How to redeem Western Union Rewards points and save on transfer fees

Top Trends By Western Union June 30, 2026

If you’re earning points with Western Union Rewards, redeeming is where you unlock more for all, more ways to save and more value in every transfer. Western Union Rewards is a free loyalty program where you earn points every time you send a qualifying money transfer. Those points can help you save on your next send.

Turn your points into more ways to save

Once you’ve earned points, you can use them to reduce your transfer fees.

It’s one of the easiest ways from something you already do, helping you do more with every send.

Understand how redemption works

When you have enough points, you can apply them to your next transfer:

  • Redeem 500 points to get up to $2 USD off your transfer fee* for transfers at westernunion.com or the Western Union app
  • Select your points redemption in the promo code section of the checkout page
  • The discount will be applied to your transfer fee at checkout

The discount depends on your transfer fee amount. If your fee is lower than the reward value, the discount will match the fee.

Where you can redeem your points

You can redeem your Western Union Rewards points however you send money:

  • On westernunion.com
  • In the Western Union mobile app

You can redeem points only for transfers started online or in the app.

To help you get the most out of your rewards, here are a few helpful things to know:

  • Discounts apply to transfer fees only
  • Any unused reward value will not be returned as cash or credit
  • Points are added to your account after your transfer is completed and the money is received or picked up
  • You can use your points on future transfers once they are added

Make every transfer count

Sending money is one way you support your family and stay connected. Western Union Rewards helps you do that while saving on fees over time. Every qualifying transfer earns you points and those points can help lower the cost of your next send.

It’s a simple way to get more from every transfer.

*Fee reductions apply only to the Western Union transfer fee for a single Western Union Money Transfer. Excludes all other services. Cannot be combined with other Western Union promotional offers.