Western Union Review- Transact with Oldest Remittance Service Provider 2021

3 stars based on 21151 reviews

Western Union Review by Exchange Rate IQ

Overall rating
8.5 /10

Can you trust Western Union to send money abroad? How much the company charge for transferring funds? Are its services reliable? There are many such questions which users look for and therefore, the experts of Exchange Rate IQ provides the unbiased review of “world’s largest money transfer providers”, Western Union. The company offers over 125 currencies which can be transferred in multiple ways.

An American financial service provider, Western Union is one of the world’s oldest money transfer company in the industry. The company offers various products such as person-to-person transfers, money orders, business payments and commercial services. The company is serving more than 200 countries with over 130 currencies. Some of the benefits of using Western Union are:

  • Most Trusted Service Provider
  • Huge Network of ATMs, Agents and Kiosks
  • Variety of Services

Review of Western Union :

Launched in the year 1851 in New York, USA, Western Union has been serving the people from the past 168 years. The company has its headquarters in Meridian, Colorado, and was best known for its exchanging telegram service in the US, which was discontinued in 2006.

Western Union helps in transfer funds cross-border, cross currencies to small businesses, global corporations, families, NGOs and many more that are remotely located somewhere on Earth. It has placed more than 150,000 ATMs and kiosks across the world, which helps it in completing more than 800 million transactions till 2017.

The company offers its money transfer services through digital, mobile, and retail channels, with an array of convenient pay-out options to meet business and consumer needs. There is no maximum transfer limit, while the minimum transfer limit is just USD $1. If you are wondering whether you should use its services or not, it’s best to decide it after reading the whole review of Western Union.

The company has been highly secured and authorized by various authorities in different countries, so you can transfer the funds worry-free.

On an overall basis, we rate 8.5 out of 10 to the company.

Pricing : How much does Western Union cost?

8 /10

Western Union Transfer Fee

The Western Union fee is highly variable which depends on multiple factors. This includes factors such as country you are sending money to, payment mode, pay-out mode, transfer amount and method. This fee majorly lies in between $0 (free) to $150. You will get to know how much amount you have to pay when you start the transaction. It charges less on the bank transfer while more for the debit and credit card transfers.

Western Union Exchange Rates

The company offers mid-market exchange rates and also makes the profit in exchanging currencies. Therefore, its margin exchange rate would be a bit lower than the prevailing rates in the market. So, it is important for a customer to pay attention to the rates while transacting with Western Union online. These exchange rates also vary depending on how one pays for the transfer and how the recipient receives the money.

It also offers better exchange rates when you send a larger amount, so, experts say that you should try to send money once rather than a bundle of transfers.

Western Union is not the cheapest option but its rates being often competitive comparing to bank transfers, therefore, we rate it 8 out of 10.

Transparency: Does Western Union have any hidden fees?

10 /10

Western Union Hidden Fee

The company does not have any hidden fees. The recipient will receive the amount that has been shown on the transaction page. So, customers should be sure while using the services of Western Union.

Western Union Tracking Details

One can track the transfer through Money Transfer Control Number (MTCN) provided by the company through email just after the completion of the transaction. The company has been providing the transaction tracking page, where you can directly check the transfers without logging into your account.

Western Union has no hidden fees and an excellent tracking procedure; therefore, the experts of Exchange Rate IQ provide it 10 out of 10 for the transparency.

Transfer Speed: How long does it take to send money through Western Union?

7/10

The company offers both fast and late transfers depending on the need of the customer. The fast transfers attract more fees, while the transfers which take time have low fees. Therefore, it has no option for fast and cheap transfers.

Some of the transfer types offered by Western Union are:

  1. Transfer from debit or credit card and choosing a cash pickup comes with fast options of “Money in Minutes” or “Next Day”.
  2. Western Union online transfer through bank accounts and cash pickup may take up to 4 business days.
  3. Transfer from a bank account to a bank account can take up to 7 business days.

All this time depends on the destination country, payment mode and other factors such as working hours of the bank, etc. So, we rate it 7 out of 10 for the transfer speed.

Coverage: How many Countries & Currencies does Western Union support?

8/10

Western Union is the largest and oldest money remittance service provider, which has grown in over 200 countries and territories across the world.

