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Review: Western Union Business Solutions

Adrienne Fuller

Last updated: 28 June 2019

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.

USD 0

Min. Transfer Amount

No limit

Max. Transfer Amount

3 - 5 days

Transfer Speed

Product Name	Western Union Business Solutions
Min. Transfer Amount	USD 0
Max. Transfer Amount	No limit
Transfer Methods	Online, Phone
Transfer Options	Regular payments, One off payments, Market orders, Forward contracts
Transfer Speed Minimum transfer time	3 - 5 days
Customer Service	Phone, Email
Available Currencies	AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, STD, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW

Exchange Rate Updates	Real time

Adrienne Fuller

Adrienne Fuller is the head of publishing at Finder. With a decade of experience creating guides in finance and education, she aims to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. For the past 3 years she has been the publisher of money transfers, helping readers save when they send money all over the globe. She has a BA from Colorado College and loves to hike with her two Catahoula dogs around her home in San Diego.

Get customized rates and advice for your business

Western Union Business Solutions 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
Law
NGO
Health care
Financial institutions

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

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 country.
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 on your 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 phone.

Pros and cons of WU Business Solutions

Pros

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 on the phone with a representative 24/7.

Cons

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?

I want to send

Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
USD 1,000	1 day	USD 0.00	0.905	EUR 4,523	No-maximum limit transfers with competitive exchange rates for 100+ currencies.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, AZN, BGN, BND, CAD, CHF, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, LKR, MAD, MGA, MXN, MYR, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, RUB, SAR, SBD, SCR, SEK, SGD, THB, TOP, TRY, TWD, TZS, USD, VEF, VND, VUV, WST, XOF, XPF, ZAR Go to site Read the full review
GBP 1,000	1 - 2 days	USD 0.00	0.905	EUR 4,523	Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000). For larger transfers, get no transaction fees and no maximum send limits.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 1,000.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Chat Available currencies AED, AFN, ALL, AMD, ARS, AUD, AZN, BDT, BGN, BHD, BIF, BMD, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CZK, DJF, DKK, DOP, DZD, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, JPY, KES, KRW, KWD, KZT, LBP, LKR, LSL, MAD, MDL, MGA, MKD, MUR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SEK, SGD, SLL, THB, TND, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VND, WST, XAF, XCD, XOF, XPF, ZAR, ZMW Go to site Read the full review
USD 1	1 - 2 days	USD 0.00	0.91	EUR 4,548	Offering no maximum and no minimum limit transfers with $0 fees.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, BBD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, EUR, FJD, GBP, GHS, HKD, HRK, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KWD, LKR, MAD, MUR, MXN, MYR, NGN, NOK, NZD, OMR, PHP, PLN, QAR, RON, RSD, RUB, SEK, SGD, THB, TND, TRY, TTD, TWD, USD, XCD, ZAR Go to site Read the full review
USD 2,000	1 day	USD 0.00	0.905	EUR 4,523	$0 transfer fees with rates at never more than a 2% markup.	Go to site	Compare	Show details	Details Minimum transfer amount USD 2,000.00 Transfer methods Online, Phone Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email, Branch Available currencies AED, AUD, CAD, CHF, DKK, EGP, EUR, GBP, HKD, ILS, JPY, NOK, NZD, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
USD 0	1 - 2 days	USD 1.99	0.895	EUR 4,475	Special offers like free transfers and better exchange rates available for new customers. Quick, affordable transfers around the world with both express and economy options.	Go to site	Compare	Show details	Details Minimum transfer amount USD 0.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Chat, Email Available currencies ARS, BDT, BGN, BOB, BRL, CLP, COP, CRC, CZK, DOP, EGP, ETB, EUR, GHS, GTQ, HNL, HRK, HTG, HUF, IDR, INR, JMD, KES, KRW, LKR, MAD, MXN, MYR, NGN, NIO, NPR, PEN, PHP, PKR, PLN, PYG, RON, RWF, THB, TND, TRY, UGX, USD, UYU, VND, XOF, ZAR Go to site Read the full review
USD 1	1 - 2 days	USD 40.00	0.914	EUR 4,532	Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online Transfer options Regular payments, One off payments Customer service Phone, Chat, Email Available currencies AED, ARS, AUD, BDT, BGN, BRL, BWP, CAD, CHF, CLP, CNY, CRC, CZK, DKK, EGP, EUR, GBP, GEL, GHS, HKD, HRK, HUF, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, PEN, PHP, PKR, PLN, RON, RUB, SEK, SGD, THB, TRY, TZS, UAH, UGX, USD, UYU, VND, XOF, ZAR, ZMW Go to site Read the full review
USD 1	Within an hour	USD 3.99	0.91	EUR 4,546	Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review

Compare up to 4 providers

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

How do I make international payments through WU Business Solutions?

