Western Union - Independent review

All you need to know before sending money with Western Union

Largest money transfer network in the world Very fast and reliable money transfers Particularly convenient for cash transfers

8.20/10 Very good
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Western Union review by Monito

Western Union is the world’s leading money transfer provider, being both the largest and oldest company in the industry. Western Union’s service allows people to send and receive money at 500,000 agent locations in over 200 countries and territories around the world, as well as send money digitally through the Western Union website and mobile app in dozens of countries.

With Western Union, money can be received in 130 currencies and in several ways: in cash at an agent location or through an ATM; on a bank account; on a mobile wallet; or on a prepaid card. The money is often available within minutes after being sent, and you can pay for your money transfer by using cash, a debit or credit card, or your bank account.

Western Union’s slogan is “Moving money for better”, and indeed, the company’s service enables millions of people to send money to family members for basic living expenses, education, healthcare, or starting a business. Western Union also caters to businesses through its Western Union Business Solutions division, and offers bill payment services in certain countries.


PROS
  • Largest network of agent locations, allowing money to be sent and received in nearly every country in the world
  • Money can be sent both through several channels, including at Western Union agent locations, on its website, mobile app, or over the phone, whichever is most convenient
  • You can pay for your transfer and receive money in several different ways
  • Wide variety of services available for consumers and businesses
CONS
  • Sending to certain countries or sending cash at an agent location can be expensive
  • Not all channels are available in every country
  • With the standard consumer service, you can only transfer relatively small amounts (less than $5000)



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4,399 customer reviews on Western Union on Trustpilot


1 week ago
by TameR Ahmed

1 stars

Avoid stay away from this crap company

Avoid stay away from this crap company, I will share a recorded phone call with one of their staff soon

08/09/2017
by Chris

1 stars

I would have used 0 stars but the …

I would have used 0 stars but the online rating would not allow it. Western Union service is absolutely the worst online transferring service known to...Read more

I would have used 0 stars but the online rating would not allow it. Western Union service is absolutely the worst online transferring service known to mankind. If you want to transfer money overseas to a relative - forget it. They will call it a fraud and not let you take the risk on YOUR money along with an astronomical fee they charge to push a button. Money transferring service or total discrimination? I'm voting towards total discrimination. These money transferring NAZI's are the most ineffective way of transferring money EVER. I could send cash via the USPS and at least get the money to its destination. .

08/04/2017
by Patric

1 stars

Extremely bad company and service.

Extremely bad company and service. I sent money and money was pulled from my account then stopped due to security reasons, something wrong with name on...Read more

Extremely bad company and service. I sent money and money was pulled from my account then stopped due to security reasons, something wrong with name on my account (but they had no trouble taking the money). Said it would be sent back within 30 days. 30 days! Sent another one to the same company. Money was pulled from my account. Called WU up to check that everything was OK, and it was. When they went to withdraw the money, they were told that money was sent back to the sender. I called WU and got a lot of different reasons. System down, to fraudulent account to not matching names. This time you would give back my money within 7 days. Seriously 30 days and 7 days to give back my money? First and only experience with Western Union. Never again!


More reviews

08/03/2017
by john clyde Apa

5 stars

Its very Convenient to use

Its very Convenient to use

08/02/2017
by Aamir Saeed

1 stars

AVOID

AVOID, AVOID, AVOID I've transferred a money to Pakistan and it has been more then two weeks now and receiver didn't get the money - When I called them...Read more

AVOID, AVOID, AVOID I've transferred a money to Pakistan and it has been more then two weeks now and receiver didn't get the money - When I called them and I been told that due to technical issue in their system - this happened and now I should wait for 30 days to follow their billing period in order to get my money back........I've spent three hours on calls during last two weeks.......Still no result....My family is waiting for money as I've sent it for their monthly support.........THIS COMPANY IS FRAUD.......AVOID THEM

07/29/2017
by Saul Savage

4 stars

My opinion

My opinion, the service is always been excellent. Many thanks Saul Savage.

