Monday, March 27, 2023

How To Avoid Western Union Fees

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Western Union International Money Transfer Fees

How to spot, avoid Western Union and wire transfer scams

Western Union charges different fees according to how youre sending the money, where youre sending it to and how you want your recipient to receive it.

Heres a breakdown of Western Unions fees for sending CAD$250 and CAD$990 from Canada for cash pickup to different countries as of August 19, 2021. When we checked, costs can rise if you pay by debit or credit, while paying by cash or bank transfer usually comes with a more flat and predictable fee structure.

$250 via bank transfer

Can I Use Western Union At Walmart

This question is a bit more complex than one would expect. In the USA, Walmart does not have a partnership with Western Union. However, you can still transfer money at Walmart using Walmart2Walmart or Walmart2World .

In Mexico, on the other hand, you can use Western Unions services at Walmart stores. You can send money to more than 1,260 stores from the Walmart chain, including Bodega Aurrera, Mi Bodega Aurrera, Suburbia, and Superama. The chain has stores in all of Mexicos 31 states, including Mexico City.

People in Canada can also make use of Western Union services in Walmart stores. Supported services include transfers, pick-ups, and paying bills. There are more than 330 locations in Canada that offer Western Union services.

How Can I Receive Money With Western Union

Western Union supports a variety of delivery methods, depending on the location of the recipient. Options include cash pickups, bank deposits, prepaid card top-ups, mobile wallet transfers, and even utility bill payments. Check the Western Union website for more information on how you can receive money in your country.

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Choose How Your Recipient Gets Your Money

There are a number of options you can choose from when sending funds overseas:

  • Directly to a bank account, available within 1hr 2 business days2 across 125+ countries.6 The fee is paid by the sender.7 Unlike bank transfers, there are no costly surprises8.
  • Mobile wallet, available within 1hr 2 business days1 by using the receiver’s mobile number.9

1 The Western Union Online Service is offered by Western Union Financial Services Pty Limited in conjunction with Western Union Network Limited. Should you click on links to Western Union, you will be leaving the Australia Post site and be directed to the Western Union site to transfer your money. Please see the terms and conditions of the online money transfer service for further details. 24/7 online service is subject to scheduled maintenance and unscheduled changes.

3 Passport must be current and in English.

4 South Australian Proof of Age Cards not accepted.

5 Network data as of 31 March 2020.

6 Visit our online money transfer service for the complete list of countries for direct-to-bank service.

7 Please contact any Western Union Agent for fees to send different amounts to different countries.

How Much Money Can You Send Internationally Western Union


Once verified, you can send up to 50,000USD. You can verify your identity online or at an agent location. Please note: The sending limit may vary depending on the destination country and the service you choose.

What fees are involved in sending money by Western Union?

Principal amount Transfer fee 3 Money in Minutes 2 Transfer fee En 12 horas 0.1 100.00 4.50 3.50 10.01 500.00 6.50 5.50 500.1 1 .00 8.50 7.50 1 00.1 2 .00 14.50 12.50 2 Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates.

How much does Western Union charge to send money?

ashleigh roper paid $1652 and said: western union wire Was it worth it? Yes daniel paid $151 and said: Total ripoff. Highway robbery. Was it worth it? No tasha paid $200 and said: yes Was it worth it? Yes

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Money Transfer Fees: How Much Will Your Transaction Cost

People send money overseas and domestically 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 Are Western Unions Fees

Western Union offers easy, reliable ways to send money with fees based on the services you need. While these fees can range, you can get a free estimate when you start sending money with Western Union online.

In the send money form, you can easily adjust different parameters, such as how your receiver wants to get the money and how you want to pay. Plus, you can send money online to international bank accounts for a $0 fee1.

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Additional Services Offered By Western Union

In addition to international money transfers aimed at everyday customers, Western Union also offers the following services:

Western Union Business Solutions

Western Union also caters to businesses under the Western Union Business Solutions brand name. This service, which the company launched in 2010 following its purchase of Canadian foreign exchange firm Custom House, allows businesses to use Western Unions global business payment network and cross-border platform. Use cases include paying suppliers, employees, and partners worldwide, accepting payments from foreign customers, and sending mass payments globally.

