Western Union money transfers review March 2019 | finder.com

Western Union money transfer review

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An easy way to send cash overseas — even if the recipient doesn’t have a bank account.

finder.com’s rating: 3.25 / 5.0

★★★★★

How’d we get our score?

Fees & rates: 2.0 / 5.0
Speed: 5.0 / 5.0
Services: 4.0 / 5.0
User experience: 2.0 / 5.0

Western Union operates one of the world’s largest money transfer networks by with more than 500,000 agent locations around the world, but unfavorable exchange rates mean you’ll have to pay for the convenience.

Product NameWestern Union Money Transfers
Min. Transfer AmountUSD 1
Max. Transfer AmountUSD 5,000
Transfer Methods
Online, Phone, Agent, , International Money Order, ...
Transfer Options
Regular payments, One off payments
Transfer Speed
Minimum transfer time
3 - 5 days
Customer Service
Phone, Chat, Email, Branch, ...
Available CurrenciesAED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYR, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, 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, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LTL, LVL, 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, SVC, 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, ZWD
Exchange Rate UpdatesReal time

Pros

  • Low minimum transfer amount of $1.00
  • Option to send money in minutes
  • Transfer to a wide range of countries

Cons

  • Not the cheapest option depending on transfer location

Western Union provides a variety of options

Western Union helps individuals and businesses transfer money around the globe and right here in our own country. You’ll find many options for transferring and collecting funds, like cash pickup, mobile wallet deposits and more. You can even transfer money to an inmate in a correctional facility. And you can make your transfer online, through WU’s mobile app, in person or over the phone. The variety of options Western Union offers is unusual in today’s mostly online-based money transfer providers.

How much does it cost to transfer money with Western Union?

International money transfer fees vary depending on the transfer method you use. The best way to learn how much you’ll pay is to input your transfer details into the price estimator on Western Union’s website.

To give you an idea of transfer fees, here’s what you’d pay to send $1,000 to Mexico:

Location Fee
Cash pickup at an agent location $4 from a bank account; $15 with a credit or debit card
Deposit into a bank account $14

Sending the same amount to the UK would attract different fees, such as a fee of $2.99 for a transfer between bank accounts or $81 for a Money in Minutes transaction paid for with your credit or debit card.

Western Union exchange rates

You’ll need to take the exchange rate into account when sending money overseas. Western Union’s rates are updated regularly based on the market, and you can find out the rate that applies to your specific transaction by clicking Estimate Price at the top of the Western Union website.

Our experience transferring money with Western Union

Here’s what we found when we sent live transfers to Mexico and France through Western Union.

  • finder money transfer awards 2017 bannerWestern Union would not accept our recipient’s Mexican bank account, resulting in an incomplete transfer.
  • Our funds were deposited into our recipient’s French bank account in a speedy 24 hours.
  • Western Union’s easy-to-use website allowed us to sign up and initiate a transfer in an impressive 3 minutes.
  • Through its Business Solutions, Western Union offers the flexibility of rate locks, forward contracts and recurring transfers.

We recognize Western Union as a winner of three categories in the finder.com Money Transfer Awards 2017: Best User Experience, Most Convenient and Fastest Transfer.

What types of transfers can I carry out with Western Union?

There are multiple ways you can send money overseas with Western Union, starting with the ease and convenience of online transfers. The next option is to initiate a transfer by phone, although you can also visit one of Western Union’s 70,000 North American locations for a face-to-face transaction using cash or a debit card.

With Western Union, your recipient can collect the cash you send by:

  • 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. In select markets you can have the money transfer loaded onto a Western Union branded prepaid card.

Pros and cons of using Western Union

Pros

  • Trusted provider. Western Union has managed domestic and international money transfers since 1871.
  • Huge network. More than 500,000 agent locations around the world.
  • Flexible transfer options. Whether you pay with your credit or debit card or a bank account for cash pickup or a bank deposit, Western Union can take care of your transaction.

Cons

  • Weak exchange rates. With weak exchange rates that can be nearly 5% more than the mid-market rate, you have cheaper online options.
  • High fees. Where some companies offer free transfers or low-fee transfers, expect to pay more in fees to transfer with Western Union.

How does Western Union compare to other services?