07/28/2017
by David Browne

2 stars

Frustration with WU app transaction service

I regularly use the WU app on my phone to transfer money overseas, but rarely without time-consuming problems. The app is unreliable, often stops part-way...Read more

I regularly use the WU app on my phone to transfer money overseas, but rarely without time-consuming problems. The app is unreliable, often stops part-way through the transaction and today it did not work at all. I visited four agents to hand over the cash and give them my phone number but two said the system was down, another no longer handled app transfers and the fourth said there was no record of my phone number and proceeded to set up the transaction manually... but after ten minutes of entering all the basic details he tried to charge me £7.50 instead of the £3.90 charge for an app based transaction. I gave up in frustration. Western Union need to sort out their IT. They clearly have issues and the service is sloppy and amateurish. I am losing confidence in Western Union and I'm uncrrtain about whether I can trust them with my money. And all this after they recently raised the charge for cash transfers via the app from £2.90 to £3.90. Not good.

07/24/2017
by voxcast stemmenbureau voor voice over

1 stars

Fraudulous

Fraudulous. If the money does not get picked up, they try every trick in the book not to refund it. Also pour communications and hard to reach the right...Read more

Fraudulous. If the money does not get picked up, they try every trick in the book not to refund it. Also pour communications and hard to reach the right department. Never try this again.

07/24/2017
by Technonet Computer Services

5 stars

Thank you for adding knowledge and …

Thank you for adding knowledge and value to me today am so bless from you i will always luv u how i which this continue from here u are make me cry a...Read more

Thank you for adding knowledge and value to me today am so bless from you i will always luv u how i which this continue from here u are make me cry a warmly tears of luv

07/23/2017
by Anna Cowfer

1 stars

For over a year we have been sending …

For over a year we have been sending money to my friend in Pakistan with no problem online. Now all of a sudden all of our transactions are being denied...Read more

For over a year we have been sending money to my friend in Pakistan with no problem online. Now all of a sudden all of our transactions are being denied and blaming us for not giving all the information and then tried to blame it on my credit card company. The people we call barely speak english and they keep giving us different explanations and contradicting themselves. I am very angry and will never use this company again.

07/23/2017
by Greg Brown

1 stars

This company is dreadful

This company is dreadful. I used their online service to transfer money to a supplier in China and sent them payment immediately. I then received an...Read more

This company is dreadful. I used their online service to transfer money to a supplier in China and sent them payment immediately. I then received an email requesting I call as the payment was on hold. I called and was asked endless questions by two sacharinely polite staff only to be told they are rejecting my transfer for my own safety and I must wait 7 days for my money too be returned.

07/20/2017
by Isil Aliprandi

1 stars

total disaster from WU Service in China

We had a problem with WU Service in China. I sent money to my cousin living in Lanzhou on 1st of June, 2017. However My cousin couldn't get the money. He...Read more

We had a problem with WU Service in China. I sent money to my cousin living in Lanzhou on 1st of June, 2017. However My cousin couldn't get the money. He says that the employees in the WU office do not help him and everybody sends him to another office or bank. I contacted WU Customer Support in China but they reply me with the same templates and say the same thing so far and they are not of much help to us. Then, they started an investigation and found out that his name in the passport and in the transaction do not match??!! It's ridiculous because I sent money to the same receiver two more times before, I used just the "Resend" option so I did not change any info and he went to the Chinese agents to take the money with his same passport and he managed to take the money before. Anyway, it's a total disappointment from Western Union. After many phone calls, help requests as well as waiting for almost 2 months, nothing can be solved.

07/18/2017
by Maria Theresa Watson

4 stars

I have been call western union for over …

I have been call western union for over ten hour to know why my name has been bar and uptil now i can't get an answer. I am a hard working person very...Read more

I have been call western union for over ten hour to know why my name has been bar and uptil now i can't get an answer. I am a hard working person very responsible i really want to know the reason and nobody in the entired western union can't give me a reasonable answer then if you guys can't tell then who must i go to must i go to the priminster or a pastor.

