Choose The Way You Want To Send Money
Online
At an agent location
- Simple and Easy
Log in or register and follow a few steps to send money for a cash pickup or to a bank account abroad.
- Pay the way you like
You can pay with your bank account or in cash at an agent location near you.
- From your desk or on the move
You can send money from your personal computer or mobile device. Send money now.
- Choose the best option to pay for your transaction
⢠Pay with your bank account:Enter your bank account details. then visit your bankâs website and complete a bank transaction to the bank account specified in the Western Union App for the total amount, including applicable fees.
Your money will be available for a payout in cash or in a bank account once we confirm the money transaction payment. We will send you the confirmation at the email address that appears on your profile.
⢠In store:Visit one of the participating Western Union agent locations with a valid government-issued ID to verify your profile. Bring your photo government-issued ID, the money in cash, and your mobile phone number. Once the payment is completed, you will receive a SMS confirmation.
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Visit any Western Union agent location in Argentina and pay in cash your transaction.
How To Fill Out A Western Union Money Order
Western Union provides a guide for filling out a money order. Heres what they say you need to do:³
- Pay to the order of: Write the name of the person you want to send money to. Make sure to do this first, because that way, if you lose the money order, no one else can find it and cash it. Also, make sure you know the correct spelling of the recipients name because you cant change this information once the money order is processed.
- Purchasers Address: Fill out your information where it says From, Sender, Remitter or Purchaser. Youll need to provide your full name and address.
- Signature: Sign the front of the money order, not the back thats where the recipient needs to sign in order to cash it.
- Keep your receipt: If the money order gets lost or damaged or needs to be replaced for any reason, youll need the receipt to track and cancel it.
Can I Use Western Union At Cebuana
Cebuana Lhuillier is a micro-financial service provider for cross-border fund transfers based in the Philippines. It is also an official partner of Western Union, allowing Cebuana customers to use the extensive network and services provided by the US company. There are more than 2,500 Cebuana locations that are now considered a part of Western Unions worldwide coverage.
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Western Union International Transfer Fees
Western Union allows payments both at home and abroad, using a variety of methods. You can pay in cash at their pay-in store, online using a credit or debit card , or via a bank transfer.²
Your recipient can then collect their cash at a Western Union location near to them, or you can arrange to have the money sent directly to their bank account or even mobile wallet.² Not all payment and recipient options are available in all countries.
The fees for Western Union international transfers vary a lot depending on both how you want to fund the transfer, and how its received.
For example, if you wanted to send USD 1000 to a friend in Australia, and they needed to collect it in person, it would cost you USD 5 if funded from your bank account – but the same transaction would cost USD 34 if you pay using a credit card.²
How To Send Money Using A Western Union Money Order
Sending a Western Union money order is pretty straightforward.
If youre going in person, all you have to do is:
Otherwise, you can also pay online, use their mobile app, or send via phone if its available.
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Does Western Union Send Money The Same Day
Yes, you can make same-day transactions through Western Union if you choose one of the faster money transfer options supported by the platform. For example, Money in Minutes allows you to send money to an agent location almost instantly. If you frequently send money to the same bank account, those transfers will also clear on the same day.
A Complete Guide To Western Union Transfer Fees
Western Union, being such an old and large company, has a somewhat complex fee structure.
Many fees vary depending on where you are, where the money is going, and how much money is moving. Weâll try to clear up some of that murkiness here, so you donât have to!
Below is a breakdown of every Western Union fee.
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Fees And Exchange Rates
Western Union charges vary depending on the country you are sending money to, the payment choice, and the payout option. On the other hand, the transfer rates are dependent on factors like the destination, the amount transferred, transfer type, and the payout method.
Advantages of using the Western Union money transfer
- The service is trustworthy, having been in the industry for over a century.
- It gives you a variety of options to send and receive money
- The service is operated in over 200 countries.
- You can always get support every hour of the day with the 24/7support service.
A Straightforward Way To Send Money Overseas With Multiple Transfer Options
- Make transfers to over 120 countries in 40+ currencies
- Enjoy simple, same-day transfers
Western Union has a gigantic global network of agent locations and bank connections that makes it easy to send money to almost anywhere. Transfer money fast for higher fees, or a bit slower for lower fees, depending on your needs and resources.
