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)



Reviews powered by

4,456 customer reviews on Western Union on Trustpilot


18 hours ago
by sarhang hars

1 stars

one word

One word: Horrible. Most of the branches refuse to distribute your payment. They often say "Our system is down." Some of the employees would...Read more

One word: Horrible. Most of the branches refuse to distribute your payment. They often say "Our system is down." Some of the employees would cheat you. I had too many bad experiences with the to write them down here. But if you can avoid this place at any cost, do it.

1 day ago
by Mariela Arrieta

4 stars

The safest way to send money!

Very serious company, money always arrived without problem, in case of a doubt the customer service help you and a very polite and professional way, keep...Read more

Very serious company, money always arrived without problem, in case of a doubt the customer service help you and a very polite and professional way, keep it up, WU!

3 days ago
by Juan Perez

1 stars

The Worst Customers Service

This is a nice and fast way to send money but the customer service is the worst I’ve seen ever. I misplaced the tracking number and it took me 3 weeks...Read more

This is a nice and fast way to send money but the customer service is the worst I’ve seen ever. I misplaced the tracking number and it took me 3 weeks to get it from them. Hold times are more than 30 minutes, since you don’t have the number, they transfer you over to another area where you wait again forever and then they have no clue on what to do. They ask you to call again the main number and insist on getting the tracking number. So they keep you on this loop. Its been 3 weeks and still nothing.


More reviews

3 days ago
by Tanja K.

1 stars

useless

used to be simple and reliable. but recent times do not go any way to sand money. The money will be deducted from the card first, but you will receive an...Read more

used to be simple and reliable. but recent times do not go any way to sand money. The money will be deducted from the card first, but you will receive an email that the transaction has been rejected due to security. no further explanations. or canceld transactions after entering card information or through Trustly. just get an easy message "not approved" without knowing why. Useless!

5 days ago
by SamPun

4 stars

Good Service

Good Service

6 days ago
by Josh Blas

1 stars

It is the worst company to transfer …

It is the worst company to transfer money. The agents were always mean and not helpful. I learned my lesson.

6 days ago
by Mike Boss

1 stars

BITCOIN is more easy

My name is blocked and I cant send or receive payments. They require me to send many documents and hassle to open my account again. I switched to BITCOIN...Read more

My name is blocked and I cant send or receive payments. They require me to send many documents and hassle to open my account again. I switched to BITCOIN which is great and hassle free. MONEY GRAM is better than WESTEN UNION too.

6 days ago
by zubair abro

1 stars

Western Union is torturous

Doing business with the western union was the worst mistake of my life. I sent my money through them but immediately cancelled the transaction. They...Read more

Doing business with the western union was the worst mistake of my life. I sent my money through them but immediately cancelled the transaction. They haven't returned my money and it's been a month. They talk once a week and ask for documentation and never talk back. I have been sending them emails after emails but to no avail. They are a bunch a fraud who mentally torture people to the point of exhaustion. But I am determined and won't leave them until they return my money. I will keep giving them bad reviews on every forum. They have tortured me beyond ones imagination.

1 week ago
by Amin

1 stars

Very bad experience with western union

Very bad experience with western union. They cancelled my transaction and not even informed me. After calling them 1st time got automated message 'Call...Read more

Very bad experience with western union. They cancelled my transaction and not even informed me. After calling them 1st time got automated message 'Call other time we have technical issue' after calling second time got to know that they cancelled my transaction and customer service representative is not having enough details to tell me the reason. My money was deducted on same day and now they are saying it will take 5-7 days to get my money back that to no email about cancellation and tracking the refund. Cant trust them ANYMORE. Think twice before using Western Union.

10/08/2017
by Felicisimo Lorbes

1 stars

very bad service.

very bad service.. they will allow u send but they wunt allow to pick up.. there just wasting your time.. if they dont do any big transaction, they should...Read more

very bad service.. they will allow u send but they wunt allow to pick up.. there just wasting your time.. if they dont do any big transaction, they should have not allowed it in the first place.. and when u track it it is available for pick up but when u go to agent location it says Weatern wunt allow the transaction.. There system is so stupid..