I want to send

to

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 0 3 - 5 days USD 0.00 0.871 EUR 4,356 Transfer up to $500,000 with no minimums and no fees. Go to site Show details
USD 1 1 - 2 days USD 7.00 0.874 EUR
4,363
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
USD 1 Within an hour USD 3.99 0.872 EUR 4,356 Use promo code FINDER to send your first transfer with no fee.
Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.
Go to site Show details
USD 1,000 1 day USD 0.00 0.87 EUR 4,351 Exclusive exchange rate discounts
No-maximum limit transfers with competitive exchange rates for 100+ currencies.
Go to site Show details
GBP 1,000 1 - 2 days USD 0.00 0.871 EUR 4,356 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 Show details
USD 50 1 - 2 days USD 25.00 0.872 EUR 4,338 Simple, zero-margin exchange rates, plus earn loyalty points on sign up, referral and every transaction. Go to site Show details

Compare up to 4 providers

Shopping for an alternative? See a list of other sites like Western Union for sending money.

How do I use Western Union?

Western Union offers several ways for you to send your money. You’ll need:

  • A Western Union account. It’s easy to set up a free account as part of your transfer.
  • Valid payment method. You can pay by debit card for Western Union’s fastest and cheapest transfer or use a credit card or bank account.
  • Your recipient’s name and contact information. If sending to a bank account, you’ll need the bank name and account number. If you’re sending a prepaid card for home delivery, you’ll need the address and phone number.
  • Your contact and payment information. The card number or account number and security information for the account you’re transferring from.

If your recipient is picking up cash in person, let them know to bring along a required ID.

The registration and transfer process

You’ll need to create a Western Union online profile before you can send funds online. It’s free to register with your personal contact information and details about your linked bank account or credit or debit card.

You can also initiate a transfer by phone through Western Union’s toll free number, providing the details of your transaction and your payment information.

If you prefer the security of a face-to-face transaction, visit one of Western Union’s 70,000 North American locations to transfer funds using cash or a debit card.

Steps to transfer your money online

Money transfer locations near me

Bottom line

Western Union offers plenty of useful transfer and cash pickup options when you need to send money overseas. Before you commit to sending 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

Methodology

Our team analyzes money transfer providers offering services in the US — from big names to digital upstarts. We rank rates and fees, speed, services and user experience for:

  • TransferWise
  • XE
  • OFX
  • WorldRemit
  • Currencies Direct
  • Western Union
  • RIA Money Transfer
  • MoneyGram
  • Remitly
  • Payoneer
  • Remit2India
  • Xoom
  • PayPal

Learn the details of our methodology and scoring.

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Kelly Waggoner

Kelly Waggoner is a senior editor with finder.com. She's worked with publishers, magazines and nonprofits throughout New York City, including ghostwriting a how-to on copyediting for the Dummies series. Between projects, she toys with words, flips through style guides and fantasizes about the serial comma's world domination.

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US International Money Transfers Offers

Important Information*
XE Money Transfer

Transfer up to $500,000 with no minimums and no fees.

WorldRemit International Money Transfers

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

TransferWise

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

CurrencyTransfer

Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.

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145 Responses

  1. Default Gravatar
    EivMarch 11, 2019

    How are you. If you want to receive more than 5000money with western do you have to pay transfer fee From Germany to South Africa

    • finder Customer Care
      nikkiangcoMarch 11, 2019Staff

      Hi Eiv,

      Thanks for reaching out! Transfer costs are shouldered by the sender, the recipient doesn’t bear any costs. However, it’s helpful to know the transfer limits and money transfer laws in the US – you can visit this page to find more information. Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

  2. Default Gravatar
    aianeMarch 7, 2019

    what if my receiver does not have an id? could he/she still receive it? thank you

    • finder Customer Care
      ValMarch 9, 2019Staff

      Hi Aiane,

      Thank you for leaving a question. An ID to claim money is one of the security process that Western Union has in order to make sure that he is the correct receiver. You may want to give your receiver the Western Union’s MTCN which is a unique tracking number assigned to your money transfer. Your receiver will need this number when picking up money at an agent location. They can try to visit the closest agent location to check if only the MTCN number will work.

      Hope this helps!

