1 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. For money transfers made by cell phone, the funds will be paid to the receiver’s mobile wallet account provider so they can then be credited to the account linked to the receiver’s cell phone number. Additional third-party charges may apply, including SMS, account over-limit and cash-out fees. See the transfer form to learn more about restrictions.
2 Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.
3 If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply. To avoid these fees or for reduced fees, use a debit card or check other payment methods.