07/16/2017
by Patrick Thompson

1 stars

Had two Western Union money transfers …

Had two Western Union money transfers cancelled. The latest excuse WU provided is: " Upon reviewing your money transfer we have come to the...Read more

Had two Western Union money transfers cancelled. The latest excuse WU provided is: " Upon reviewing your money transfer we have come to the conclusion that there is an issue with your receiver is name, there is an internal match with a person that is not allowed to use our services, which is the main reason why your transactions are being declined." Well they seem to have a NAME MATCH, but have identified the WRONG person. HOw many people have the same name? I provided WU with proof of people having the same name as my intended receiver. One might think WU would correct this error, after being given EXTENSIVE information about the person's identity, as well as a copy of the person's government issued ID card. I am NOT holding my breath, as I have exchanged MULTIPLE emails with WU, and the person in question has provided them with identifiable information, as well. Still no resolution!!!! WU you are going to put your company out of business, there are hundreds upon hundreds of complaints about service, or should it be lack of service, on the internet.

07/13/2017
by Mohammed Hameed

1 stars

Worst Racist Company

Worst Racist Company - never cares about customers purpose and importance of the transactions. I live in UK for last 8 years and have sent so much money...Read more

Worst Racist Company - never cares about customers purpose and importance of the transactions. I live in UK for last 8 years and have sent so much money through sites like Western union, Transferwise.com, Worldremit etc. Only western union charges less when you send by credit card. In recent times, it seems very annoying by holding every payment we send and declining without any reason. This time, they called me asked me details about transaction and my name ("Mohammed") and my date of birth and they said the transaction is declined on the basis of Western Union's policy. I said i need to read your policy so I can be aware before using it. I hope am right. They kept saying that they can't disclose the policy for declining and according to their terms and conditions, they don't need any reason to decline rather they can decide to decline for any reasons they think. Till the end they don't want to disclose why my transaction got declined. I am software professional living a decent life for years, not a terrorist. Companies like these has to be thrown out of countries like UK where everything has a process and every people following it and everyone living a decent life. No one can be denied anything in this country without any legitimate reason. But still such companies survive and waste people's time. Finally, they asking me to send from Agent location, I have uploaded my driving license, National ID, NI card everything to set up this account. All this just waste of time.

07/12/2017
by Andrea Bertolotti

1 stars

Fake

Fake, they write "Send money in 1 minutes", this is not true. The verification need to wait more than 12 hours, or days!

07/12/2017
by Herme Chua

1 stars

Beware

Beware - their customer service is poor, especially when the transaction does not get completed. I tried all means of contacting their customer service to...Read more

Beware - their customer service is poor, especially when the transaction does not get completed. I tried all means of contacting their customer service to find out why I could not pick up money that was sent to me, and none of them could tell me why and what I could do to get it fixed. Phone, email, facebook, chat, PM, whatever I tried, they were not responsive nor helpful. The sender and I are so frustrated because this should be an easy transaction - why do they have to make it so hard? Their customer service team do not care - they are not sympathetic and do not seem to want to help. They all sound like robots and do not want to help the customer get the help they need.

07/11/2017
by Ochell Deocades Dolar

1 stars

western union micronesia chuck

Sir/Ma'am may I know what happen your branch in the in Micronesia,Chuck State of US..why you close in how many weeks my husband can't send money for me in...Read more

Sir/Ma'am may I know what happen your branch in the in Micronesia,Chuck State of US..why you close in how many weeks my husband can't send money for me in emergency situation.. Please check your branch their....thank you so much...God bless

07/11/2017
by utpal nayak

1 stars

don't trust western union

If you want your money to transferred in guaranteed way, then never use western union. My transaction was initially approved and later it was declined...Read more

If you want your money to transferred in guaranteed way, then never use western union. My transaction was initially approved and later it was declined without any reason. Then they take 7 to 10 business days to refund the money back to your account after multiple follow up. Use Xoom that is way better then westerunion.

