Western Union Review- Transact with Oldest Remittance Service Provider 2020

4 stars based on 17652 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.

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Alternatives to Western Union

Western Union User Reviews and Ratings

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Værste kundeservice og respektløs behandling

Review published ago

Jeg har brugt western union i 3 år og ligepludselig bliver jeg smidt ud og får at vide at jeg aldrig kan bruge dem igen og jeg prøvede ikke at sende penge det var 1 måned siden jeg havde sent penge til Filippinerne, jeg skriver mange gange til dem og spørger hvad deres problem er og hvad jeg har gjort forkert og får 3 emails med næsten de samme robot svar om lov og andet som ikke giver mening så kan bare sige at deres kundeservice stinker og jeg skal aldrig bruge dem eller sige til andre de skal bruge dem men heldigvis har jeg allerede fundet et andet firma at bruge som behandler mig godt så kan kun sige til andre hold jer væk for 1 ting er sikkert jeg har aldrig gjort noget forkert eller ulovligt med western union så den behandling jeg har fået er så respektløs

by Seanermin5

Værste kundeservice og respektløs behandling

Review published ago

Jeg har brugt western union i 3 år og ligepludselig bliver jeg smidt ud og får at vide at jeg aldrig kan bruge dem igen og jeg prøvede ikke at sende penge det var 1 måned siden jeg havde sent penge til Filippinerne, jeg skriver mange gange til dem og spørger hvad deres problem er og hvad jeg har gjort forkert og får 3 emails med næsten de samme robot svar om lov og andet som ikke giver mening så kan bare sige at deres kundeservice stinker og jeg skal aldrig bruge dem eller sige til andre de skal bruge dem men heldigvis har jeg allerede fundet et andet firma at bruge som behandler mig godt så kan kun sige til andre hold jer væk for 1 ting er sikkert jeg har aldrig gjort noget forkert eller ulovligt med western union så den behandling jeg har fået er så respektløs

by Seanermin5

En correo agentino me cobraron comisión…

Review published ago

En correo agentino me cobraron comisión alrededor del 6%. Pero en destino cobraron el dinero con una quita de un poco más del 42%. Tengan mucho ojo, hagan el cálculo antes de enviar dinero .Van a sufrir grandes decepciones.

by Tmt Treemobiletechnology Tmt

En correo agentino me cobraron comisión…

Review published ago

En correo agentino me cobraron comisión alrededor del 6%. Pero en destino cobraron el dinero con una quita de un poco más del 42%. Tengan mucho ojo, hagan el cálculo antes de enviar dinero .Van a sufrir grandes decepciones.

by Tmt Treemobiletechnology Tmt

WU charge 400 dollars for transaction

Review published ago

WU charged me 400 dollars for a money order. They said the sender agreed but the sender was not told that the transaction would cost 400 dollars. This is so awful it is beyond words. They told me they were transparent. When questioned they said the sender agreed over and over. Who would agree to being charged 400 dollars when the fee is 8 dollars?

by Trina-Dawn Bettis

WU charge 400 dollars for transaction

Review published ago

WU charged me 400 dollars for a money order. They said the sender agreed but the sender was not told that the transaction would cost 400 dollars. This is so awful it is beyond words. They told me they were transparent. When questioned they said the sender agreed over and over. Who would agree to being charged 400 dollars when the fee is 8 dollars?

by Trina-Dawn Bettis

rubbish service

Review published ago

rubbish service. they keep blocking the payment and you have to send it several times and wait for ages on ther help line.. Dont use them unless you want to waste a lot of time

by Nick

rubbish service

Review published ago

rubbish service. they keep blocking the payment and you have to send it several times and wait for ages on ther help line.. Dont use them unless you want to waste a lot of time

by Nick

Ils ne transfert pas mon argent sans…

Review published ago

Ils ne transfert pas mon argent sans explication. Ils ne remboursent pas non plus ! Quand je téléphone pour des explications, ils disent que c'est un autre département qui doit répondre et j'ai attendu une fois 47 minutes une autre fois 36 minutes et la dernière fois 66 minutes sans avoir une réponse!! C'est de l'arnaque total !!!

