westernunioncom

Western Union provides international money-transfer services. Founded in 1851, the service combines an agent network with online and mobile options for cash pickup, bank deposits and mobile‑wallet deliveries across more than 200 countries.

Founded1851

Price tier$$

Main focusInternational money transfers

Global coverage200+ countries & territories

Key features

Typical uses and features

01Global reachA large network of agent locations and digital delivery channels provides access across major corridors worldwide.

02Flexible deliveryDelivery options include cash pickup, bank deposit, mobile wallet or card funding; availability varies by country.

03Regulation and complianceSubject to longstanding regulatory oversight and compliance controls; provides tracking and fraud‑prevention measures.

Everyday remittances

For individuals sending family support or wages, Western Union offers online or app transfers, in‑person agent cash pickup, and same‑day options on many corridors. Fees and exchange margins vary by route and payment method. Tracking and pick‑up references are provided for recipients without bank accounts.

Business & digital payments

Western Union provides services for cross‑border supplier payments, payroll and mass disbursements. Its digital tools include batch uploads, APIs and bank rails for automated payouts; mobile and card delivery options are available in regions with limited banking infrastructure.

What they sell

International money transfersDomestic money transfersCash pickupBank account transfersMobile wallet transfersBill paymentsBusiness payments & mass payouts

Summary

Key facts

Extensive global agent network and digital reach
Multiple delivery methods (cash, bank, mobile)
Transfers available on many corridors, including same‑day options on some routes
Provides tracking and reference numbers

Limitations and risks

Fees and exchange‑rate markups can be higher than low‑cost alternatives
Customer‑service experiences vary by market

FAQ

How long do transfers take?

Transfer times depend on corridor and delivery method. Some cash pickups are available within minutes; bank and mobile‑wallet deposits can take from minutes to several business days.

Can I cancel a transfer or get a refund?

Cancellations and refunds depend on status and payout method. When a transfer has not been collected or deposited, cancellation may be possible online or via customer service; fees or exchange adjustments may apply.

Are promotions available?

Promotions or reduced fees may be available in some regions or for certain routes, payment methods or account types; terms and availability vary.