Western Union fees and exchange rates
- The transfer fee changes with the route, channel, funding and payout method.
- Western Union says its consumer exchange rate includes a margin.
- Credit-card funding can trigger issuer cash-advance charges and interest.
- A promotional $0 transfer fee does not remove the conversion cost.
Use the live estimator for the actual sending market and recipient option.
Western Union timing and safety
Eligible cash pickup and mobile-wallet transfers can arrive within minutes. Bank or card delivery may take up to several business days, depending on the route and funding method.
Only send to someone you know and trust. Identity checks, compliance reviews, agent opening hours and bank processing can delay a transfer, and recovery may be impossible after payout.