      Regards,
      Val

  3. Default Gravatar
    AndreeMarch 4, 2019

    Hello
    I’ve sent some money from UK to Pakistan using my bank card via western union on Saturday. I’ve got the MTCN number which I forward to the recipient. And recipient went to the western union point. And they say it’s on hold. You better wait. And I haven’t got any email or msg from western union as well. Could you please tell me how long will it take to go through. Today is Monday as I’m writing but it’s still on hold.
    Thanks

    • finder Customer Care
      johnbasanesMarch 5, 2019Staff

      Hi Andree,

      Thank you for reaching out to Finder.

      You would need to contact Western Union directly to check the reason for the hold. Once this has been cleared the funds should be available for the recipient to receive. Hope this helps!

      Cheers,
      Reggie

  4. Default Gravatar
    MichelleFebruary 28, 2019

    if I want to send 1350. How much will I pay for sending fees?

    • finder Customer Care
      JoshuaMarch 3, 2019Staff

      Hi Michelle,

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

      That would depend on how you want your recipient to receive the money, how you paid Western Union, and where you are sending the money. For example, if you are paying Western Union using your credit or debit card, the fee would be $15. You can learn more about this by reading the information above under the subheading, “How much does it cost to transfer money with Western Union?

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

      Have a wonderful day!

      Cheers,
      Joshua

  5. Default Gravatar
    MaxwellFebruary 20, 2019

    Can I receive money from Turkey to Côte d’Ivoire?

    • finder Customer Care
      JhezelynFebruary 21, 2019Staff

      Hello Maxwell,

      Thank you for your comment.

      If you’re referring to sending money from Turkey to Ivory Coast, yes, you can do this through Western Union. According to reports, Western Union has opened a branch in Ivory Coast.

      Regards,
      Jhezelyn

  6. Default Gravatar
    MartinJanuary 30, 2019

    Hi I’m in Oman. Can I send money into my own account in Ghana through Western Union as form of savings without any problems?

    • finder Customer Care
      ValJanuary 30, 2019Staff

      Hi Martin,

      Thank you for leaving a question. Yes this is possible. Oman and Ghana are countries supported by Western Union.
      If you want to transfer funds to Ghana as form of savings you may transfer via Western Union then deposit to an account in Ghana. If you prefer it to be transferred directly to a bank account, you might want to consult a Western Union agent on how to go about this.

      Regards,
      Val

  7. Default Gravatar
    HowardJanuary 27, 2019

    If you are blocked how do you go about removing your band?

    • finder Customer Care
      johnbasanesJanuary 28, 2019Staff

      Hi Howard,

      Thank you for reaching out to finder.

      Though there is nothing available on the WU website on having a block removed, you may want to call them up and ask the reason for the block. They could then advise you if this is a permanent or temporary block on your account and how to go about removing it. Hope this helps!

      Cheers,
      Reggie

  8. Default Gravatar
    JohnDecember 23, 2018

    How many times in a month can I send money?

    • finder Customer Care
      JoshuaDecember 24, 2018Staff

      Hi John,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      You can send as many as you want provided that you don’t exceed your monthly limit. The maximum amount of money you can send within a month varies from one country to another. Generally, the limit may range from $300 to $2,500. You would need to directly get in touch with Western Union to confirm.

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

      Have a wonderful day!

      Cheers,
      Joshua

  9. Default Gravatar
    JchevereDecember 16, 2018

    I want to send saudi riyals from New York to Saudi Arabia
    Can I do this

    • finder Customer Care
      ValDecember 18, 2018Staff

      Hi Jchevere,

      Yes you can. One of the accepted currencies of Western Union is SAR or the Saudi Riyal.
      You’ll need to take the exchange rate into account when sending money overseas. Western Union’s rates are updated regularly based on the market, and you can find out the rate that applies to your specific transaction by clicking Estimate Price at the top of the Western Union website.

      Hope this helps!

      Regards,
      Val

  10. Default Gravatar
    RaychelleDecember 11, 2018

    I would like to ask if how many IDs to claim a money.

    • finder Customer Care
      JoyceDecember 13, 2018Staff

      Hi Raychelle,

      Thanks for leaving a question. You only need to bring one valid government issued ID or any government and private employment ID. Western Union also has a list of IDs you may present when you claim your money transfer.

      Hope this helps.

      Cheers!

      Joyce

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