07/11/2017
by King Bach

5 stars

there the best love it never had any …

there the best love it never had any problems

07/08/2017
by bkb1

1 stars

Something is wrong with Western Union

Something is wrong with Western Union. Using them for the last 3 years with no problem until 2 months ago. The last 3 attempted transactions were canceled...Read more

Something is wrong with Western Union. Using them for the last 3 years with no problem until 2 months ago. The last 3 attempted transactions were canceled and they refused to give me the reason. Each time they hold my funds for over a week before depositing back in my bank account. I would love to see a class action lawsuit against them. They say they are protecting me from fraud but the only fraud I see is WESTERN UNION!!!

07/06/2017
by Abrar

1 stars

This thing is ridiculous!!

This thing is ridiculous! This is my first transfer# 122 833 3710 & its mentioned on the transfer page it will take 4 business days NOT estimated NO 4...Read more

This thing is ridiculous! This is my first transfer# 122 833 3710 & its mentioned on the transfer page it will take 4 business days NOT estimated NO 4 business days! so I sent money and it was withdrawn from my account & I expected that my family will collect the money after 4 days ,but they couldn't and when I contacted WU they simply said "Please understand that due to security reasons, Western Union may conduct some verification process before a certain transaction will be approved." so it will take 10 DAYES !!! You should've mentioned this ON THE TRANSFER PAGE !! so I can look for another options !! I am really upset !

07/06/2017
by Vincent Leyson

1 stars

Sir/Maam,

Sir/Maam, Your new staff here in front of Public market Candon City Ilocos Sur, there not doing their job well. They made changes with my...Read more

Sir/Maam, Your new staff here in front of Public market Candon City Ilocos Sur, there not doing their job well. They made changes with my order to online there not trusted with the new staff here in CANDON ILOCOS SUR.

07/05/2017
by Patrick Thompson

1 stars

WU has cancelled two of my …

WU has cancelled two of my international money transfers and NOT provided a reason after multiple phone calls and several emails. Nor has WU provided a...Read more

WU has cancelled two of my international money transfers and NOT provided a reason after multiple phone calls and several emails. Nor has WU provided a solution for me to continue to use their service, which in the past I have used many times before. All of a sudden, POOF, not accepted. And still no refund on the second cancellation. It should ONLY take 12 hours for a refund folks, not two days. Customer service sucks!!!

07/02/2017
by Adam Randall

1 stars

Money taken & service then refused - Be very careful of using them

Well my bank card expired today so have no real way of getting cash until next week. So WU came to mind, have an account with them & logged in &...Read more

Well my bank card expired today so have no real way of getting cash until next week. So WU came to mind, have an account with them & logged in & all seemed straight forward. Used POLI to pay from my bank account and this is the point where I would suggest Western Union are common thieves. They allow me to authenticate with account details to my bank account and take my money out of my account. There is no alert or message that there is anything wrong with the transaction. I drill right down to the detail of the transaction where it says pending - further information required. So I ring their number and after about 30 mins of trying to find out how to get through to a human, they tell me they have decided to decline my transaction due to security checks. I asked why doing these checks was done after they took my money & they had no answer. I asked when I would see my money again, they said it had been transferred straight back into my account & took their word for it. Check my account and it was not back in there. Rang back and was escalated to the third group of people before realising its a waste of time & they have stolen my money and I will just have to accept that it is gone and be happy when and if it shows up in my account again. My question here is why do you not make your decision to process the transaction prior to taking my money out because me putting in my authentication details for my bank for a POLI transaction have nothing to do with Western Union, there is no information that Western Union needs from that process. This means you make your decision based on information you had prior to swiping my money from my account. That is why I consider you thieves. The same way I consider someone I give money to, to go to the shops and buy some food and then never say anything and disappear. When called they say, its all good I will be back in about a week but cannot fit what I promised to do in so I will give you back your money then. It is low in an ethical sense and I would like to think that by doing this sort of thing that the business suffers in some way even with the widely known name it has. The behaviour is despicable and I am glad I am not in a position where I need that money back in a hurry.