  • Its services allow people to send and receive money through agents over 550,000 locations.
  • With Western Union send money online, one can send funds to more than 125 countries.
  • It is also providing its services through ATMs and kiosks which are available at various places.

The company is focusing on massive digital expansion, which will enable the digital transfer of money across the countries. Currently, the digital options of Western Union are available in the US, Canada, many countries of Europe, Australia and New Zealand.

It’s currently expanding this service in Asia, Middle East and Latin America. It has already expanded its services in Mexico, Brazil, Jamaica and Panama in Latin American and the Caribbean; Singapore and Malaysia in Asia; and Bahrain, Kuwait, Qatar and Oman in the Middle East. You can also find the Western Union locations near you here.

Currencies Supported by Western Union

It has been operating in more than 130 currencies, some of it are:

AED LSL IDR INR USD CAD EUR
SEK YER ZAR GBP KWD NZD SGD
OMR HKD BOB BTN WST XAF QAR and more

The company is soon bringing its money sending services in India, where people will be able to transfer INR to other currencies to the friends and family. Still, it has to cover many areas in Asia and the Middle East which will help it to cover the whole world under its services. So, we rate it 8 out of 10 for the coverage head. So, for using the services of Western Union Login.

Western Union Transfer Process

Send money online now with Western Union

  1. Go to the website of Western Union and click on “Send Money” at the top of the home page.

  2. You will be redirected to the new page.

  3. Here select the country where you want to send the funds.

  4. Enter the amount and select how the recipient will receive the money.

  5. Click on “Continue”.

  6. Sign up or login if you are an old user.

  7. Enter all the personal details of you and the recipient.

  8. After logging in confirm the transaction.

  9. The company will provide you with “Money Transfer Control Number” on email which will help you in tracking the transaction.

Send money with Western Union

Western Union Philippines to USA money transfer

Many Filipino send their children for studies to the USA and have to send money to them for fees, monthly expenses, etc. For this, most of them find Western Union as one of the best and comfortable money transfer company where they can send money online as well as in cash. Western Union online allows you to send money internationally for up to $10,000 per transaction and this limit can be raised if you ask the company. While on Western Union agent location transfers, there is no restriction, you can send as much amount as you want.

Western Union send money to Canada

Western Union money in minutes helps you to send cash pickup to the recipient in Canada to receive money in a few minutes. It’s because the company has reached across the world with more than 500,000 agent locations in over 200 countries and territories. Besides, it is more favourable because people can transfer money through mobile, web and also from any agent location. All you need to give the details are where to send, how to pay and who is going to receive the money. Check Western Union money transfer rates for the country you want to send money and submit the transfer.

Send money to Gambia Western Union

Send money to Gambia looks a difficult and costly process as the country is still undeveloped and there are very fewer sources available. But with Western Union, you can make a bank transfer, cash pickup to the Gambia which offers competitive exchange rates compared to most of the banks and also have low transfer fees. This helps you as well as your family to get money within minutes no matter where you send in the Gambia as it has approximately 10,000+ agents.

User experience of Western Union

8/10

Originally founded as a telegram company in the year 851, Western Union wire transfer service was started in the year 1871. More than 32 transactions take place every second on the western union money transfer, which makes it one of the most used currency exchange service providers. Some of the positive and negative aspects that users face while using the services of Western Union are:

Positive:

  • Low minimum transfer amount
  • Various options to send money
  • Transfer across the world

Negative:

  • Exchange rates are not transparent
  • High transfer fee
  • Not all the channels are available in every country

 

Western Union Prepaid Card

The Western Union NetSpend Prepaid MasterCard allows users staying in the United States to hold the value on a prepaid card and use the card to make and receive Western Union money transfer. One can also use this card to shop online, pay bills, buy grocery, or can collect cash at ATMs. It gives you a quicker and most convenient way to use your money.

 

Western Union Customer Service:

The users of the Western Union, USA can contact the company via online chat, email, or over the phone. For Indian users, Western Union contact details are:

Western Union Phone number: 1-800-102-7111

Western Union India Email: [email protected]

People can contact the company between 8 am to 8 pm (IST) from Monday to Friday.

 

Western Union App:

The company has been providing its apps so that one can transfer funds without any delay.

