1 Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice. Subject to applicable taxes (if any).
2 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, required receiver action(s), agent location hours, differences in time zones, or selection of delayed options. Additional Restrictions may apply. See terms for details.
3 Network data as of 31 December 2018.
4 Real time transfers are available to accounts with an associated UnionPay debit card number beginning “62”. Transfers to certain accounts may only be sent during China bank processing hours from 7.30 pm to 9.45 am Eastern Time. For first time receivers’ transfers may be delayed as we may need additional information from the account holder.