Send an international money transfer online with Western Union

Quickly and easily send money overseas online or in person with Western Union.

Western Union is the world’s largest money transfer company. The service allows you to make quick and easy money transfers to more than 200 countries around the world, and it has been helping people to send money for over 135 years.

You can lodge a transfer with Western Union either online or in person, and transfers can be sent 24 hours a day, seven days a week. You can send funds from your credit card, debit card, bank account or cash, to a bank account, a mobile phone or a prepaid card. And if your recipient needs cash fast, Western Union has more than 500,000 agent locations around the world where the cash can be picked up.

Product NameWestern Union International Money Transfers
Min. Transfer AmountAUD 1
Max. Transfer AmountAUD 5,000
Transfer MethodsOnline, Phone, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order
Transfer OptionsOne off payments
Transfer Speed
Minimum transfer time
Same day
Customer ServicePhone, Email
Available CurrenciesAED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, IRR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LTL, LVL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SRD, STD, SVC, SYP, SZL, THB, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZAR, ZMW
Online Transfer Fee5.00%
Exchange Rate UpdatesReal time

Pros

  • Offer services to over 200 countries
  • 500,000 agent locations for cash pickup
  • Wide range of transfer options available

Cons

  • Significant amount of transfer fee applies for some countries
  • Not the best exchange rate

Compare Western Union to other money transfer services

Rates last updated December 15th, 2018
Name Product Min. Transfer Amount Transfer Speed Services Description Online Transfer Fee Rate Amount Received
TorFX International Money Transfers
AUD 200
1 day
Online, Phone, Bank Account to Bank Account
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in over 30 currencies. Once registered, you'll be assigned an account manager who can provide support and guidance.
WorldFirst International Money Transfers
AUD 2,000
1 day
Online, Phone, Bank Account to Bank Account
Use code FINDER20 for $20 credit towards your next transfer*. Conditions apply.
Send 60+ currencies at competitive rates with $0 transfer fees for Finder customers. WorldFirst will beat any eligible quote from another provider.
*Offer valid for one-time use and only applies to transfers of AUD$10,000 or more.
OFX (Ozforex) International Money Transfers
AUD 250
1 - 2 days
Online, Phone, Bank Account to Bank Account
$0 transfer fees for Finder customers.
$0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.
WorldRemit International Money Transfers
AUD 1
Within an hour
Online, Bank Account to Bank Account, Cash Transfer
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.
Global Reach (formerly FC Exchange) International Money Transfers
AUD 3,000
1 day
Online, Phone, Bank Account to Bank Account
Global Reach will match any competitor's exchange rates. Conditions apply.
No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies. No maximum transfer amount.
XE International Money Transfers
AUD 10,000
1 day
Online, Bank Account to Bank Account
With global payments provider XE, enjoy fast and secure transfers and a range of foreign currency tools and calculators while benefiting from $0 transfer fees.
FlashFX International Money Transfers
AUD 200
1 day
Online, Bank Account to Bank Account
Low minimum transfer amount of just AU$200, with no set-up fees or transfer fees.
Exclusive: InstaReM International Money Transfers
AUD 200
1 - 2 days
Online, Phone, Bank Account to Bank Account
Exclusive: finder customers receive $15 off their first transaction. T&Cs apply.
InstaReM offers simple and quick international money transfers with zero-margin exchange rates. There's a flat 0.5% transfer fee for most transfers. Earn loyalty points on sign up, referral and every transaction, plus finder customers receive $15 off first transfer (T&Cs apply).
TransferWise International Money Transfers
AUD 1
1 - 2 days
Online
Make online transfers with transparent exchange rates, low fees and low minimum amounts.
Remit2India International Money Transfers
AUD 50
Same day
Online, Bank Account to Bank Account
Instant transfers to India from anywhere in the world with $0 transfer fees.
New customers who create an account with Remit2India and make a transfer of AUD$500 or more for the first time will receive a complimentary $25 Coles/Myer e-voucher. Click 'Go to site' for T&Cs.
The ‘Rate’ and ‘Amount Received’ displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

Compare up to 4 providers

Western Union exchange rates

Western Union updates its exchange rates regularly in line with fluctuating market conditions. As you’ll see in the comparison table below, the company offers competitive rates when compared to banks and even online money transfer services. However, it’s important to remember that fees will also apply to any transaction.