In 2016, Western Union Business Solutions launched WU EDGE, an innovative online platform for SMEs to make and receive international payments, hold foreign currency, track their payables and receivables, and manage their cash flow and foreign exchange risk.

Consumer to Business

Western Unions consumer to business service is a fast and convenient way for consumers to pay bills from utility companies, auto finance companies, mortgage servicers, financial service providers, government agencies and other businesses. Bills can be paid using a debit or credit card, bank transfer, or cash at a Western Union agent location. This service is currently only available in the United States under the Speedpay brand name, Argentina under the Pago Fácil brand name, and Peru and Panama under the regular Western Union brand name.

Prepaid Card

How Much Does A Money Transfer Cost

Identifying advanced fee or prepayment scams – avoid fraud!

As you can see above with the variable fees, figuring out how much a money transfer costs depends on several factors.

The table below shares some of the costs associated with money transfers for Canadas most popular banks:

Bank Name

As of 5/10/2021

Before initiating a transfer, use a bank or transfer services online calculator to estimate your money transfer fees and international money transfer fees. Western Unions online send money form makes it easy to start sending money because you know how much your transfer will cost.

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How To Avoid Western Union Fees

Here are some of the methods to avoid western union fees.

  • Use a debit card: using credit cards for transactions subjects you to charges such as cash advance fees plus interest, while using debit cards saves you money.
  • Register with the MY Western Union loyalty scheme: this program lets you gather some points each time you make a transaction using Western Union. You can use the points for discounts on fees and other promotions.
  • Take advantage of coupons: the company provides online coupons, saving on transfer fees and even reducing some cents on your exchange rate.
  • Western Union Exchange Rates: A Hidden Fee

    Heres what Western Union say in the Send Money Online page² in the footnotes, relating to international transfers:

    In addition to the transfer fee, Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

    To really understand what Western Union means here, you need to understand a bit about the mid-market rate. Thats the only real exchange rate and the one that banks and financial institutions use when trading currency on the open market. You can check the mid-market rate using an online currency converter, or by googling the currency pairing you need.

    And this is where customers should be wary. It is true that many foreign exchange and international money transfer services do not use the mid-market rate to complete transactions.

    However, there are services out there, such as Wise, which believe it is fairer – and better value for customers – to use the mid-market rate and apply only a small transparent fee to each transaction.

    In many cases, the spread applied by banks and foreign exchange services can add a significant cost to the customer. Using a provider who sticks as close as possible to the real exchange rate, can make a significant difference.

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    Donotpay Can Easily Appeal Western Union Bank Transfer Fees

    How to Get Western Union Bank Transfer fees waived with DoNotPay

    If you want to Get Western Union Bank Transfer fees waived with DoNotPay but don’t know where to start, DoNotPay has you covered in 4 easy steps:

  • Open the DoNotPay Fight Bank Fees product.
  • Enter the name of your bank.
  • Verify the last 4 digits of your bank account.
  • Minimizing Foreign Transaction Fees When Traveling

    US Bank Wire Transfer Fees and Instructions

    Its no secret that the international vacation you have planned is going to cost a little bit of money. If youre not careful, you might end up paying even more than you expected in foreign transaction fees.

    With a little bit of advanced planning, some of these hidden international charges can be minimized. Heres a list of some of the most common sources of financial frustration while traveling, with an eye towards what you can do to avoid them.

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    Family Or Friend Emergency

    This scam occurs when the criminal has managed to hack into a family member or friends email or social media account. The scammer will send out messages to all their contacts saying theyre in trouble and urgently need money. They will also send you account details in order to carry out a wire transfer.