  1. Western Union Android App
  2. Western Union iOS App

 

Western Union Refer a friend:

The company provides EUR20 reward if the friend you referred use services of Western Union and transfer funds more than EUR50 in the first transaction.

Western Union Promo Code:

The company time to time provides various offers and discount which will help you in paying less transfer fee or any other offers. These promo codes are shared by notification, SMS or email.

Besides all this, the Western Union website is available in various languages, which help it to serve people across the world. It offers personal, business and charitable transfers, but has many areas where it can expand for more growth.

 

On overall user experience, we rate Western Union 8 out of 10.

Security : Is Western Union Safe?

10/10

The Western Union Company, popularly known by its brand name Western Union is the oldest and most trusted money transfer service providers. Therefore, the company uses a high level of encryption to safeguard the information of customers.

The company has been affiliated by various authorities across the world in the countries it is serving in. It relies on proprietary and cutting-edge data analysis to always remain compliant with the regulations of all the jurisdictions it operates in.

So, one can trust the company with its security policies and measures it takes to save the details of clients. Therefore, we rate Western Union 10 out of 10 for its security.

Transfer Type And Modes

Pay In Options

Bank
Cash
Credit Card
Debit Card
Mobile Money
Cash Card
Mobile Wallet

Pay Out Options

Bank
Cash
Mobile Money
Home Delivery
Cash Card
Mobile Wallet

Service Mode

 Online
 At Branch
 Telephone

Exchange Rate Type

Fixed

Western Union FAQ's

What is the minimum and maximum transfer amount at Western Union?

Western Union Minimum Transfer Limit: USD $1

Western Union Maximum Transfer Limit: USD $5,000

You can send the similar amount in other currencies through Western Union.

Discuss this question

How much can I send with Western Union?

Western Union is pretty flexible in the transfer limits it offers its customers. It has a low minimum transfer limit of USD $1 and a maximum transfer limit of USD $5000 which is averagely fair for a daily sender. Even better is the fact that you can send this money to over 200 countries worldwide where several of their agents are located. Knowing this can make you easily plan your transfer ahead and make timely payments when needed.

Discuss this question

What if I want to send more than USD $5,000?

If you want to send more than USD $5,000 through Western Union, you need to open forex account with the company.

Discuss this question

Can I track money sent via Western Union?

stern Union offers a unique Money Transfer Control Number (MTCN) for every sender making a transaction. This number should be passed on to the recipient so that he or she may provide it for he or she to receive the money sent. You can get your MTCN tracking number from your history page and in your printed or emailed receipt.

Discuss this question

How can I know if a Western Union agent is located near me?

You can determine the proximity of your nearest Western Union agent via their agent locator from their website, or simply, by clicking here. This locator offers you the option of searching for an agent via your physical address or via an agent’s name. It will then pin point the exact location of the agent near you or an agent of your preference based on your experience with them.

Discuss this question

What is Money Transfer Control Number (MTCN)?

Money Transfer Control Number (MCTN) is provided by Western Union to sender which needs to be passed to the recipient, so when recipient reach to agent to pick up cash, he has to provide MCTN to the agent.

Discuss this question

How can I start sending money via Western Union?

Sending money via Western Union is easy. All it takes is a mobile phone through which you can download the Western Union agent bank’s Mobile App. Once you have the app, you can log in to your profile and start making your transactions. To find out more about how you can send money and track it to the point it reaches your recipient, you can visit their customer care page for detailed assistance.

Discuss this question

How can I make sure my transfer is safe?

Western Union strives to send your money in the fastest and most reliable way possible. Moreover, it values the integrity of your funds. However, the responsibility of preventing fraudsters from reaching your money is also in your hands. Relative to this, Western Union has gone out of its way to enlighten you concerning how you can avert all malicious activities that can lead to loss of your money. Find out some of the ways through which you can ensure that you do not send money to a fraudster and prevent yourself from making heavy losses.