1 AUD in Western Union NAB CurrencyFair
USD 0.75 0.71 0.74
GBP 0.58 0.55 0.57
CAD 1.00 0.95 0.99
JPY 83.66 80.00 N/A
EUR 0.67 0.63 0.66
NZD 1.06 1.01 1.05
INR 47.79 46.72 N/A
CNY 5.11 4.87 N/A
THB 25.56 24.79 N/A

*Rates as at 5pm on 5/25/2017

How much does it cost to transfer money with Western Union?

The fees for Western Union may vary depending on how much money you are sending and where you are sending it to. To help you work out how much your transfer will cost, the company has a handy price estimator on its website.

As an example, sending $1,000 cash to Argentina will incur a transfer fee of $70 which is reflected in the screenshot below. However sending $1,000 to a bank account in the United Kingdom will only attract a fee of $10. Check the price estimator to see how much your transfer will cost.

westernunion snip

*Screen shot taken 3 July 2017


Minimum transfer amount and available countries

Western Union international money transfers must be a minimum of at least $10, and you’ll need to visit a branch if you want to transfer an amount greater than $5,000. With more than 135 currencies available, Western Union lets you transfer funds to more than 200 countries. While no list of excluded countries can be found online, the company does not offer transfers to a few select countries such as Iran and North Korea.


What types of transfers can you carry out with Western Union?

Western Union offers a wide range of options when you want to send money overseas.

  • Online transfers. You can lodge a transfer online via the Western Union website.
  • In-branch transfers. You can schedule a transfer by visiting your local Western Union branch - the company has over 500,000 agent locations worldwide.
  • Cash pick-up. Your recipient can pick up the funds by visiting a Western Union branch.
  • To a bank account. Funds can be transferred straight into your recipient’s bank account.
  • To a mobile phone. In select countries, Western Union allows you to deposit funds in a mobile wallet, which is an electronic account linked to the receiver’s mobile phone.

If you need help lodging a transfer, you can seek assistance by visiting a branch. Customer service is also available through an online FAQ section, via phone and through email.


The registration and transfer process

  1. Registration. You’ll need to register with Western Union in order to use its money transfer services. You can do this online via the website in less than five minutes.
  2. Identification. As part of the registration process, you’ll need an Australian driver’s licence, passport or Medicare card for identification purposes, so have these handy. You will also need to provide your residential address. You also need to be over 18 years of age.
  3. Make a transfer. Once your profile has been created, you can lodge transfers online or in person at a branch. You’ll simply need to supply your recipient’s full name and address, plus a credit, debit or prepaid Visa or Mastercard issued by an Australian bank.
  4. Transfer complete. Though funds availability can be affected by factors such as agent location hours, funds are typically available for your recipient to pick up within minutes.

Pros and cons of using Western Union

Pros

  • Currencies available. Western Union lets you transfer funds to more than 200 countries around the world.
  • Money in minutes. In many cases, your recipient is able to access the funds within minutes.
  • Better exchange rates than banks. Western Union typically offers exchange rates that are slightly better than those offered by banks.

Cons

  • Fees apply. Fees vary depending on the amount you are sending and where you are sending it to, but you’ll need to take them into consideration when deciding whether or not to use Western Union’s services. The example above shows an AUD$70 fee.
  • Rates could be better. You’ll typically be able to find better exchange rates from some online money transfer companies.

What other products and services does Western Union offer?

  • TravelWise. This travel card allows you to send money to yourself before you depart on your holiday and then pick up your cash in the local currency when you arrive at your destination.
  • Business transfers. Western Union Business Solutions offers a range of international payment solutions for small businesses and larger enterprises. It offers attractive exchange rates and the ability to do business with more than 200 countries.
  • Gold Card. This speeds up the money transfer process when you visit a Western Union agent by storing the details and the information of those you regularly send money to.

FAQs about Western Union

How long do transfers take?

Subject to agent location hours, cash is available for pick up within minutes in many cases.

Is there an app available to conduct transfers?

Yes, Western Union has an app for iPhone and Android that allows you to transfer funds internationally.

Can I cancel my transfer?

This may be possible if the funds have not yet been picked up by the recipient.

How can I find out the status of my transfer?

You’ll be given a tracking number and can check on the progress of your transaction by clicking ‘Track Transfer’ on the company’s website.

Western Union provides a viable option if you’re looking to send money overseas quickly. However, compare the rates and fees this company offers with those of other money transfer services to find the right service for you.

Got it – what do I do now?

If you believe Western Union can help with your money transfer needs, click on the green "Go to Site" button at the top of this page to be securely taken to the Western Union website where you can source a quote.


The largest money transfer company in the world, Western Union offers a fast and easy way to send money overseas. The company allows you to send funds to more than 200 countries around the world.