06/30/2017
by Nadine Blau

4 stars

The transaction is fast and convenient …

The transaction is fast and convenient for a person like me who is very busy. Thanks for this one

06/28/2017
by Eric J.

5 stars

Very useful company

Very useful company. For me as a traveler

06/27/2017
by Beryl

1 stars

I met with NO CARE from Western Union …

I met with NO CARE from Western Union 'UK Customer Care' when I was defrauded of £1,776.38 in 2011. The police were involved and I was informed I was not...Read more

I met with NO CARE from Western Union 'UK Customer Care' when I was defrauded of £1,776.38 in 2011. The police were involved and I was informed I was not a lone case. I discovered the outlet in Nicosia where my money had 'disappeared'. I established that there was no security camera. I had been informed (verbally) that camera evidence would record the recipient of my money showing passport evidence before being given my money. It is now 2017 and have heard nothing nor been offered ANY help from W. U. Tonight I was mortified to see their advertisement on T.V. promoting themselves to the public. My advice:- do not be sucked in to deal with a company who claim to check thoroughly the recipients of your money AND deny any responsibility when the worst happens.

06/27/2017
by Charley

1 stars

Totally unacceptable

Totally unacceptable! I sent two transfers to Panama, and later, when asking for records of said transfers, took four months of constant back and forth to...Read more

Totally unacceptable! I sent two transfers to Panama, and later, when asking for records of said transfers, took four months of constant back and forth to obtain records. Not only did it take four months but it took four resending of required forms to finally get results. I will never, ever, use Western Union again.

06/27/2017
by Win Tun Naing

1 stars

Miss handling transactions by status …

Miss handling transactions by status holding it, this type of unacceptable miss handling must notified WU Management.


Western Union has great reviews written by over 4'000 customers on Trustpilot. Here's a summary of what Western Union customers have to say:

Positive
  • It's extremely easy to send money to 200+ countries
  • Western Union is reliable and trustworthy
  • "In minutes" transfers are very fast
  • The website and mobile app are convenient, easy to use and straightforward
Negative
  • The service is expensive for some of Western Union’s customers
  • A few customers experienced delays in their transfers
  • Some were annoyed by the verification process they needed to go through and the answers they needed to provide (by law)
  • On some occasions, receivers had problem with cashing out a transfer at agent locations that were closed, wouldn't give the money because the identity wouldn't match (e.g. missing middle names) or didn’t have enough cash


Can I trust Western Union ?

The Western Union Company, better known under its brand name Western Union, is the largest money transfer provider in the world. Headquartered in Englewood, Colorado in the United States, Western Union has a global presence with over 10'000 employees across offices in 50 countries.

Originally founded as a telegram company in 1851, The Western Union Company launched its wire transfer service in 1871, which allowed people to send money throughout its telegraph network. It has been listed on the New York Stock Exchange (NYSE:WU) since September 1865, and is currently valued at approximately $10 billion.

Western Union's brand is recognized worldwide, and represents speed, reliability, trust and convenience for their 150 million customers. In 2015, Western Union's customers - both consumers and businesses - transferred over $150 billion, with an average of about 31 transactions per second!

In most countries, Western Union’s online service is offered by Western Union International Bank GmbH, which is licensed by the Financial Market Authority in Austria (Österreichische Finanzmarktaufsicht), and with Western Union International Limited. Western Union is regulated in many countries, including the US, Canada, Australia, New Zealand, Brazil, and Ireland.

Western Union has a state of the art regulatory, compliance and anti-money laundering infrastructure, into which it invests as much as into its marketing activities. The company relies on proprietary and cutting-edge data analysis to always remain compliant with the regulations of all the jurisdictions it operates in.

So, is Western Union safe to use? Yes, definitely. Western Union is the most experienced company in the money transfer industry, the largest, and probably the most trustworthy. They have an impressive track record of serving hundred of millions of customers and are very reliable.


