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Review: Western Union Business Solutions

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Western Union Business Solutions

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Western Union's business product can help you manage cash flow and international payments around the world.

Western Union Business Solutions helps businesses of all sizes send and receive international payments 24/7. Part of industry leader Western Union, WUBS enables businesses to make payments almost anywhere in the world and provides risk management services.

In this guide

  • Review
  • Details
    • Product details
  • Frequently asked questions
  • Your reviews
  • Ask a question


Product details

Product Name Western Union Business Solutions
Pay By Bank transfer, Cash, Credit card, Debit card
Receiving Options Cash pickup location, Bank account
Customer Service Phone, Live chat, Email
Maximum Transfer Amount $50,000
Number of Currencies 138

Get customised rates and advice for your business

Western Union Business Solutions helps your business get the best exchange rates by assigning a specialist who can research an individual plan for you in the following industries:

  • Education
  • Law
  • NGO
  • Health care
  • Financial institutions

These plans get you the best rates and minimise the risk of rate fluctuations when you transfer money overseas.

Business solutions

Western Union offers multiple ways to make international payments and helps your business manage risk. Here are the highlights.

International payments

With Western Union Business Solutions, your business has options for making payments, including:

  • Outgoing payments. Send global payments to almost anywhere in the world.
  • Incoming payments. Get paid with Western Union's accounts receivable.
  • Mass payments. Send up to 10,000 payments at once.
  • Online payments. Conveniently make payments from your computer or on your smartphone.

Risk management

In addition to international payments, Western Union will help your business manage risk by:

  • Optimising your cash flow.
  • Reducing your exposure to currency fluctuations.
  • Implementing a hedging strategy.
  • Protecting your profits.

How much does WU Business Solutions cost?

Transaction and handling fees vary depending on where you’re sending money. Whenever possible, Western Union Business Solutions keeps money in its banking network to avoid fees.

In some cases, it transfers money through correspondent banks that could possibly charge fees.

What other services does Western Union Business Solutions offer?

In addition to international payments, WUBS customers can receive payments from customers and conduct business in their native language through a number of services that include:

  • Cross-border business payments. Western Union helps small and medium-sized businesses manage their international transactions.
  • WU Edge. Through this free international platform, you can find business partners, make global payments and manage your cash flow and international transfers.
  • Online FX. This streamlined platform helps you send outgoing payments and transfers 24/7 from your computer or mobile phone.

Pros and cons of WU Business Solutions


  • It’s secure. WUBS is backed by Western Union, a company that’s been around for more than 150 years.
  • Recurring payments. Western Union saves your billing information so that you can make automatic, recurring payments.
  • Competitive exchange rates. And you can lock in those rates for future payments.
  • Customised services. An exchange specialist evaluates your business to get the best rates for you.
  • Customer service. Speak on the phone with a representative 24/7.


  • Bank-to-bank transfers only. Unlike standard Western Union services, you can’t use cash or prepaid cards to fund a transfer.
  • Funding fees. Bank transfers can cost as much as $22.
  • Delayed delivery. Sending from a linked bank account can take up to five days for receipt.
  • No domestic payments. You cannot send money to and from the same currency.

How do I make international payments through WU Business Solutions?

To get started with Western Union Business Solutions, visit its website to set up a personal or business account. Be sure to have two forms of government-issued ID, like a driver’s licence and a passport.

Each time you log in to your account, you’ll have access to your payment history. If you use WU Edge, you can also manage your funds through an easy-to-use dashboard.

Making payroll payments and sending money through Western Union Business Solutions is quick and easy.

  • Log in or create a free account. To create an account, you will need two forms of ID.
  • Provide your recipient’s details. Including bank account information.
  • Initiate your payment. Select your currencies from drop-down menus and enter the amount of your payment.
  • Provide your funds. Pay with a wire transfer, linked bank account or bill pay.

Bottom line

Western Union Business Solutions is a way for businesses of any size to streamline their international billing. Its customised service finds the best exchange rates and fees for your specific industry and business.

But depending on your needs, be sure to compare the fees, rates and delivery speeds offered by other money transfer specialists before you part with your money.

How does Western Union Business Solutions compare to other business services?

Our table below lets you compare services you can use to send money abroad. Compare fees, exchange rates and discounts from different money transfer services, and when you have made your choice, click Go to site.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Qantas Business Money
Within minutes
Limited time offer: Earn up to 125,000 bonus Qantas Points as a first-time converter. Ends 30 April 2024. Conversion limits and T&Cs apply.
Set up accounts in 11 different currencies and get rewarded for global business payments by earning Qantas Points.
Within minutes
Streamline global payments in 60+ currencies. Send & receive securely in 150+ countries, with fast settlements & competitive rates. Simplify book-keeping & manage everything in one place.
TorFX Business Transfers
24 hours
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
OFX Business Transfers
24 hours
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
24 hours
From $0
Open bank accounts in Australia, the UK, US, Canada, Japan and Europe. Send and receive funds with zero fees for large sums, including same-currency supplier payments.
Send business
24 hours

Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.

Frequently asked questions about Western Union Business Solutions

Frequently asked questions

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Adrienne Finder

Head of publishing and editorial

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