Western Union Transfer Fees

Calculate fees before you send, so you can choose the transfer option that works best for you.

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Get a 0 USD transfer fee* on your first online transfer!

Check*, confirm, and send in minutes. It’s that easy.

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Exchange rate

Our fees

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Delivery time In minutes

Total Amount 100 USD
*Western Union makes money from FX. Fees and rates subject to change without notice. Offer not available for Quick Collect, transfers within the United Sates, credit cards and Google Play.

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Send Money with $0 Transfer Fee

Get a $0 transfer fee1 on your first international online transfer and enjoy convenient exchange rates.

How to Calculate Your Total Transfer Cost

Use the send money online tool to enter your transfer details and calculate fees before you send.
Choose your destination
Select payment and payout options
Review total transfer cost

Why Fees Vary

Your total transfer cost can change based on the details of your transfer. Western Union helps you understand your options upfront by showing your transfer fees before you send.

Payment method

How you pay can affect your Western Union transfer fee. Credit card payments may cost more than other options due to added processing costs.

Destination country

International fees vary depending on where you’re sending money. Different countries have different banking systems and local requirements that can affect total cost.

Exchange rate fluctuation

Exchange rates change over time, affecting the total cost of an international transfer and how much your receiver gets.

Delivery type

The way your money is received can affect transfer fees. Cash pickup, bank account transfer, debit card payout, and mobile wallet delivery may have different fees and delivery times.

Transfer amount

Some transfers are priced differently depending on how much money you’re sending.

How to Get the Best Western Union Transfer Rate

Compare your options before you send to find the transfer rate and fees that work best for you. With the Western Union app you can track exchange rates, review your transfer fee, and choose the payment and delivery method that fits your needs.

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Rating as of March 2026

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Pricing and Fees FAQs

Does Western Union charge a transfer fee?

Yes, Western Union charges transfer fees. The total costs of your transfer will vary based on where you’re sending money, how you pay, how your receiver gets it, and the amount you send. Our send money online tool shows how your different options affect fees and total transfer costs.

Is Western Union cheaper online or in person?

Pricing can vary between online and in-person transfers. Enter your transfer details online or in the app to see a pricing breakdown. For sending money in-person, contact your local Western Union location for pricing.

Are there limits to how much I can send?

Yes, transfer limits may apply. Your send limit depends on your account status, destination country, currency, and payment method. Typically, unverified accounts can send up to approximately $3,000 USD and verified accounts can send up to $50,000 USD. 

Does Western Union offer discounts for new customers?

Yes, Western Union may offer promotions for new customers, such as a $0 transfer fee on your first international online transfer. Download the Western Union app to see current offers.

How do I contact Western Union customer service?

You can contact Western Union Customer Care via chat or phone call, or by visiting your local Western Union agent location.