Discuss this question

Alternatives to Western Union

Western Union User Reviews and Ratings

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Dårlig service

Review published ago

Dårlig service Der er mærkeligt at jeg ikke kan overføre penge, de siger jeg er blokkeret i alle deres system, at min grænse er opnået. Og kan hverken overføre penge eller modtage penge. Jeg har ringet, de sagde jeg skal sende e-mail, og at jeg få svare 20 -30 dage og jeg har ikke hørt noget fra dem. Den kode jeg få er C7777

by Zahraa Zaher

Dårlig service

Review published ago

Dårlig service Der er mærkeligt at jeg ikke kan overføre penge, de siger jeg er blokkeret i alle deres system, at min grænse er opnået. Og kan hverken overføre penge eller modtage penge. Jeg har ringet, de sagde jeg skal sende e-mail, og at jeg få svare 20 -30 dage og jeg har ikke hørt noget fra dem. Den kode jeg få er C7777

by Zahraa Zaher

KROGER- West Frankfort, IL

Review published ago

KROGER: West Frankfort, IL Susan the Manager decided that me my wife or any of my family & friends cannot send WesternUnion from KROGER: West Frankfort, IL . The only reason she gives is it’s Wrong. We are trying to Send to Poor Family members in Bangladesh. I can only speculate since Bangladesh is 85% Muslims she has Determined it’s WRONG ?

by Holland Bldg.

KROGER- West Frankfort, IL

Review published ago

KROGER: West Frankfort, IL Susan the Manager decided that me my wife or any of my family & friends cannot send WesternUnion from KROGER: West Frankfort, IL . The only reason she gives is it’s Wrong. We are trying to Send to Poor Family members in Bangladesh. I can only speculate since Bangladesh is 85% Muslims she has Determined it’s WRONG ?

by Holland Bldg.

Disgusting Western Union service in…

Review published ago

Disgusting Western Union service in Jordan. On the last day of my stay in Amman, I exchanged the remaining dinars into dollars, and decided to send the transfer to Ukraine. I used the services of Western Union, received the document, and flew away on the night flight. And the next day, it turned out that for unknown reasons, which had not yet bothered to explain to me neither the support chat nor by email, the transfer was not delivered to Ukraine, but was returned to the office where I had sent it. Now the Western Union company, without providing me with any alternatives, offers me only to collect my money in this particular branch in Jordan. In response to my requests, simply send the transfer again or create a new one, so that I have the opportunity to receive money in the country of my citizenship, I was refused. In other words, the Western Union company, to which I handed my money and paid the transfer fee, did not deliver this money through my own fault, and now invites me to spend about $ 500 on tickets to Jordan and back, about 50 euros to pay a tourist visa fee , also pay and pass at least 2 coronavirus tests, spend your weekend just to take my own money. My advice is to think carefully before using the services of this company. Can't even describe the level of my stress and resentment

by Виктория Радул

Disgusting Western Union service in…

Review published ago

Disgusting Western Union service in Jordan. On the last day of my stay in Amman, I exchanged the remaining dinars into dollars, and decided to send the transfer to Ukraine. I used the services of Western Union, received the document, and flew away on the night flight. And the next day, it turned out that for unknown reasons, which had not yet bothered to explain to me neither the support chat nor by email, the transfer was not delivered to Ukraine, but was returned to the office where I had sent it. Now the Western Union company, without providing me with any alternatives, offers me only to collect my money in this particular branch in Jordan. In response to my requests, simply send the transfer again or create a new one, so that I have the opportunity to receive money in the country of my citizenship, I was refused. In other words, the Western Union company, to which I handed my money and paid the transfer fee, did not deliver this money through my own fault, and now invites me to spend about $ 500 on tickets to Jordan and back, about 50 euros to pay a tourist visa fee , also pay and pass at least 2 coronavirus tests, spend your weekend just to take my own money. My advice is to think carefully before using the services of this company. Can't even describe the level of my stress and resentment

by Виктория Радул

I sent money to a relative in Yemen…

Review published ago

I sent money to a relative in Yemen Aden, the money according to western union was withdrawn in Sanna, western union is not concerned that the mony was withdrawn by someone else in a complete different part of the countery by god knows who and western union are not bothered to check with the outlet that handed the money out. As far as they are concerned the money is gone and they are not doing anything about it.