To get started with Western Union Business Solutions, visit its website to set up a personal or business 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 easy.

Log in or create a free account. To create an account, you will need two forms of ID.
Provide your recipient’s details. Including bank account information.
Initiate your payment. Select your currencies from 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.

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 about Western Union Business Services

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10 Comments

Sabrina
August 4, 2019

i want a clarity. to transfer it western union business solution , my daughter’s university bill is providing me their beneficiary name , account and address of western union at the same time giving me other bank account details. i am confused which want to use.

Reply
- finder Customer Care
  
  fayemanuel
  August 5, 2019
  
  Hi Sabrina,
  
  Thanks for contacting Finder.
  
  When you make a payroll payments and send money through Western Union Business Solutions you’ll be needing the following information from your daughter’s university.
  
  Log in or create a free account. To create an account, you will need two forms of ID.
  Provide your recipient’s details. Including bank account information.
  Initiate your payment. Select your currencies from drop-down menus and enter the amount of your payment.
  Provide your funds. Pay with a wire transfer, linked bank account or bill pay.
  
  I hope that helps.
  
  Kind Regards,
  Faye
  
  Reply
Ephraim
January 12, 2019

I’m opening up a business where it is to be Estimated that I send about 10 Thousand western Union transfer a month, only in the USA, is there a program that would make it easier to send my information and will I get a discount?

Reply
- finder Customer Care
  
  johnbasanes
  January 16, 2019
  
  Hi Ephraim,
  
  Thank you for reaching out to finder.
  
  You may want to check the My WU® rewards system provided on the website of Western Union. It is a reward system where you could earn points and get discounts on future transfers. You may also contact a specialist via the WU business solutions website where a specialist can determine what you need and expect and compare it to what they could deliver. Hope this helps!
  
  Cheers,
  Reggie
  
  Reply
Knowledge
August 19, 2018

Can someone in usa use western union business solutions to send funds to me in nigeria?

If yes,

What is the maximum amount to be sent from usa or to be received in nigeria?

And in such a case, will i paid in nigerian naira local currency or usa dollars which the sender will send?

Thank you

Reply
- finder Customer Care
  
  Kyle
  August 20, 2018
  
  Hi and thanks for reaching out,
  
  You’ll be able to receive a money transfer in Nigeria using Western Union Business Solutions if the sender has set up a business account. There’s also no limit on the amount of currency being transferred. When the money transfer goes through, you’ll receive Nigerian Naira.
  
  If the sender doesn’t have a business account, they’ll have to send money to you through a personal Western Union account. However, the transfer limit is $50,000 when funds are sent to Nigeria using a personal account.
  
  I hope you’ve found this answer helpful!
  
  Reply
Efe
March 21, 2018

How long will it take money to get to Nigeria bank account

Reply
- joelmarcelo
  March 22, 2018
  
  Hi Efe,
  
  Thanks for leaving a question on finder.
  
  Transfers to your bank account can take one to three days to arrive.
  
  Cheers,
  Joel
  
  Reply
Mantime
September 13, 2017

I want clarity. The beneficiary address is Victoria, British Columbia. What is the country, is it Columbia? Is the money being received by the bank address in New York?

Reply
- Jonathan
  September 13, 2017
  
  Hello Mantime,
  
  Thank you for your inquiry.
  
  British Columbia is a province in Canada. If it was sent there, it is likely that the clearing bank will be also in Canada.
  
  You may contact them directly by clicking “To get started with Western Union Business Solutions, visit its website” link above to be redirected to their page.
  
  Hope this helps.
  
  Cheers,
  Jonathan
  
  Reply

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Review: Western Union Business Solutions