However, given Western Unions history of customer complaints and lawsuits, maybe consider looking at smaller money transfer providers who have a better track record and also offer better exchange rates and lower fees. Having said that, Western Union will almost always be a cheaper option than your bank, especially when sending one-off transfers or to remote destinations.
Why should I consider Western Union?
What to be aware of
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Can I Send Money Overseas With A Western Union Money Order
Western Union is one of the most common ways people send money overseas. You can send money to Western Union agents in more than 200 countries and territories,¹ although they still have restrictions on which banks they may work with in specific countries.
However, keep in mind that a money order has to be sent via the mail, so it can take a long time to get to an international destination. Western Union does offer faster money transfers online, but make sure to do your research, because that may not be your cheapest option.
Wise also sends money online but does so without marking up the exchange rate like Western Union admits to doing. Wise always sends money at the exact mid-market rate like the rate you find on Google so there are no surprises when it comes time to pay for your transfer. Also, youll know the exact amount because the transfer fee is spelled out to you ahead of time and there are no added markups or hidden fees. The transfer fee is usually 0.5-2.5% of the transfer amount depending on the destination. Wise is safe and secure and strives to be the most transparent way to move money across international borders. If youre curious if you can save money with Wise, check out this live comparison between Wise and Western Union to find out how much you could save.
Whether you choose to move money via a bank, a money order or an alternative service like Wise, doing your research is the first step to choosing the best method for you.
How Much Are Western Unions Transfer Fees
Western Union has different fees for nearly every country it sends to, and weve seen fees range from as low as $3.50 up to $100 or more. These fees depend on how you are paying for the transfer and how the transfer will be collected. Agent location fees arent typically posted online, but Western Unions online fees are based on:
- Location. The fees you pay will be different when sending to different countries around the world.
- Payment. Paying with a credit card versus a debit card or a bank account will have different fees. Keep in mind that if you choose to pay with a credit card, you may be charged fees by your credit card provider too.
- Receiving method. Picking up cash is typically more expensive than having money sent straight to a bank account.
When sending money to China from the US for cash pickup, here are the fees we encountered using Western Unions price estimator tool on January 31, 2022:
| Sending $1,000 to |
|---|
Fees for money transfers within the US
The cost to send money within the US via Western Union depends on the amount you are sending, your payment method and how your recipient would like to receive their cash. To send $100 from your bank account to their bank account still carries a significant fee of $14.00.
Sending the same amount from your credit card as a cash pickup will cost you $20.50. The maximum you can send in one day is $5,000, and the highest fee weve seen is $243.
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Research Exchange Rates Or Convert Before The Transfer
Many financial institutions use a marked-up exchange rate as part of their service fees. Because of this, some banks offer lower fees if you let them convert the funds before transferring, or if you provide the currency already converted. Contact your financial institution to see if this option is available.
Send Money From The App For Cash Payout
Keep in mind that the receiver will need to show his or her government-issued ID and the tracking number to get the money.
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Choose How You Want To Receive Money
Cash pickup
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Visit a Western Union agent location.
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⢠The senderâs full name⢠The country where the money was sent from⢠The expected amount
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Provide the agent the following documents:⢠The original government-issued ID and itâs photocopy⢠The tax identification number , if you are an Argentinian citizen
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Youâll receive your money once your details have been verified.
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Receiving money into your bank account:You can ask your sender to send the money directly to your bank account in Argentina. When sending the money, the sender must inform your bank account details as well as your email and contact number. With that information, we will send you an email to your mailbox to complete an online registration process that will be valid for 15 months. You can access to the online form through this link.
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Switch from cash pickup to bank account:If your sender has already sent you the money but did not share your bank account details, you can also ask for the money to be deposited into your bank account by sending an email to indicating your full name, tracking number , and your government-issued ID number.
If it is the first-time receiving money this way, you will need to complete an online registration that will be valid for 15 months. You can access to the online form through this link.
