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Western Union Business Solutions review

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 - 15 of 15
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
24 hours

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

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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.
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XE has fast transfers with low fees and a range of foreign currency tools.
24 hours

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CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Dunbridge Financial
24 hours

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Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
Within an hour
From $0

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MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Within an hour
From $1.99
SPECIAL OFFER ✓ Use the code ‘4FREEFINDER’ to get 4 free transfers if you are a first time user. Eligible countries only.

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WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From $2.26

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

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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.
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Revolut offers 10 zero-fee international transfers a month, amazing exchange rates, and transfers within 30 minutes.
Within an hour

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Instarem offers zero transfer fees on all transfers.
OFX International Money Transfers (Business)
24 hours

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Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
CurrencyTransfer for Business
24 hours

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Increase business efficiency with zero transaction fees and same-day transfers.
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From $0

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Use PayPal to safely send money and receive payments from around the world in over 25 currencies with just an email address or mobile number.
XE Money Transfer for Business
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Save your time and money with XE Money Transfer for business.

Compare up to 4 providers

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.

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  1. Default Gravatar
    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.

    • Avatarfinder Customer Care
      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,

  2. Default Gravatar
    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?

    • Avatarfinder Customer Care
      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!


  3. Default Gravatar
    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

    • Avatarfinder Customer Care
      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!

  4. Default Gravatar
    March 21, 2018

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

    • Default Gravatar
      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.


  5. Default Gravatar
    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?

    • Default Gravatar
      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.


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