Is Money Sent Through Western Union Traceable
Western Union or MoneyGram are the preferred means of sending and receiving money. What is the reason behind this? Western Union and MoneyGram wire transfers are suitable for this purpose. If the wire transfer is transmitted worldwide, it cannot be stopped or reversed, and the recipient of the funds cannot be identified.
Start Your Money Transfer
Show our agent your transfer details and a valid government-issued ID. You may also be required to provide proof of source of funds, so make sure you bring a bank statement, tax return or payslip with you. You can save time at the counter by starting your money transfer online or via our app. When you begin a money transfer this way, you will be given the option to pay in cash at an agent location.
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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Learn How To Send Money In Person
When you need to send money in person, weâre as close as your neighbourhood market. Our agents will help you send money quickly.
Itâs simple to send a money transfer from one of our 515,000 agent locations worldwide. Find an agent location near you and fill out the âSend Moneyâ form when you arrive. Choose the service thatâs best for you and your receiver. Make sure that you know your receiverâs name, country and bank account information if youâre sending money directly to their account. Then, give the information and your cash or debit card to the agent, and your money will be on its way.
The infographic below will show you how to send money in person. When youâre ready, find an agent location or learn more about our services to get started
Western Union Fees And Exchange Rate

The costs to make a transfer will vary, depending on where youre sending money, how the payment is funded, and how the recipient receives the money.
Lets take a look at an example of the fees you might see, sending 600 USD to a friend in the UK:
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Debit card |
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Arrange online, pay cash in store |
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Not sure Western Union is the best option for you? Check out how Wise compares and make a fast, cheap and secure international transfer: |
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When youre calculating the costs of a transfer on the Western Union website, youll find the following disclaimer in the footnotes:
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. ¹
So how do you compare the exchange rates used by different money exchange and transfer services?
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How To Send Money At An Agent Location
- Choose a location
Visit a Western Union® agent location near you
- Show your ID
Provide the agent with transaction details and show your valid ID
- Pay with cash
Pay for the transfer
- Send with confidence
Local and convenient
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Send to over 500,000 agent locations1
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In more than 200 countries and territories around the world
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Your money is available to the receiver in minutes3
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Weve been moving money for over 145 years
Check when your receiver have picked up a money transfer
Enter your transfer details and money transfer control number 2
Let Your Loved One Know
Find out the tracking number from your agent. Use it to track your money and find out where your cash is during the transfer.
1 Some card issuers may charge additional fees for using our services. Please contact your card issuer for more information.
2 Agent location count valid as of September 30th 2021.
3 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.
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How Can I Save Money
Use your bank account to avoid paying additional fees.
Special promotions may reduce the fees for sending certain amounts of money to and from certain countries or locations. Search for promotional codes online to save on fees.
You can enroll in the Western Union MyWU program. This program saves all of your data on past sends, including transfer to companies. Also, you gain rewards points where you earn 1 point for every $2 in fees.
Sending money online or via the mobile app will be cheaper than sending in person.
Western Union is one of the many ways to wire money, so it doesnt hurt to compare competitors Walmart, for example, has been known to offer cheaper rates than Western Union in most scenarios.
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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.
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Where Can I Pick Up Cash Sent Through Western Union
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.
Send Money To A Bank Account
Choose country, amount and delivery method .
Enter your receiverâs bank account information. Learn more about whatâs required.
Pay with your credit or debit card 6.
Youâll get a confirmation by email with the tracking number .
The money will be deposited into your receiverâs qualifying bank account. Check out destination-specific timing.
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Western Union Just Works
I have a fiancé that lives in Colombia I have spent months trying to figure out how to send money to her without getting slapped with not only exchange rate fees, but processing fees, transfer fees and since we are taking fees, fees. When you think Western Union stores you initially think expensive, which is why I avoided it. I highly doubt walking into an actual store or any other app on the planet would charge less than the $3, I spent on fees. This rate is less than most ATM fees and it gives me leverage as to what I can send and the frequency. I couldnt believe it, they also throw in customized e-cards and you can earn unlocks as you go. This gives the process warmth. Last thought on this. I think Western Union should offer point to point virtual and physical debit cards prepaid, checking or otherwise similar to CashApp but with International support. This would change the game and the world as WISE to my knowledge is the only one in the game. As far as this app? It just works and thats all I want and you do too.
Send Money For Cash Pickup

