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On this page
  • 1. Transfer Fees
  • 2. Exchange Rate Markup
  • 3. Service Types and Delivery Speed
  • 4. Payment Method Fees
  • 5. Receive Option Fees
  • 6. Additional Services and Fees
  • 7. FX Markup for Non-USD Transfers
  • 8. Agent Location Fees
  • Transparency and Accessibility

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  1. Peer-to-Peer

Western Union Fees Overview

Unraveling the Fine Print: Overview of All Western Union Fees

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Last updated 7 months ago

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When it comes to international money transfers, Western Union has been a trusted name for over a century, connecting people across borders. As users seek to understand the costs involved in sending and receiving money through Western Union, having a comprehensive guide to its fees becomes essential. In this article, we outline all the fees associated with Western Union to empower users with the information they need for smooth and cost-effective transactions.

1. Transfer Fees

imposes transfer fees for sending money to recipients in different countries. The amount of the transfer fee varies based on factors such as the sender's location, the recipient's location, the transfer amount, the payment method, and the selected service type.

2. Exchange Rate Markup

When transferring funds internationally, applies an exchange rate markup. This markup represents the difference between the mid-market exchange rate and the rate offered to the customer. As exchange rates fluctuate, understanding this component of the overall cost is crucial for users.

3. Service Types and Delivery Speed

offers different service types with varying delivery speeds. Expedited services, such as "Money in Minutes" and "Next Day" delivery, may incur higher fees compared to standard options. Users should consider their urgency and choose the service type that best aligns with their needs.

4. Payment Method Fees

The payment method chosen for funding the money transfer can influence the fees. Payment methods such as credit cards and debit cards may incur additional fees compared to bank transfers or cash payments.

5. Receive Option Fees

For the recipient, the method of receiving the funds may come with additional fees. provides various receive options, including cash pickup, bank deposit, and mobile wallet deposit. Each option may have different fees, depending on the recipient's location and preferences.

6. Additional Services and Fees

offers additional services, such as bill payments and money orders, which may have their own respective fees. Users should familiarize themselves with the costs associated with these services before initiating a transaction.

7. FX Markup for Non-USD Transfers

8. Agent Location Fees

Depending on the agent location where the money transfer is initiated or received, there may be additional fees or charges. Users should verify the fees associated with the specific agent location they plan to use.

Transparency and Accessibility

Western Union's fees encompass a range of factors, including transfer fees, exchange rate markups, payment method fees, service types, and receive options. By understanding these fees and considering various factors, users can make informed decisions, ensuring that their international money transfers are efficient, cost-effective, and tailored to their specific needs. Western Union's long-standing reputation, global reach, and commitment to transparency make it a reliable choice for individuals and businesses seeking secure and seamless cross-border transactions.

When sending money from a non-USD currency to a foreign currency, may apply an additional foreign exchange markup. This charge ensures that the transferred amount is accurately converted into the recipient's local currency.

is committed to transparency, and users can find detailed information about fees on the website or by reaching out to customer support. Understanding the fees applicable to their specific transaction is essential for users to make informed decisions and manage their financial costs effectively.

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