    Use Your My Wu Points

    Western Union provides an option to its new as well as existing customers to get enrolled in the Western Union Loyalty Program. Due to the lack of proper knowledge and not knowing the benefits of this program, most of the customers opt to reject this option. There are three important things to know about Western Union Loyalty Program:

  • Its Free Consumers dont need to pay any amount to get enrolled in this program.
  • It Makes Transfers Quick The enrolled customers enjoys the facility of faster transactions.
  • It Saves You to Pay Western Union Fee Points earned after getting enrolled in this program help to lessen or in many cases completely avoid the Western Union Fee.
  • When consumers get enrolled in this program, they gain points on each transaction they make. The number of points is equal to the amount of the service fee they pay for a transfer. For example, if a person transfers $100 and he pays $10 as the transfer fee, then 10 My WU points would be added to his account. These points can be redeemed afterward to get discounts or to wave off the Western Union Fee.

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    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

    How Much Does Moneygram Charge To Send $100

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    Within the United States, Western Union is slightly cheaper than MoneyGram to send $100 via an online bank account: $0.99 for Western Union compared to $1.99 for MoneyGram. However, the two platforms charge the same amount if sending via debit card, and Western Union charges more when sending through a credit card.

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    Choosing American Dollars Vs Local Currency On Transactions

    If you do decide to use a debit or credit card while traveling, in some countries, many banks and vendors will give you the option of completing the transaction in the local currency or in American Dollars. Every time you choose to pay in dollars, youre letting your bank determine the exchange rate.Depending on your bank, this charge can either vary with the exchange rate, or else is a consistent fee. If you choose local currency for these transactions, you wont escape that foreign transaction fee, but at least this way you can more or less determine the real cost of your purchase with some quick mental math.

    How Much Does It Cost To Send Money Western Union

    With Western Union, you can make a transfer to a bank account, or have the recipient collect the cash from a Western Union location somewhere convenient for them.¹ Its possible to fund transfers using cash, bank transfer, credit or debit card.²

    However, the costs can be high if youre sending money using a credit or debit card, or if your transfer is headed abroad.

    If you need to make a transfer directly to another bank account, which requires a currency conversion, you might be better off choosing a specialist in international money transfers like Wise.

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    How Do I File A Claim

    To file claim, visit and click on the Petition Form. To be eligible, your form must be completed online or postmarked by.

    The claims administrator is mailing more than 300,000 pre-filled claim forms to people who may be eligible for a payment. These prefilled forms show eligible loss amounts, based on reports people previously filed with Western Union. The Frequently Asked Questions on the Western Union Remission Phase Two website tell what to do if you agree or disagree with the loss amount printed on the claim form.

    Where Can I Pick Up Cash Sent Through Western Union

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    Western Union has perhaps the largest network of agent locations in the business, with more than 500,000 locations worldwide. Those include banks, cashiers, and licensed agents. You can easily find the nearest agent location by using the handy Western Union agent locator.

    Once you input the needed information, you will be presented with a map that has all nearby agent locations. If you click on a location, you will be able to see the working hours and services provided. On top of that, you will see what the transfer limits are for the given location. Always make sure to check that, as some agent locations are more restrictive than others.

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    Can You Get Scammed Through Western Union

    If the funds havent been picked up by the receiver, youll get a full refund, including the transaction fee. If your money has been picked up by the receiver and you suspect you are a victim of fraud, we encourage you to file an official fraud claim with Western Union and to report your situation to law enforcement.

    How Much Money Can I Send With Western Union

    Your limits will vary based on a number of factors including your transfer history, location, transfer destination and what service you choose.

    See the maximum amount you can send when inputting your transfer details in the Send Money section on Western Unions homepage.

    If you are looking to make a large money transfer, then Western Union allows you to transfer up to $50,000 from the US when sending from your bank account directly to the receivers bank account. But keep in mind that this limit may not be available for all receiver countries and is subject to restrictions based on the factors mentioned above.

    Limits at Agent Locations

    Theres usually no restriction on the amount you may send at an agent location. However, some countries set limits on how much can be received. If you have questions about a specific amount youre sending or a specific country, you can call Customer Care to inquire.

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    Donotpay Works Across All Companies/entities/groups With The Click Of A Button

    Apart from helping you incur lower fees on local and international money transfers, DoNotPay can also assist you in appealing for lower fees on platforms such as

    You can also use DoNotPay to fight and waive your Robinhood, Shopify, and Etsy fees, or appealing HOA, American airline baggage, and Spirit airline fees is also possible with DoNotPay.

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