by tolga siber

Worst Money Transfer in the World

Review published ago

Unreliable Services....Worst Money Transfer in the world. If I had the option to use the ABUSIVE LANGUAGE, I would have done that without any hesitation..... I paid for transfers in minutes and it is almost more than 60 hours and my money is still on hold without any reasons. They just keep the money in their account for some reason for 96 hours and that’s how they make extra money through interest rate. DO NOT USE THIS SERVICE UNLESS YOU WANT TO WASTE YOUR TIME AND MONEY.

by Muhammad Faisal

Terrible online experience

Review published ago

Terrible online experience. Spent a whole week trying to send money. Kept declining my transaction saying my bank declined it. Bank claimed they didn’t. Then WU told me to clear history and try again! After several attempts I was able to send half the amount in two transactions that took a week to deliver! The second one is still undelivered even though it left my bank last week. This week I tried to send the remaining amount. I kept getting a transaction error message. Customer service told me to clear history or try another payment method. Nothing worked. Finely They told me they had a glitch in their system. I should try 24 hours later. Then 12 hours later I received an email saying : We are sorry to inform you that based on the information you have provided, Western Union must decline processing this transaction. Western Union is subject to a number of economic sanctions and restrictions imposed by the United States and other countries, and it appears, based on the information that you have provided, that the transaction might violate one or more of these sanctions or restrictions. BS! In between I got several emails saying that I had incomplete transaction to finish. Encouraging me to go back and try again. So much contradiction! Between their CS and email responses! Several times customer service chat just hung up on me too. I’m closing my account with WU and using my bank wire transfer.

by Maria Ahmed

worst service ever

Review published ago

worst service ever , expect to spend at least 1 hour on the phone waiting to answer questions about your relationship to the receiver just to get your money transfer cleared for pick up EVERY time you send it , I send money every week and have to do this every time I send it it's ridiculous

by Peter Roach

Worse service in the world

Review published ago

Worse service in the world

by Abby Abby

Rubbish customer service never use this…

Review published ago

Rubbish customer service never use this company again gif fat zero 5 day to transfer my money

by Muhammad Imran

Al jarenlang maak ik gebruik van WU om…

Review published ago

Al jarenlang maak ik gebruik van WU om geld te zenden naar familie in Indonesië. Nu lukt het mij niet meer Gevraagd bij WU de reden hiervan. Vandaag bericht gekregen dat ik geen gebruik meer mag maken van WU. Heeft te maken met wet en regelgeving. Erg onduidelijk allemaal. Als ze het beest nou een naam geven dan weet ik waar het aan ligt. Nu lijkt het wel Alsof ik iets onwettigs heb gedaan om familie te ondersteunen. Ik snap er niets van😡😡 Bedankt WU.

by Ton Israel

Hopeloos Bedrijf

Review published ago

Hopeloos Bedrijf, Geld verzenden gaat geen 2 keer achter elkaar goed,, maar weer opnieuw verifieren,,dan ligt het weer aan cookies of nog meer van die onzin ( op 3 verschillende volledig up to date zijnde Laptops ),, ik hang meer aan de telefoon dan dat ik geregeld krijg, weer wachten en geen antwoord of een oplossing. Helaas maar moet op zoek naar iets anders.

by Dhr. Jo Geelen

PESIMAAAA LA ATENCION

Review published ago

PESIMAAAA LA ATENCION, PESIMOOO TODOO!!! HACE 3 DIAS QUE ESTOY QUERIENDO QUE ME BLANQUEEN UNA CUENTA Y NO LO HACEN, ENCIMA TIENEN EL CAMBIO UN MONTO IRRACIONAL. JUEGAN CON LA PLATA DE LAS PERSONAS, ES UNA ESTAFA TOTAL!!!!

by Maria

Son unos sinvergüenzas

Review published ago

El verdadero negocio de Western Union está en retener injustificadamente el dinero durante días. En varias ocasiones no he podido cobrar un giro porque supuestamente había una "incidencia" (que no me explicaban) con el remitente. ¿Y si hay un problerma con el remitente, POR QUÉ ACEPTAN EL DINERO y hasta le dan el código para que yo pueda cobrarlo pero luego no lo envían?

by Luis González

fiable

Review published ago

fiable, efficace pour le tranfert d'argent c'est le mieux les frais sont parfois élevé

by DARMONT CHRISTOPHE

😡 😡 😡 😡 😡 Wish there was a ZERO…

Review published ago

😡 😡 😡 😡 😡 Wish there was a ZERO STAR option. As a verified user for many years, WU kept asking for proof of money source which I provided and over 24hrs later the transfer was still in progress. WFT!! Mtcn: 876-092-0462. The money was for a medical emergency. WU suks. Extremely POOR communication and the idiot that read my email decided to cancel the transfer. I'm using MONEY GRAM now a 5 star. To hell with WU! 😡 😡 😡 😡

by The 'R'

Not given what i paid for.

