Western Union is considered to be among the biggest companies in the fund transfer organization. They have a strong grip in the industry, with operations in over 200 locations and countless pleased clients around the globe. They have developed numerous pickup locations all over the world where you may gain access to their facilities; they are at the same time available online. They have over 500 thousands pick-up locations around the globe, and you can easily get one close to you. They have always maintained a dependable reputation and a user-friendly attitude. The business was established nearly 167 years back, and over the years, they have been a leader in their industry. In this review, I will share with you some of the key features of Western Union and my personal take on its services.

How to transfer your money with Western Union

Sending money is quite simple with Western Union. It’s even easier if you can do it online! I tried using it and realized it to be quite quick and easy to use. They even have a mobile app. All you have to do is register for an account. The moment it is all set up, you can quickly begin sending out funds all over the world. Just input the amount and the currency in which you wish to transfer funds to, then proceed to pay. Just like that, Your transaction is done! And you can also see the transfer fee charged for the transaction and the currency exchange rate before you send out the money, too. In the end, you will also be informed of the tentative receiving date. They have several payment choices: debit/credit card, and direct from your bank account. In only a few moments, your transfer is all done. You could also make your funds transfer by visiting a nearby pickup location. You can just provide the needed details for the transfer, pay for it, and it is done. Isn’t it so easy?

Western Union’s Transfer fees and currency exchange rate

Western Union’s transfer fees are low compared to lots of service providers. It’s among the smallest fees in the industry. See? I have reviewed its transfer fee and exchange rates with 2 other major businesses. These business, WorldRemit and Xendpay, are both relatively new but growing quickly. You can see here the difference in their transfer costs for the same transactions. I calculated the costs of transfer from the United Kingdom to many locations and examined their results.

Country Amount sent Western Union WorldRemit Xendpay.com
USA £100 £2.90 £2.99 £1.00
France £100 £0.00 £2.99 £1.00
Australia £100 £2.90 £0.99 £1.00
India £100 £1.90 £1.99 £1.00
Country Amount Western Union WorldRemit Xendpay.com
USA £1,000 £2.90 £2.99 £4.50
France £1,000 £0.00 £2.99 £4.50
Australia £1,000 £2.90 £0.99 £4.50
India £1,000 £1.90 £1.99 £3.00
Country Amount Western Union WorldRemit Xendpay.com
USA £10,000 £0.00 £2.99 £45.00
France £10,000 £0.00 £2.99 £45.00
Australia £10,000 £0.00 £0.99 £45.00
India £10,000 £0.00 £1.99 £30.00

It’s quite obvious that for £ 100 Western Union’s fees weren’t the best. But for a larger amount of money, like GBP 1000 and £ 10000, Western Union’s cost was the most affordable.

Next, let’s compare their currency exchange rate. I found that the rates given by all 3 had little variation between them. It was quite obvious that Western Union’s exchange rates weren’t the best. But its rates were really competitive in comparison to a lot of companies.

Country Western Union WorldRemit Xendpay.com
USA 1.3132 1.31 1.31676
France 1.127 1.12 1.13206
Australia 1.777 1.78 1.78356
India 90.3979 89.71 90.30619

What is Western Union Speedpay?

Speedpay is a service dedicated to providing specific payment solutions to businesses with WU. Businesses use it to streamline even their biggest financial operations. It can be used to make payments to customers or obtain payments from their customers. Normally, these services are needed by organizations that deal with a huge number of payments every month to various parties. Western Union acquired Speedpay in 2002 and are now partnering with lots of businesses to offer awesome payment assistance.

Introduction to Western Union Netspend prepaid card

The WU Netspend card is a result of a new partnership among Western Union and Netspend. This offers you all the advantages of a Netspend card in addition to all the advantages of using Western Union. You can pay all your bills, make overseas money transfers, fast online transfers, and money from ATM machines with this pre-paid card. You additionally get attractive offers and money back rewards with selected purchases. They have a very appealing Refer-a-friend reward. With this, when the person you referred loads at least $40 on his card, you receive a $20 credit as a reward for getting the word out.


Western Union symbolizes reliability and persistence in its work. They get incredible reviews from their users. Now they are bringing out unique products and services that everybody can enjoy as well. Nevertheless, money transfer is still the focus of their company. In my research study, Western Union needs to improve a bit on their exchange rates. There are a number of rivals who are providing slightly better currency exchange rate, and they can quickly put Western Union in a drawback. Nevertheless, Western Union is still a strong company and has continued to hold its top position extremely securely.

Western Union Review

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