Used Western Union for years, but their services are not local to me so I have a costly bus ride or a several hour bike ride to my nearest WU agent. Recently, it has become far more invasive on my privacy. They can interrogate you as to the exact manor that I earned the money (general wages) and the exact reason I send it (support my wife) and recently they require me to bring my passport every single time I send any amount, small or large. It makes me paranoid that I someday loose my passport. Just require it the once then get the agent to mark that he saw my ID so I do not need it every single time! After WU became less and less convenient and more invasive, I tried to set up my online WU account again, but it is near enough impossible as there are just so much documents, proving your address, email, contact numbers. I had enough after a few hours of trying to find it could take weeks but it failed before when I submitted my Passport and they said it had not proof of address about 4 years ago.
I had enough of WU so I Googled for alternatives and found a company called HI-FX. It allowed me to easily set up and transfer in mere minutes. It does not charge any fees unlike WU and offers a far better exchange rate than WU. For the same amount of money that I send through HI-FX, the receiver gains over 10% extra compared to WU!!! That is a lot that WU pockets from us through fees and poor rates! I would rate WU 1 star but as it is a working service that offers better rates than banks do, I will give it 2 stars. I do not recommend WU to anyone that has an bank account as there are many better services out there that gives you a more more cost effective means of doing the same job!