Authorised by the UK Financial Conduct Authority (FCA)
Firm Reference : 502592

 




Western Union and Fraud/Scams

Money laundering, scams and fraud have sometimes been associated with Western Union. As the largest money transfer provider in the world, Western Union is unfortunately sometimes exposed to a small group of people trying to game the system to their own advantage for illegal activities. Western Union has a dedicated page for fraud and scam prevention, educating its customers on how to avoid becoming the victim of frauds and scams, and how to prevent from using Western Union to transfer money to fraudsters and scammers. Western Union has to follow strict rules to prevent fraud, money laundering, and terrorism financing, and has a dedicated team and infrastructure for regulatory compliance.




How Western Union works

How to send money with Western Union online

1. Register an account or, if you already have one, log into your account.

2. Choose the country you would like to send money to, as well as the transfer amount and the pay-out method (e.g. cash pick-up, bank transfer, etc.).

3. Enter your recipient’s name and other information such as their bank account details (if you are sending to their bank account) and telephone number (if you are sending to their mobile wallet). If you’ve already sent money to them before, you can simply select an existing receiver.

4. Pay with your debit or credit card. In some countries, you can also pay with your bank account by making a local bank transfer or by using an online payment system such as SOFORT, Trustly or iDEAL.

5. You'll get a confirmation by email with your unique tracking number (MTCN). If you’re sending money for cash pick-up, your recipient will need to provide the MTCN to collect the money.

How to send money with Western Union's mobile app

1. Open the WU mobile app and tap “Send money”.

2. Select the country you would like to send money to, and enter the amount you wish to send.

3. Choose how the money should be received, and how you wish to pay for your transfer.

4. If you’re not logged in, you’ll be asked to do so.

5. Enter your recipient’s name and other information such as their bank account details (if you are sending to their bank account) and telephone number (if you are sending to their mobile wallet). If you’ve already sent money to them before, you can simply select an existing receiver.

6. Enter your credit or debit card information, or simply use your phone’s camera to scan your card.

7. Review your transfer details, which includes your unique tracking number (MTCN). If everything looks good, simply tap send.

How to send money with Western Union at an agent location

1. Find and go to an agent location near you.

2. Fill out the money transfer form, and provide your recipient’s name and other information such as their bank account details (if you are sending to their bank account) and telephone number (if you are sending to their mobile wallet).

3. Give the completed form to the Agent, and pay for your transfer with cash or, in certain locations, a debit card.

4. You’ll get a receipt with your unique tracking number (MTCN). Make sure to keep it. If you’re sending money for cash pick-up, your recipient will need to provide the MTCN to collect the money.


 

Western Union Exchange Rate & Fees

Transfer fees

Western Union fees depend on the amount sent, the send and receive countries, as well as the pay-in and pay-out methods. Paying for your transfer with a credit or debit card and receiving the money in cash is generally the most expensive combination. Also note that fees at an agent location are generally higher than when sending online.


Exchange rate

Like most money transfer providers, Western Union makes part of their profit by taking a margin between the exchange rate they offer their customers, and the exchange rate at which they can acquire the currency. In fact, Western Union makes 25% of its profit through this exchange rate margin on average. This is why it’s important to pay attention to the exchange rate when evaluating a money transfer service.

Western Union sometimes offers better exchange rates if you send larger amounts of money, so it’s worth considering if this is possible, in which case you might be better off bundling a few of your transfers into a single one if you can.


Mobile apps

Western Union has an outstanding mobile app available on both Apple iOS and Google Android. The Western Union mobile app allows you to send money to 500,000 agent locations or 1 billion bank accounts worldwide, wherever you are and at any time. All you need is a credit or debit card which you can scan within the app by using your camera. With the Western Union mobile app, you can also track the progress of a past transfer, or estimate the fees or find a nearby agent location for a future transfer.

