
  • Support for over 55 currencies

Downsides

  • Bank-to-bank transfers only (no cash pickup)
  • No credit card payments allowed for international transfers
wise logo
  1. Wise

Wise uses a peer-to-peer exchange system that allows you to exchange your funds with others seeking to convert their money to your currency.

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Why pick Wise instead?

  • Straightforward fees
  • Offers mid-market exchange rates
  • Maximum transfer of $1,000,000

Downsides

  • High fees can offset the benefits of mid-market exchange rates
  • Only allows transfer to bank accounts
  • Requires a Social Security number (SSN) in the US to send money
CurrencyTransfer Logo
  1. CurrencyTransfer

CurrencyTransfer services fewer countries than Western Union, but its best-price guarantee and zero fees make it a serious competitor.

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Why pick CurrencyTransfer instead?

  • Stronger exchange rates
  • No money transfer fees, no matter how much or little you are sending
  • Can send to more than one beneficiary using a single, guaranteed rate

Downsides

  • Limited global reach
  • Limited sending and receiving options, typically restricted to bank-to-bank transfers
  • Transfers only go through Monday to Friday
  • May require proof of ID when signing up
RIA logo
  1. Ria

Ria has agent locations worldwide and is a strong option for cash delivery, flexible payment options and emergency cash transfers.

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Why pick Ria instead?

  • Mid-market rate margin is typically far lower than that offered by Western Union
  • Bank-to-bank transfers are, on average, faster with Ria than Western Union
  • Support available through chat, phone, email or a comprehensive FAQ section

Downsides

  • Global reach isn’t quite as large as Western Union
  • Sending limits can be restrictive due to daily and monthly limits
  • In-person transfers may cost more than online transfers
Moneygram logo
  1. MoneyGram

Like Western Union, MoneyGram has a large global reach and may offer cheaper fees depending on your sending destination.

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Why pick MoneyGram instead?

  • Pairs with Walmart for same-day in-store transfer service
  • Over 40,000 locations in the US
  • Fees can be reduced depending on payment type and transfer destination

Downsides

  • Maximum online transfer amount of $10,000, although it can be lower for other currencies
  • Local exchange rates vary by transfer destination
InstaReM
  1. InstaReM

InstaReM is one of very few money transfer services to offer the mid-market currency exchange rate for some of its transfers during certain trading hours. It also offers a straightforward fee schedule to make calculating costs a breeze.

Why pick InstaReM instead?

  • Transparent fees
  • Same-day transfers for most supported currencies
  • Loyalty points system that can be redeemed against transactions

Downsides

  • Transfers must be sent to a bank account
  • Must pay via bank transfer
  • Fewer supported currencies than many competitors
  1. Xoom

Xoom is a PayPal service and is one of the few money transfer services in the industry to back its transfer times with a money-back guarantee. This is useful when you need the money to get there by a certain time or not at all.

Why pick Xoom instead?

  • Money-back guarantee if your transfer doesn’t arrive on time
  • Cash pickup in many countries
  • Home delivery in many countries

Downsides

  • Requires a government-issued ID
  • Limited network compared to larger competitors
  • No live chat customer service option
Sharemoney logo
  1. Sharemoney

With over 25 years of money transfer experience through the Omnex group, Sharemoney offers transparent fees and exchange rates to make comparing options easy.

Why pick Sharemoney instead?

  • Hourly updates on transparent exchange rates
  • Home delivery option
  • $1 minimum for overseas transfers

Downsides

  • Limited global reach
  • Low daily and monthly transfer limits
  • Exact pickup location needed when sending a transfer
OFX Logo
  1. OFX

OFX typically beats out Western Union with its fee-less transfers. You can also send a lot more money in one transaction with OFX.

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Why pick OFX instead?

  • Zero transfer fees
  • No maximum transfer limit
  • Exchange rates typically get better with larger transactions

Downsides

  • Must verify your identity for new accounts by phone
  • Can only send and receive from bank accounts
  • High minimum transfer amount of $1,000
  • Doesn’t use the mid-market rate

Still looking for other options?

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.
Alternatively, learn more about Western Union in our review.
Data updated regularly
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
OFX
24 hours
$0

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
CurrencyTransfer
24 hours
$0
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

View details
Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Dunbridge Financial
Dunbridge Financial
24 hours
$10

View details
Dunbridge Financial offers diverse transfer options to more than 120 countries.
XE
Within minutes
$3

View details
XE has fast transfers with low fees and a range of foreign currency tools.
Wise (TransferWise)
Within an hour
From $2.26

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Remitly
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
WorldRemit
Within an hour
From $1.99

View details
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Western Union
Within an hour
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
MoneyGram
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
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8 Responses

    Default Gravatar
    PapeMay 14, 2019

    I need expert help. I need someone who will assist me to transfer money.

      Avatarfinder Customer Care
      JoshuaMay 15, 2019Staff

      Hi Pape,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      If you need help in transferring money, you may refer to the table that allows you to conveniently compare international money transfer service providers. You can compare based on the minimum transfer amount, transfer speed, and others. Moreover, you can also specify how much you want to send and which currency. Please note that our table’s calculator is only an estimate and you would need to check directly with the provider for the exact amount you will receive. Once you found the right one for you, click on the “Go to site” green button to learn more or start sending money.

      If you need further help, please click the chat icon found on the lower right corner of this page.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!

      Cheers,
      Joshua

    Default Gravatar
    WilliamMarch 29, 2019

    I need to transfer $6700 to court in New Jersey and I’m being refused by western union and RIA BECAUSE OF SOMEONE WHO HACKED ME AND STOLE MY IDENTITY. HOW CAN I DO IT I’VE TAKEN CARE OF THE HACKING THRU POLICE AND COURT BUT I CAN’T USE WU AND RIA. How can I transfer money?

      Avatarfinder Customer Care
      JeniMarch 31, 2019Staff

      Hi William,

      Thank you for getting in touch with Finder.

      Sorry to hear your trouble with sending money to a court in New Jersey.

      Our list of international money transfer services has various money transfer companies like Western Union. You may know more about their money transfer service by clicking their name as you will be redirected to their review page. Banks also process money transfers. I suggest that you contact your bank to help you transfer money to a court in New Jersey without any hassle.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    OwomugishaJanuary 24, 2019

    How about Global Money Transfer Service, are they there or not?

      Avatarfinder Customer Care
      ValJanuary 28, 2019Staff

      Hi Owomugisha,

      Thank you for leaving a question. There are 14 options for Global Money Transfer on the page that you are checking like XE Money Transfer, World First, WorldRemit, Western Union. TransferWire, Xoom, MoneyGram, Ria and many more. If you are pertaining to a particular one you may click on more info and get in touch with them. If not, you may want to consider checking on the fees and transfer rates they offer.

      Hope this helps.

      Regards,
      Val

    Default Gravatar
    RichardOctober 10, 2018

    Please, can you please give me an online transfer site which is user friendly…which make transfers very easy.

      Avatarfinder Customer Care
      nikkiangcoOctober 12, 2018Staff

      Hi Richard,

      Thanks for reaching out!

      We are unable to give you specific recommendations however, there are several international money transfer services you can use to send money online, from the US.

      As of this time, we don’t have access to service providers that allows you to send money from Ukraine. You might want to check the money service providers available in Ukraine.

      I hope this helps.

      Regards,

      Nikki

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