10/07/2017
by Shano Mathison

1 stars

I give 1 star they messed up my payment …

I give 1 star they messed up my payment 2 times. The second time it was messed up they told me I had to call back in 10 minutes cause another agent...Read more

I give 1 star they messed up my payment 2 times. The second time it was messed up they told me I had to call back in 10 minutes cause another agent locked my file. When I went online 1 minute after the agent told me that it said my money was refund. I'm never using western union again. I would rather send "cash in the mail". 0 stars!!!!

10/06/2017
by Nishan BANOJAKEDJIAN

5 stars

the best fast and reliable way to send …

the best fast and reliable way to send money

10/04/2017
by الترس للخدمات المصرفيه

1 stars

very bad service and complicated

very bad service and complicated

10/03/2017
by T Brown

1 stars

Beware...

Used the phone app for a £4000 transaction at the last minute had a message saying over limit try again later. So I did a few hours later and the same...Read more

Used the phone app for a £4000 transaction at the last minute had a message saying over limit try again later. So I did a few hours later and the same thing happened. Checked my bank account and found WU had taken £8000 from my account. For the last 3 days I have been trying to recover my money. No reply to email or on facebook. The Philippines call centre is nothing but incompetent. Making me jump through hoops to recover my own money. Still ongoing. Just shockingly terrible.

10/01/2017
by Troy Dennis

1 stars

I AM A CUSTOMER, NOT A CRIMINAL!!

I have been using Western Union for couple of years now; from I was attending school in Jamaica. My mom have been working in USA and sending money to...Read more

I have been using Western Union for couple of years now; from I was attending school in Jamaica. My mom have been working in USA and sending money to support the family and me very very often. Since I came here in the USA and start working, I did the same send money to support the family back at home ever so often, I am a frequent western union customer, I appreciate there service very much, however I had 2 very very bad experience in less than one week!!!!! On September 26 I had a relative send me money from Jamaica, I went to western union the next day to collect the $300. Gave the clerk my ID and complete western union form. The clerk told me sorry western union send the money back to the person. I was like, ok but why? Clerk said she don’t know I would have to call western union myself. I was like ok, I left the western union and called my relative and tell them western union said they refunded you but didnt state why. My relative when back to that western union and got his refund, and the clerk there told him WESTERN UNION DON’T WANT ANY BUSINESS BETWEEN ME AND HIM, BUT DIDN’T SPECIFY ANY REASON AS TO WHY. So we were like ok, I don’t know what’s going on , but maybe there was some error. (This was at Western Union Check Cashing 300 E Sanford Blvd, Mt Vernon, NY 10550) On September 29, my girlfriend send me $400 through western union and I went to western union today September 30, 2017 at (Check Cashing 622A Main Street, New Rochelle, NY 10801) and was told the exact same thing by a clerk. That the money was refunded to the sender. I ask the clerk, why is that, she responded, she don’t know I have to call western union. I ask her, do you know why this has happen to me twice in one week. She said no, call western union. I ask her for western union number, she gave me 1 800 325 6000. I left the western union, went into my car and call the number, when I finally went through all the automative instruction and got a real person and explain that I have been a customer for a long time and twice this week I was unable to received money through western union that I have been conducting business with for years. Customer service rep was not helpful, infact the worst ever. This rep could not tell me why am unable to receive money through western union, infact she told to ask the sender to call western union to verify my information. I TOLD THE REP PLEASE LOOK UP MY PHONE NUMBER, IVE BEEN USING WESTERN UNION FOR THE LONGEST, I DESERVE TO KNOW WHY I CANT RECEIVE MONEY THROUGH WESTERN UNION. I LIVE IN THE USA AND I WORK LIKE ANYONE ELSE AND WESTERN UNION OPERN THEIR DOOR FOR BUSINESS TO CUSTOMER, PLEASE TELL ME WHY I CANT COLLECT MONEY HERE. CUSTOMER SERVICE REP WAS NO HELP, THEN SHE SEND MR SIR, YES SHE SAID MR SIR (EMAIL GCRWESTERNUNION.C WITH MY SITUATION) I SAID OK MISS, LOOK LIKE YOU READING YOUR INFORMATION FROM A SCRIPT AND YOU CANT REALLY HELP THANK YOU HAVE A GOOD DAY OK now I called my girlfriend, and told her go to western union and collect back your money, because am not able to collect, I told her before you do that can you please call the western union and find out why am unable to collect money, because ive been a customer with them, they have my number on file, my email address, and my address. They have to know am a customer with them. somehow customer service over here in USA cant help me. So, My girl called western and she was told that my NAME IS A OHOT NAME ON WESTERN UNION LIST AND I HAVE TO CALL 1 800 325 6000 OR EMAIL GCRWESTERNUNION.. Tell them my name, purpose of transfer, relationship with receiver and tracking number. LIKE IS WESTERN UNION SERIOUS??!! ALL this time I was sending money all that information wasn’t serious, but for me to receive money, I have to waste gas to go to a location to be told that money was refunded to sender. And then customer service cant help, now I have to email my relationship. SO WESTERN UNION HAVE INFORMATION THAT AM A CRIMINAL, WHY DIDN’T THEY ALERT AUTHOURITIES WHEN I ENTER THEIER ESTABLISHMENT AND FOUND OUT I WAS DOING SOMETHING WRONG. WHAT KIND OF BUSINESS IS THIS? PEOPLE DON’T HAVE THIS TYPE OF TIME TO WASTE, TYPICALLY. THIS IS BLUNT DISCRIMINATION, REGARDLESS OF WHAT EVER OTHER CHALLENGES WESTERN UNION FACES, THEY JUST CANT INCONVIENT CUSTOMERS. That money could have been to make up rent or get food on the table, I am a CUSTOMER!!!!!!! NOT A CRIMINAL