Review published ago

I Have sent $100 usd to a family member in Lebanon who is a old lady living by herself in these hard times and paid my fees here in Australia . i completely stated and paid for them to receive usd as my MTCN quoted on my receipt . when my family member went to retrieve the 100 usd she was paid in lira and was charged 4% for getting her money even though i paid the fees. she asked for her 100usd so she can decide when and where she would exchange it and was only given lira to the exchange rate what western union offered her. i contacted western union and asked why is it that she received in lira and less the 4% of 100 usd . they replied that they charge a handling fee of 2% and that the receiver was given the equivalent amount in lira to usd from the branch she picked up her money from as they didn't have usd to give her. I spoke to her on the phone while she was crying and she was not told that by the branch just given in lira and told her to go. the amount that western union gave her is less than the amount she could get else where at her local exchange register it is almost 40% less that why i sent her in usd so she can have the choice of exchange rate. i am very disappointed by western union and the branch in Lebanon, it is the duty of western union to make sure they give what there customers pay for and if a branch cannot deliver they should remove there name from it.

by Khaled

I tried sending $65 (the total amount…

Review published ago

I tried sending $65 (the total amount was $79.99) to my friend at a military base in Afghanistan. He could not pick up the money due to error R7009 and they told him that they will issue a refund to me. I tried calling the customer service 4 times, and I was "assured" that I will hear from them within 24 hours. 8 days later I called today again, and they don't have any new information on when I can expect to receive the money and that the Compliance department is handling the refund. I asked to speak to compliance, and I was told that they cannot accept the phone call due to the high volume calls that they receive. I check my bank and there is no refund either. I suggest using Zelle or Cash App. Western Union is the most expensive one, and least professional.

by Sabina B. M.

Onlineüberweisungen sind nicht immer prickelnd!

Review published ago

Es geht um Onlineüberweisungen mit Western Union: Ich bin enttäuscht darüber, dass man Neukunden nicht transparent über die ABSOLUT NOTWENDIGEN ersten Nutzungsbedingungen etc. aufklärt, denn dann würde man viele Anfängerfehler vermeiden und sich sofort darüber bewusst sein was passiert. Es gibt keine Möglichkeit die Verfizierung der Identität am Anfang eigenständig durchzuführen, sondern nur bei einem Transfer. Mein erster Transfer wurde geblockt, danach kam erst das Identifizierungssystem ins Spiel. Das Geld war aber schon von meinem Konto abgebucht und wird erst in ein paar Tagen zurückerstattet (dauert so 5-7 Tage und ist natürlich blöd, wenn es eine Frist gibt und man auf das Geld nicht mehr zugreifen kann). Es gibt ein Limit über 5.000€ ,aber wenn man mehr überweist gibt es keine automatische Warnung. Stattdessen wird der Vorgang durchgeführt und erst später abgebrochen. Aufgrund solch einer Unwissenheit wurde einem Bekannten der Account einfach geblockt - WU-Account kann er seitdem nicht mehr verwenden trotz mehrerer Anrufe. Alles in allem habe ich fast nur unschöne Erfahrungen gemacht. Wenn man neu auf der Plattform ist und nicht richtig abgeholt wird, kann das sehr frustierend und nerven- sowie zeitraubend sein. Für mich hat sich das Thema Western Union jetzt erstmal erledigt. Dennoch gebe ich 2 Sterne, weil es theoretisch funktionieren würde und so ein leichtes Versenden von Geld auch super wichtig ist. Gib dem ganzen gern einen Versuch, aber sei dir auch der Nachteile bewusst und dass es auch einfach nicht klappen kann dein Geld zu senden!

by Schade

Hi very bad service I have received…

Review published ago

Hi very bad service I have received money I live in Epsom Surrey went to 3 shop Ryman Robert dyas ans WHSmith none can pay me It only £450 they said they don’t have money to pay ...when it writing they sending money and receive money here !!! Why that if they don’t have money to paid close the WesternUnion service instant of taking money from the sender but don’t have money to do the payment ! Whyyyy

by Walidah Dk
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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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