International money transfer fees explained

International money transfer costs vary depending on the destination, payment and receiving methods, and the amount you want to send from Germany. Western Union money transfer fees1 start from 1,90 €. Discover more about our fees for moving funds online, via our app or in person.

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    FX: 1.00 EUR =


    Exchange Rates and Fees vary by payment and payout options and are subject to change. To check other options, simply click “Send money now”.

    80% customers take less than 6 minutes to complete an online transfer with WU.

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    How to transfer money internationally with Western Union


    Register for free

    Log in or register for a free profile to send money from Germany. You’ll need to verify your profile when transferring more than 1,000 EUR – which you can do using your driver’s license, passport or government-issued ID.


    Specify your transfer details

    Enter the destination, amount you want to send and the receiving method. Select the receiving currency if there’s an option to do so. You’ll get a free estimate of the Western Union fees1 at this time – so you can easily work out the total international money transfer costs with no obligation to send later.


    Add your receiver’s details

    Enter your receiver’s details to transfer money to their bank account. To send funds for cash pickup, provide their name and address.


    Pay and send

    Check you’re happy with the international money transfer fees1 and total, then pay for your transfer with your credit2 or debit card, bank account or Klarna. You can also use Apple Pay® when sending money via the Western Union® app.


    Confirm and track money transfers

    Confirm and pay and we’ll send you a confirmation email with your unique tracking number (MTCN) to track your money transfer.

    Ways to transfer and receive money internationally – with transparent fees

    Western Union transfer fees1 vary depending on where you’re sending funds to and how you pay for the transfer.

    The chosen receiving method and your receiver’s destination also affects international money transfer costs.

    Register to transfer money internationally today

    Quick and easy registration

    Register for free to start sending money online, via our app and in person today. It’s quick and convenient, so you can move money internationally with ease.

    Track your money transfer

    Track your money transfer online or via our app using your unique tracking number (MTCN) included with your receipt. Full transparency means you can always see where your money is.

    Pay the way that works for you

    Pay using your bank account, credit2/debit card or cash – if making an international money transfer in person. You can also use Klarna and Apple Pay® when sending money via our app.

    Convenient locations

    Send money to a Western Union agent location near your receiver. You can also find a convenient agent location near you to send money in person.

    Why choose Western Union for international money transfers?

    Ease and convenience

    Send money internationally in a convenient way for you – online, on our app or in person at an agent location.

    Commitment to security

    Our encryption and fraud prevention efforts help protect your Western Union money transfers.

    Worldwide reach

    We move money from Germany to more than 200 countries and territories around the world – including to approximately 600,0003 agent locations.

    Get rewarded with the My WU program

    Join My WU for free and collect points on your next money transfer. Redeem points for rewards and discounts6 on Western Union transfer fees1.

    The easy, reliable way to transfer money internationally

    Send money from Germany to almost anywhere, at any time, with Western Union. You can always check Western Union transfer fees1 and exchange rates before sending money to loved ones around the world.

    Send money to Africa

    Move money to your loved ones across Africa, with options to arrange cash pickup and send to a bank account or mobile wallet in some countries.

    Send money to Asia

    Send money to friends and family living in some of the most populated countries in the world, including India, China and more. Support those living and travelling across Asia with ease.

    Send money to Australasia

    Deliver money to the other side of the world, whether sending remittance, a gift or other financial support to loved ones in Australia and surrounding nations.

    Send money to Europe

    Arrange money transfers to German neighbours and those in other countries across Europe. Send euros with no need to consider exchange rates to some European countries.

    Send money to North America

    Convert euros to dollars, pesos and other relevant currencies when sending money to North America. Help out friends and family from the east to west coast.

    Send money to South America

    Support loved ones in South America with ease through simple money transfers to the continent. Check international money transfer fees1 before you send for full transparency.

    International money transfers in a few taps with our app

    Check the latest currency exchange rates and international money transfer fees1.

    Track your money transfer in real time on the move.

    Save receiver details to send money again quickly to friends and family.

    Download the app

    Rating as of 15 December 2022.


    Frequently asked questions

    What are Western Union’s international transfer fees1?

    Western Union transfer fees1 vary depending on the destination, money transfer amount, payment and receiving method. These are the general international money transfer fees1 for:

    • Sending money online: Western Union transfer fees1 for sending money online from Germany start at 1,90 €.
    • Sending money via the Western Union® app: Western Union transfer fees1 for sending money with the app from Germany start at 1,90 €.
    • Sending money in person: The transfer fees1 charged by Western Union and the exchange rates1 applied are explained in the money transfer form. This is provided at the agent location where you carry out the money transfer.

    If you use a credit card2 to send money online or over the phone, a credit card issuer cash advance fee and associated interest charges may apply. You can avoid these fees by using a debit card.

    How can I estimate the price of my Western Union money transfer?

    If you send money online or via our app, you can get a free estimate anytime with no obligation to send money later. Visit the send money form and enter your destination and the amount you want to send. You will see estimated currency exchange rates, money transfer fees1, delivery times and the money transfer total.

    Transfer fees1 and exchange rates provided are estimates only and are not guaranteed. Additional taxes and fees may apply.

    How do I check Western Union’s transfer fees1 and exchange rates with the app?

    If you want to send money from Germany with our app, you can check the Western Union transfer fees1 and exchange rates before you complete your transfer. Transfer fees1 vary depending on the destination, transfer amount, and payout method. You’ll be able to see them in the Western Union® mobile app.

    Does Western Union offer discounts on transfer fees1 and exchange rates?

    Register with the My WU program and you can earn points every time you send a qualifying money transfer. You can redeem your points for discounts6 and rewards with just a few clicks online or with our app. Your discount6 will be applied automatically to your next Western Union money transfer.

    Have more questions about money transfer fees1?

    Still have questions about our money transfer fees1 and exchange rates? We’re here to help!

    Visit our main FAQ page or contact our customer service to clarify your questions.

    Get rewarded with My WU

    Save on international money transfer fees1 when you join the My WU program.

    1 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.

    2 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.

    3 Agent location count valid as of December 31, 2021.

    4 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 mobile transactions funds will be paid to the receiver’s mWallet account provider for credit to the account tied to the receiver’s mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. See the transfer form for restrictions.

    5 Funds will be paid to receiver’s mWallet account provider for credit to account tied to receiver’s mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. Funds availability subject to terms and conditions of service. See Mobile Form for restrictions.

    6 Fee reductions apply only to the Western Union® transfer fee for a single Western Union Money Transfer® or Quick Collect® transaction. Excludes all other services, including without limitation, online bill payments, and money transfers via social/chat applications. Points used will not be reversible and if amount of transfer fee is less than redeemed discount, no cash, credit or refund will be provided. Western Union reserves the right to offer promotional discounts that cannot be combined with My WU fee reductions.