10/01/2017
by Moira Callo

1 stars

STAY AWAY!!!

I would give - if I have that option! DO NOT send your money! Their system is always down! When Its finally up, THey DO NOT have cash to give me my money!...Read more

I would give - if I have that option! DO NOT send your money! Their system is always down! When Its finally up, THey DO NOT have cash to give me my money! And it takes hours to get someone on the phone! I don't mind if you pay cheap to transfer money but money in minutes is like money in 5 days! What a SCAM!!

10/01/2017
by Bilal

3 stars

Hit and miss...unreliable service at …

Hit and miss...unreliable service at time using 2/3 hit and 1/3 miss... they better fix thei service since most of the banks already have better services...Read more

Hit and miss...unreliable service at time using 2/3 hit and 1/3 miss... they better fix thei service since most of the banks already have better services in place to transfer money except for small cash amounts which seems to be its niche.

09/30/2017
by Mirren Brewer

1 stars

A hive of scum and villainy

Used to transfer £1500 from US to UK and when I went to collect the money was told it had already been picked up. When investigated further it was picked...Read more

Used to transfer £1500 from US to UK and when I went to collect the money was told it had already been picked up. When investigated further it was picked up by someone with a Nigerian passport with my name on in London

09/27/2017
by Maxine Rorie

5 stars

Straightforward and quick to use

Straightforward and quick to use. Went online and sent cash to Brazil from debit card in USA. No problems at all.

09/26/2017
by Vadim Tsodikovich

1 stars

I wish the ZERO option would exist to …

I wish the ZERO option would exist to rate this terrible company.

09/26/2017
by Omit Omrit

1 stars

i have sent money 20 september

i have sent money 20 september. normally need 2/3 days but today 25 september reciver called me he don't get money . Good bye WU 1664093165

09/22/2017
by César Dos Santos

1 stars

Ive been using WU for quite a long time …

Ive been using WU for quite a long time but unfortunately I've been having some troubles with company recently. I sent a quite reasonable amount of money...Read more

Ive been using WU for quite a long time but unfortunately I've been having some troubles with company recently. I sent a quite reasonable amount of money to my own name to secure the money while I was going to my country to get some things done and to be sure I would have the total amount when I got back so I could take care of some issues here in London. However on the day I did the transaction (online) the money was picked up by someone else who wasn't me and called straight way to western union to know what was happening. What I got told was that it was a cause of fraud and I would get the refund in 20 days which that was the time the process would take place, HOWEVER almost two months later theres no news on the case and they keep dragging the process which makes me a bit annoyed since I'm calling every week to ask for updates and the conversation it's always based on "we are currently busy and with delays". It's a sad situation but I don't think I'll be using western union for a long time and I used to make transaction from 2 in 2 weeks.