by A O

I sent money to a relative in Yemen…

Review published ago

I sent money to a relative in Yemen Aden, the money according to western union was withdrawn in Sanna, western union is not concerned that the mony was withdrawn by someone else in a complete different part of the countery by god knows who and western union are not bothered to check with the outlet that handed the money out. As far as they are concerned the money is gone and they are not doing anything about it.

by A O

As soon as I requested payout my…

Review published ago

As soon as I requested payout my account was suspended and I could not log in anymore. I tried to get a new password by clicking on "password forgotten" tab, and I was notified that "new password has been sent to your email", it never arrived, I retried same step and got the same response that "a link has been sent already". Visit their telle gram ( Emailking1) All issues were sorted out I'm now free to log in and make my withdrawal.

by Josh Kim

Lächerlich und unfähig

Review published ago

Eigentlich rede ich niemals schlecht über andere auch wenn sie vielleicht tatsächlich schlecht sind. Aber hier fühle ich mich als krimineller. Man hat mir dieses Gefühl aufgebrummt. Ich unterstütze im Ausland eine sehr arme Familie und zwei Schüler die Ihre Studiengebühren selber kaum aufbringen können. Nachdem ich in einem Monat Kleinbeträge um bis 300.- Euro verschickt hatte wurde ich von WU gesperrt. Grund ?? Es gibt keinen. Fehlermeldung ist mega lächerlich. Ihre Überweisung übersteigt das Limit ?? Seltsam.... Als Limit wird über 8000.- Euro angegeben aber die Überweisungsbeträge erreichen nicht mal 1000.- Euro. Das allebeste... Ich schicke Geld an die genannten Familie und Schüler. Alles klappt, aber wenn Sie das Geld abholen werden Sie zurückgewiesen. Es ist Storniert von WU. Warum ?? Steht in den Sternen. Man kann sich vorstellen wie man sich fühlt wenn man am Schalter ist und Geld abholen will und zurückgewiesen wird. Email Korrespondenz ist auch eine Lächerlichkeit. Man bekommt eine mega Verschlüsselte email und die verstehen die selber nicht. Weil da wohl niemand ist der einigermaßen Deutsch kann. Wenn ich als Betrugsverdacht eingestuft werde weil ich mini Beträge überweise für die ich jeden Tag arbeite. Was ist dann das WU System ?? Können die nicht mini Beträge von höheren Beträgen unterscheiden ?? Sehr zweifelhaft und sehr lächerlich. Ich werde jeden davon abraten mit der Bank Geld zu verschicken. Am ende wird man eh lächerlich gemacht.

by Edy

I've been sending money thru western…

Review published ago

I've been sending money thru western union for how many years and they have an excellent service... I never had any problem from them.... I highly recommend on this company...

by FLORDELISA

Love love love

Review published ago

Love love love

by nawal mana

Absolut Schrott und Unseriös

Review published ago

Absolut Schrott, Finger weg. Sucht euch ein seriöses Unternehmen zum Geld versenden. Nach Überweisung in die Türkei am nächsten Tag Geld blockiert, warum weiß keiner. Am Schalter nachgefragt was das Problem ist, hieß es aus Sicherheitsgründen und ich solle eine Nummer anrufen. Dort angerufen irgendwo im Ausland mit schlechten deutsch, will der Callcenter Typ mit mir ein Interview machen das 10 Minuten dauert, will der mich verarschen? Ich sage ihm das kann er mit sich selbst machen und ich will mein Geld zurück. Er gibt mir eine Nummer die sich später als falsch rausstellt. Mitarbeiterin am Schalter weiß natürlich von nix, telefoniert dann nervös durch die Gegend und lässt mich warten bis das OK zur Auszahlung kommt. Anscheinend hab ich nochmals Glück gehabt. Kann jedem nur abraten denen euer Geld anzuvertrauen.

by Can ken

Schlechte Kundendienst !!

