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| Transfer fee | Varies depending on transfer details, including but not limited to, sending currency, receiving currency, send amount, payment method, receive method |
| Transfer time | Minutes* to 6 business days |
| Transfer types | Cash pickup, bank transfer, mobile wallet, direct to card, home delivery |
| Daily transfer limit | Varies depending on transfer details |
| Transfer purpose | Personal and business |
| 24/7 support | Yes |
Western Union transfer fees vary depending on transfer details, including but not limited to, sending currency, receiving currency, send amount, payment method, receive method. In many cases, transferring money from a personal U.S. bank account to an international personal bank account does not incur a transfer fee; however, an exchange rate spread may apply. At the time this review was written, fees for APN start at $0.99.
Send money using a wide variety of payment methods, including credit card, debit card, bank account or cash at an agent location. Initiate transfers from the Western Union mobile app, wu.com or in-person at an agent location. Cash, debit, and credit transfers can be ready for cash pickup in just a few minutes to more than 200 countries and territories around the world.
When choosing cash pay-out for your recipient, transferred funds can be ready in minutes*. Payment funded by a personal bank account may take up to 4 days to process. Track transfer capability available on or the Western Union app.
Western Union offers 24/7 customer support by phone and live chat. Receive in-person help by visiting any Western Union location.
Western Union uses policies and procedures like photo identification and tracking number (MTCN) verification to help make sure money is sent to the right person.
Western Union also educates its agents and customers on how to protect themselves from fraud and scams.
Western Union secures online accounts for business users with two-factor authentication, preventing account access in the event of a stolen password. Western Union also posts information online and in agent locations warning customers about potential scams and to avoid sending money to unknown recipients.
Western Union enables consumers to send money for cash pickup at hundreds of thousands of agent locations in more than 200 countries and territories worldwide. In addition, consumers can transfer funds directly to a recipient’s personal bank account, mobile wallet or direct to card (options not available in all locations and/or when sending from all locations). The service can be expensive, particularly if funding a transfer with a credit card; however, Western Union can complete debit, credit, and cash-initiated transfers in minutes*. Western Union offers online tracking for your transfers and 24/7 customer support.
*Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options.