09/19/2017
by V.Shepherd

1 stars

Poor customer service.

Never a problem until the recent "improvement" to thier website, then two different transactions failed right after they took the money from my...Read more

Never a problem until the recent "improvement" to thier website, then two different transactions failed right after they took the money from my account. First time I phoned, second time I e-mailed with screenshots of the error codes, three days later they tell me it might be a week before they return the money. I speak to the complaints department, mainly to find out if they will fix this website, did the error codes I supplied help ? We will contact you they said. 3 days later they replied that they checked and found customer services had acted correctly, no mention of the website, no mention if it would happen a 3rd time, they were more worried if they had acted correctly than assuring me that the website would work correctly. I was a registered customer with WU , had been vetted by them etc, not a giant customer but a regular one, I only wanted assurance that the website would work properly. Guess I will just have to find another company to send money with.

09/19/2017
by Beeloo EVO

5 stars

Can't imagine my work without WU !

Best money transfer service ever, can't imagine my work without WU.

09/17/2017
by Daman Singh

1 stars

If you have all the time in the world …

If you have all the time in the world than use this horrible service and their customer service monkeys are so stupid they dont know who to transfer your...Read more

If you have all the time in the world than use this horrible service and their customer service monkeys are so stupid they dont know who to transfer your call to and how to help you. Never NEVER going there again

09/16/2017
by Kurt Houser

1 stars

Always ready to take your money

Always ready to take your money, always a hassle trying to receive.

09/15/2017
by Marian Patel

1 stars

Has anyone else have this same problem …

Has anyone else have this same problem I am having with WESTERN UNION? I cancelled a transaction I had with them over a month ago using a bank transfer....Read more

Has anyone else have this same problem I am having with WESTERN UNION? I cancelled a transaction I had with them over a month ago using a bank transfer. They said that they've refunded the money to me, but as of today 14th September 2017, I have not received a penny from them. I sent them my bank statement which they requested to confirm that the payment is not there and they are still insisting that they have refunded it. My bank have checked all my accounts and confirm that nothing has been received. WESTERN UNION cannot confirm the account to which the money went, yet they are insisting that they have refunded it. I happen to check out their status online and I was shocked to see that their refund reputation is horrendous. If I had known that before I would not have used them. This is supposed to be a worldwide company and yet their accounting sucks. I have reported them and I hope you will join me in raising the awareness that they are NOT what they make themselves out to be. Let's avoid them if we can or make sure you pay them in cash so that you get your cash back. WESTERN UNION I have taken you viral because all my letters, phone calls and emails have not worked.

09/15/2017
by Rim IP

5 stars

good services

so good!!!!!!!!!!

09/15/2017
by R Kaur

1 stars

Legally robbery

Legally robbery. Had to advised them with legal action and complaint to Financial Ombudsman before I finally got my money back. WARNING DO NOT USE WESTERN...Read more

Legally robbery. Had to advised them with legal action and complaint to Financial Ombudsman before I finally got my money back. WARNING DO NOT USE WESTERN UNION. There are more professional companies out there for money transfer.

09/15/2017
by Lerleine cohen ORDER ID 406579

1 stars

When i send money online to jamaica …

When i send money online to jamaica but My sister haven't received. I checked up my bank . It already taken out from my bank done. Contract to Westren...Read more

When i send money online to jamaica but My sister haven't received. I checked up my bank . It already taken out from my bank done. Contract to Westren Union by emailed .. I realise my sister not log uk change Jamaica log. It Mistake. I lost my money gone . I know seem Hold by Austrian). Never back money to my bank Very poor and no helpful. i feel risk. I am told my friends and family about situation. i am withdraw online from Western Union.


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.

From our blog

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There are as many Western Union agent locations worldwide as…

In the world, there are as many Western Union agent locations worldwide as Post Offices, McDonald’s, Starbucks and Walmarts… combined! The scale of their pay-in and pay-out network is enormous and one of their key selling proposition. But how good is their service, really? Find out for yourself and learn about the company’s fascinating history […]


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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
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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


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Proudly made in Switzerland

Global Impact Finance Ltd
Rue Etraz 4
1003 Lausanne
Switzerland


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