Review published ago

Sehr, sehr schlechte Support/ Kundendienst (ich rufe aus der Schweiz, es meldet sich irgendjemand, die Person kann 30-40% Deutsch und hatte gar keine lust mir mir zu reden, nicht 1x sondern 4x angerufen !!! Hat einfach gesagt ich soll an gcr[AT]wu.com schreiben. Am 28. Oktober Email an: gcr[AT]wu.com geschickt, bis heute kein Antwort bekommen !!

by Staklo

Ich musste heute eine Benachteiligung…

Review published ago

Ich musste heute eine Benachteiligung erleben. Mir wurde heute verweigert eine Überweisung zu erhalten weil ich ein Staatenloser Mensch. Ich habe eine Niederlassung in Deutschland und steht auf mein Ausweis sowie mein Reisepass das Code für Staatenlose Menschen XXX. Die Angestellte der Reisebank sowie auch Postbank haben mir abgewiesen weil die Geschäftsbedienungen lauten dass man unbedingt eine Nationalität braucht um die Service zu bekommen. Ich finde es Rassismus und Benachteilung gegen Menschen ohne Nationalitat wie Palästinenser und Kurden.

by yasmin sy

It’s easy

Review published ago

It’s easy, fast and close to home. I use Walgreens kiosk which stores all my info.

by sharron

Easy service

Review published ago

Easy service

by undefined

Absolutely awful customer service

Review published ago

Absolutely awful customer service - even calling it that is a joke. Utterly useless firm - cannot wait for the day they are completely muscled out by their competition. Horrendous experience every single time. Never EVER again!!

by Ifi Ekwere

I am very pleased with your service

Review published ago

I am very pleased with your service. Your application is very user friendly and I manage to do everything I need to do without any issue. All my transfers go through with no issue and received at other end at great speed. Keep the good work

by undefined

Good service

Review published ago

Good service

by Kristine Louise Ala

Les FDP DE ARNAQUEURS

Review published ago

Les FDP DE ARNAQUEURS

by Rsa Réparation

One of their "agent" where people can…

Review published ago

One of their "agent" where people can pick up the money, is scamming people by telling them, that they should buy (or deduct from the money what they want to pick up) some plastic card, to make the transaction easier (a card which they only stick a piece of paper with the name and practically not good for anything). Wester Union started to investigate it about 3 weeks after i reported it, and they came to the conclusion that there is nothing wrong with it.

by harynjk

Remboursement impossible

Review published ago

J'ai fait un transfert de 150 EUR le 02/11/2021 pour une personne au Maroc (soit 1472 MAD). M'étant trompé sur le nom du bénéficiaire, j'ai fait une demande de remboursement. Western Union me confirme par mail que le remboursement bancaire a eu lieu le 08/11/2021 mais ils indiquent un remboursement de 1472 EUR au lieu de 150 EUR. Comme j'avais fait le transfert bancaire, je devais normalement recevoir un remboursement bancaire. J'ai bon consulter mon compte bancaire et je ne reçois aucun remboursement. Je les ai contacté par téléphone et je leur ai envoyé des mails, ils me disent toujours "vous serez remboursé dans les 4 prochains jours et si ce n'est pas le cas veuillez nous envoyer une copie de votre relevé bancaire." Ils ne se gênent pas, le relevé bancaire est privé! Soit! Je leur ai quand même envoyé un relevé bancaire (et ce n'est pas eux qui m'ont envoyé la preuve qu'ils m'ont bien remboursé) et ils n'ont d'autre réponse que de me redemander un relevé bancaire. Bref, on tourne en rond. Après chaque appel ils me créent un dossier. Voilà. Et finalement je n'ai pas mon argent. Je pense qu'il y a une vague de fraudeurs travaillant chez WU en ce moment, il y a trop de plaintes de mésaventures chez eux. Quelqu'un peut-il me conseiller pour porter plainte contre Western Union? Apparemment même le juge de paix ne peut rien contre eux car WU se trouve à l'étranger. Y aurait-il un collectif qui pourrait se charger de porter nos dossiers devant la justice (contre paiement évidemment) ? Merci pour votre aide.

by Aziz Derraz

Don't expect customer service

Review published ago

The service works. But their customer service is completely useless. They will never understand the simplest of things that you tell them and they will waste your time talking in circles till you are frustrated and leave. Recently they raised there prices without any notice to customers. I have been using their service for years, but I think it's time to switch to some other service that may value my business. And at least try to solve the issues.

by undefined
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Compare Western Union With Other Money Transfer Companies

Western Union Company & Contact Info

Address:- Denver, Colorado, United States
Email:- [email protected]
Phone:- 1800 102 7111
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