Western Union is the largest and most well known money transfer provider worldwide. With Western Union, you can send money that can be picked up as cash within minutes internationally or you can choose a cheaper alternative and transfer to bank accounts abroad. Since they have the biggest agent network in the world, you’ll be able to send money close to your wanted location.
Continue reading below to learn more about Western Union’s features and how to send money!
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Table of Contents
Western Union Bonus & Referral Offers
The bonus and referral offer is for the Western Union Netspend Prepaid Mastercard! So once you have the card activated, you can invite your friends and family to earn $20 per qualifies referral. Make sure your referrals fund their card with $20 in cash or from Direct Deposit!
If you have the Western Union Netspend Prepaid Mastercard, leave your referral links in the comments section below! Thank you in advance for sharing!
(Scroll to the bottom to see the offer)
Western Union Summary
|Transfer Limits||Depends on the receiving country|
|Sending Channels||Western Union website
Western Union mobile app
Western Union Agent location
|Payment Options||Bank account
Visa, MasterCard and Discover cards
Cash at agent locations only
|Delivery Options||Bank & mobile wallet deposit
Cash pickup at an agent location
Other options available in certain countries
|Transfer Speed||Minutes – seven days|
Western Union Fees & Rates
Just like other international money transfer service, there are two things to not of the transfer fees and exchange rates.
The transfer fees vary, it depends on the amount sent, the send and receive countries, and the paying and receiving methods. The most expensive combination is paying with a credit or debit card and receiving the money in cash. But the fees at an agent location may cost more than sending online.
Western Union makes part of its profit by charging exchange rate that is slightly higher than mid-market rate. But the larger the transfer amount, the better the exchange rate, so if you can bundle a few transfers into a single one, you’ll get a better deal.
Western Union Transfer Speed
Your transfer can be delivered anywhere and it can take a several minutes or a few business days to get there. The speed of the transfer depends on the transfer and the receiving methods!
Like cash pickups paid for by a credit or debit card only take minutes, BUT the downside is that it’s a more expensive combination. Compared to transfers from bank account to back account, the cheapest method, takes around one to two business days to process, sometimes up to five days.
|Sending Method||Receiving Method||Average Speed|
|Cash in person||Cash pickup||Minutes|
|Credit or debit card online||Cash pickup||Minutes|
|Bank account online||Cash pickup||1 – 2 days|
|Credit or debit card online||Bank account deposit||1 – 2 days|
|Bank account online||Bank account deposit||1 – 2 days|
|Cash in person||Bank account deposit||1 – 2 days|
|Any method, online or in person||Mobile wallet deposit||Minutes|
Step-By-Step Guide to Western Union
There are several ways to send money with Western Union. To start off, you’ll need the following:
- A Western Union account. It’s easy to set up, and it’s free.
- A valid payment method. That includes cash, bank account, and credit or debit card.
- Your recipient’s name and contact information.
- Your contact and payment information.
And once you’re sign up with Western Union, you can start a transfer by phone, face-to-face with an agent or online.
Call the Western Union toll free number, 1 (800) 325-6000, then provide the details of your transaction as well as your payment information.
Pay a visit at one of Western Union’s 70,000 locations in North American to transfer funds using cash or a debit card. See locator here.
You can go online to the Western Union website and click on “Send Money.” Then select the country you’re planning to send to, fill the amount you’re sending, and indicate how your recipient will collect their funds, then click “Continue.”
Western Union is one of the most popular methods to send or transfer money overseas! Available in over 200 countries including a wide range of payment and delivery options, no wonder why it is a choice among other money transfer services!
If this is not the one for you, see other money transfer services like Xoom, Remitly, and Transferwise! While you’re here on HMB, check out our list of the Best Cashback Apps and Cashback Shopping Portals. Also learn more ways to earn Credit Card Bonuses!