 



 

Additional services

Western Union Business Solutions

Western Union also caters to businesses under the Western Union Business Solutions brand name. This service, which the company launched in 2010 following its purchase of Canadian foreign exchange firm Custom House, allows businesses to use Western Union’s global business payment network and cross-border platform. Use cases include paying suppliers, employees and partners around the world, accepting payments from foreign customers, and sending mass payments globally.

In 2016, Western Union Business Solutions launched WU EDGE, an innovative online platform for SMEs to make and receive international payments, hold foreign currency, track their payables and receivables, and manage their cash flow and foreign exchange risk.

The Western Union Online FX platform of Western Union Business Solutions can also be used for personal transfers of over $5000, where Western Union’s traditional consumer service is unavailable. This allows consumers to make use of a professional platform for making high-value international payments.

Consumer to Business

Western Union’s consumer to business service is a fast and convenient way for consumers to pay bills from utility companies, auto finance companies, mortgage servicers, financial service providers, government agencies and other businesses. Bills can be paid using a debit or credit card, bank transfer, or with cash at a Western Union agent location. This service is currently only available in the United States under the Speedpay brand name, in Argentina under the Pago Fácil brand name, and in Peru and Panama under the regular Western Union brand name. A few other consumer-to-business and business-to-consumer services are available in both the United States and Canada, known as Western Union Payments (which includes the Quick Collect, Quick Pay, Quick Cash and Convenience Pay services).

Prepaid card

The Western Union NetSpend Prepaid MasterCard allows consumers in the United States to hold value on a prepaid card, and use their card to make and receive Western Union money transfers. The Western Union prepaid card can be used to shop online, buy groceries, pay bills, or collect cash at an ATM. You can get a direct deposit of your paycheck and receive government benefits directly on your Western Union NetSpend Prepaid MasterCard, which gives you a quicker and more convenient way to get and use your money.


The story behind Western Union

The Western Union Telegraph Company was born in 1851 after the fusion of the “New York and Mississippi Valley Printing Telegraph Company” and the “New York & Western Union Telegraph Company”.

While the company initially operated a telegraph service, Western Union started to offer a way to transfer money (the “wire transfer”) over its telegraph network throughout the United States in 1871. When the telephone started to replace the telegraph, money transfers became Western Union’s primary line of business.

After divesting from its telecommunication activities in the 80s, Western Union started sending money outside the US, and positioned itself as "The fastest way to send money worldwide". In 2000, Western Union launched WU.com to offer digital money transfer services, and later launched its mobile money transfer service in 2007. In 2009, Western Union acquired foreign exchange company Custom House for $370 million to start offering payment solutions to businesses under the name Western Union Business Solutions.

In 2015, the company launched WU Connect to allow social media users to send money through Western Union’s platform. The first integrations were made with WeChat and then Viber, and the company intends on continuing to grow the number of integrations with 3rd party platforms.


 


Which documents will Western Union require to verify my identity?

Once you register on the Western Union website, you can transfer up to a certain amount without having to submit any documents (e.g. £800 in the UK). For larger amounts, you will be required to submit the following documents to get your account verified. In order to comply with the anti-money laundering laws, Western Union may also ask for some additional documents to show the source of funds in case you transfer large amounts or make money transfers regularly.


Identification Documents

It can be a Passport or a Driver's Licence.

Proof of adress

In order to verify your address, Western Union will need to be able to see a document from a reliable institution showing your name and your address. This document can be a utility bill or a bank statement no older than 3 months.

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Key facts about Western Union

Service information

Time to open an account -
Pay-in options Credit card
Debit card
Bank Account
Cash
Pay-out options Cash
Airtime top-up
Mobile wallet
Minimum amount -
Maximum amount -
Available languages
Français
English
Deutsch
Español
Português
Italiano
Required documents -

Company information

Type of service provider Global money transfer operators
Active since 1851
Headquarter Englewood (US)
Regulated by FCA

Contact information

Contact support -
Service hour -
Twitter @WesternUnion
Facebook WesternUnion


Find the best provider for your next transfer

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