How Long Does An International Transfer With Western Union Take
Send your transfer a few different ways, which will determine how quickly your transfer is sent and how much it will cost.
If you pay for your transfer with a credit or debit card and have it sent for cash pickup youll typically pay a higher fee but your money can arrive in as little as 10 minutes. However, your credit card may charge a cash advance fee, further increasing the cost of your total transfer.
The cheaper, but slower option, would be to make a bank transfer. This can take up to five business days. Depending on verification needs, you may have to wait longer while Western Union confirms you own the registered bank account.
Transfers typically take
1 day
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Wise Vs Western Union: A Comparison
If you choose to send money with Western Union, from the US to UK, its only possible to do so by having the recipient pick up the cash from a Western Union location.²
Sending money online with Wise lets you send money at the real exchange rate and avoid exchange rate markup charges.
Heres a comparison of what the costs will be to send USD 1000 to GBP, using both Wise and Western Union. In both cases, this assumes the transfer is funded by a bank account – not credit or debit card – and processed by wire transfer.
| Fee* |
|---|
| 734 |
Data collected on 18 December, 2020
With Wise, you simply get 10 on your transfer, with the real exchange rate despite a higher upfront fees. This is how Western Union sneaks in hidden fees to your international transfers.
Its worth noting that the costs could be significantly higher if you want to use a different payment method.
Frequently Asked Questions About Western Unions Transfer Fees And Exchange Rates
Western Union charges vary depending on the destination, transfer amount and how quickly you want your money to arrive.
If you are sending money online: Western Union transfer fees from Spain start from 0 ⬠transfer fee1.
If you are sending money via the Western Union® app: Western Union transfer fees from Spain start from 0 ⬠transfer fee1.
If you are sending money in person: Western Union transfer fees from an agent location in Spain start from 2,90 ⬠transfer fee1. The exchange rates that will be applied and the transfer fees that you will be charged by Western Union, are explained in the money transfer form that will be provided to you at the agent location where you carry out the money transfer.
Note: If you are using a credit card4 to send money online or over the phone, a credit card issuer cash advance fee and associated interest charges may apply. You can avoid these fees by using a debit card.
If you are sending money online or with the app, you can get a free estimate anytime and without an obligation to send money later using our price estimator.
You can also get an estimate by visiting the send money form and entering your destination and the amount youâd like to send.
Transfer fees and exchange rates provided are estimates only and are not guaranteed. Additional taxes and fees may apply.
When you make a money transfer with Western Union, our transfer fees and exchange rates are always transparent.
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Money Transfer Fees: How Much Will Your Transaction Cost
People send domestic and international money transfers for several reasons, from paying back a friend for lunch to helping a loved one with a down payment on a home.
Its helpful to know that transferring money around the world is as easy as initiating a money transfer and having your receiver get the funds almost instantly, but how much does it cost?
While money transfers can be fast, convenient, and easy to initiate, they include fees that vary depending on several factors. Before you transfer funds, learn about money transfer fees, requirements, and how to save money on your next transfer.
What Is The Transfer Speed At Western Union
Transfer speed at Western Union depends on a variety of factors, including the country combination, payment method, and delivery option for the transaction. Different transfers might clear in a few minutes or in up to several business days. You can expect faster transfer methods to have higher fees. Here is a rundown of the standard delivery times for the different Western Union services:
- Transfer to a bank account from 2 to 5 business days
- Money in Minutes a few minutes
- Next Day money can be picked up on the next business day
- Transfer to a mobile wallet delivery time depends on a variety of factors, including the wallet itself, country combination, and amount sent
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Sending Money In Person For Cash Collection
1. Go to a Western Union agency.
Use our “find agencies online” tool to find a local participating agent.
2. Present the following information at the agency:
- Complete name of the recipient, his or her address and identification number.
- Country you wish to send money to.
- The total amount of money that you wish to send.
3. Present your government-issued identification and your photocopy at the agency, along with your tax identification number , if you are an Argentine citizen.
4. Hand over the amount of money you want to send, plus the service fee.
5. Ask for your receipt and verify that all the information is correct. Don’t forget to share the tracking number with the recipient, since it will be needed to collect the money.