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Choose country, amount and delivery method .
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Enter your receiverâs name.
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Pay with your card6
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Youâll get a confirmation by email. Save the tracking number to share with your receiver for pickup.
Send money to a mobile phone
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How To Send Cash In Person
Simplicity is one of the main benefits when making a money transfer with cash. Its just a case of finding the Western Union agent location that works best for you. We have more than 4,4002 across the UK, giving you plenty of choice.
Heres how to send cash in person in three easy steps. Please note, you can only pay in cash to send money for cash pickup not to a bank account.
2Agent location count valid as of September 30th 2021.
How To Send Money Anonymously Western Union: About The Fees
Western Union costs differ based on how you transfer funds, how it is received, and where it is sent. In most circumstances, Western Unions online service limits you to $5,000.
Follow these procedures if you want to spend $500 in the U. S. and hand it off individual:
It costs $27.50 to transfer cash to a users checking account or to have them pick it up in person.
Transferring cash to the recipients account may cost you 99 cents if you want to spend $500 online .
The transaction from your bank account costs $11 if your recipient picks up cash in 0 to 4 working days.
Youll have to spend a lot more if you want the recipient to be able to pick up cash immediately now.
If you send money using the Western Union app or phone client service, the costs are the same as they are online. Sending to other countries might be more or less costly.
Your bank or card provider may also charge you fees. If you pay with a credit card, the purchase is termed a cash loan, which implies youll be charged fees and a greater rate of interest with no time limit.
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Why Send Cash To Someone
Whether its a gift, financial support or to help pay a bill, your first thought when sending money to someone may be to transfer funds to their bank account. But despite increasing moves to a cashless society in recent years, there are still many who are unbanked. In 2019, the Financial Conduct Authority published research estimating 1.3 million UK adults did not have a bank account.
Fortunately, although it hasnt always been the case, it is possible to send cash to someone without using a bank account and for someone without an account to collect cash from you too.
There are other reasons to use cash. Some people prefer it to avoid spending or sending more than is required. You can also avoid potential credit1 card fees, and there is less risk of identity theft or your information being stolen online.
1 Some card issuers may charge additional fees for using our services. Please contact your card issuer for more information.
How To Use Western Union Services
You can send or receive money using various methods, including financial institutions, P2P payment apps, and money transfers. For example, Western Union can let you accomplish things that banking cant, such as sending money to somebody and having them snap things up at their local supermarket. Making payments through Western Union, on the other hand, might be risky, so approach with care and make sure its the right tool for the task.
Western Union is the quickest and most convenient method to transfer money to people you know and trust. Users may bring cash to a Western Union agent, input bank or credit card details online, or complete the transaction via phone or email.
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Can I Use Western Union At Kroger
Kroger is an official partner of Western Union and you can execute money transfers, pay bills, and cash checks at one of the nearly 2000 Kroger locations in the USA. Of course, you can alternatively make money transfers online. If you want to locate the nearest Kroger store, you can use this helpful tool. For more information on the topic, make sure to visit the official Kroger Money Services website.
Choose Your Preferred Way To Send Money To Family And Friends
1. Transfer money at a Post Office
Sending money overseas is as easy as a trip to the Post Office. Get face-to-face support and service from our friendly staff.
Head to a participating Post Office with your Australian mobile number and one of the following forms of current and valid ID:
- Australian driver’s license
- Australian Proof of Age card4
Well tell you the currency exchange rate and any applicable fees for your money transfer upfront. Confirm your recipient details, pay using cash or EFTPOS and your money is on its way.
There is no need to prefill any forms youll only need to fill out a Western Union brochure at the counter if youre a new sender or transferring money to a new recipient.
2. Transfer money online
Send money online 24/7 from the convenience of your online device.
3. Start your money transfer online and finish in-store
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Collecting Money At A Western Union Location
How To Transfer Money With Western Union

This article was co-authored by Michael R. Lewis. Michael R. Lewis is a retired corporate executive, entrepreneur, and investment advisor in Texas. He has over 40 years of experience in business and finance, including as a Vice President for Blue Cross Blue Shield of Texas. He has a BBA in Industrial Management from the University of Texas at Austin.There are 14 references cited in this article, which can be found at the bottom of the page.wikiHow marks an article as reader-approved once it receives enough positive feedback. This article received 14 testimonials and 87% of readers who voted found it helpful, earning it our reader-approved status. This article has been viewed 1,017,895 times.
Western Union is a wire transfer service that allows you to quickly transfer money all over the globe. While its not without risks, it is a reliable way to get money to friends and family almost anywhere in the world. Follow this guide to make sure your money gets to where it needs to go.
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