Was this content helpful to you? No  Yes

International Money Transfer Offers

Important Information*
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in over 30 currencies. Once registered, you'll be assigned an account manager who can provide support and guidance.

WorldFirst International Money Transfers

Use code FINDER20 for $20 credit towards your next transfer*. Conditions apply.
Send 60+ currencies at competitive rates with $0 transfer fees for Finder customers. WorldFirst will beat any eligible quote from another provider.
*Offer valid for one-time use and only applies to transfers of AUD$10,000 or more.

OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers. $0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.

WorldRemit International Money Transfers

An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

42 Responses

  1. Default Gravatar
    PriyankaAugust 27, 2018

    Hi,

    I transferred 1000 AUD to India on 26th Aug around 8 pm AEST. Now, it is 27th Aug 9 pm AEST. Still, If I go to make another transaction it says that “You have reached your daily send limit of 5000 AUD”. I do not understand how does it calculate the limit?

    • finder Customer Care
      JoshuaAugust 29, 2018Staff

      Hi Priyanka,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Your limit does not only depend on the amount of money you sent for a particular given day. It also includes transaction history, the receiver’s country, your location (state) and the service you choose.

      To confirm the real reason why you still can’t send money, you may want to directly get in touch with Western Union.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  2. Default Gravatar
    WendyDecember 30, 2017

    Hi,

    I was wondering can I buy Ripple from western union. This is similar to bitcoin.

    • finder Customer Care
      RenchJanuary 3, 2018Staff

      Hi Wendy,

      Thanks for your inquiry. Please note that we are not affiliated with Ripple or any company we feature on our site and so we can only offer you general advice.

      Western Union is a money transfer company. The service allows you to make quick and easy money transfers to more than 200 countries around the world. You cannot buy Ripple/Bitcoin from Western Union.

      You can buy Ripple as you would buy any other cryptocurrency: from an online exchange. Most require you to go through a verification process but once done you just buy the XRP as you would any other product online. Finally, transfer the coins to your wallet for safekeeping. You can get more info on this page.

      Best regards,
      Rench

  3. Default Gravatar
    ShinephilDecember 27, 2017

    Hi good day,
    Im from Australia, i just wanna ask if my mom can sent me money here in Australia from Philippines? How much is the maximum amount she can sent to me per day or per week or per month?

    Thanks,

    • finder Customer Care
      RenchDecember 27, 2017Staff

      Hi Shinephil,

      Thanks for your inquiry. Please note that we are not affiliated with Western Union or any company we feature on our site and so we can only offer you general advice.

      Yes, she can send money from the Philippines to Australia using Western Union money transfer. She can send money per day or per week or monthly, Whichever you will prefer.

      Western Union updates its exchange rates regularly in line with fluctuating market conditions. The fees for Western Union may vary depending on how much money you are sending and where you are sending it to. To help you work out how much your transfer will cost.

      Your mother from the Philippines can check with a Western Union branch or from their official site to check the minimum and maximum amount for transfer.

      Best regards,
      Rench

  4. Default Gravatar
    mccorp89bdJuly 6, 2017

    I am from Bangladesh. My friend will send money ($1000) from China. Please tell me how much is the western union charge?

    • finder Customer Care
      RenchJuly 6, 2017Staff

      Hi,

      Thanks for reaching out to us. Please note that we are not affiliated with Western Union or any company we feature on our site and so we can only offer you general advice.

      For sending 1000 USD from China to Bangladesh, the transfer fee is 48 USD. You may go to Western Union official site to see more details, you may click here. I suggest contacting Western Union directly for further inquiries.

      Hope this information helped.

      Cheers,
      Rench

  5. Default Gravatar
    MelindaApril 20, 2017

    Can I send money with your service from Australia to Yemen?

    • finder Customer Care
      LouApril 21, 2017Staff

      Hi Melinda,

      Thanks for your question.

      Yes, you may send money from Australia to Yemen through Western Union.

      You may also check this page to compare other service providers that allow you to send money from Australia to Yemen.

      Cheers,
      Anndy

  6. Default Gravatar
    amjApril 18, 2017

    I am in bangladesh and I want to tranfer 100 dollar to china. How can i do it ? Is it possible from chittagong town, bangladesh. How much extra money ( service charge ) I need to get this service? Thanks

    • finder Customer Care
      HaroldApril 18, 2017Staff

      Hi Amj,

      Thank you for your inquiry.

      With Western Union you can check directly to their website how much it would cost to transfer a 100 dollar From Bangladesh to China. In line with this, if you wish to send money in-person you may want to consider this process.

      1. Through our this page please click “go to site” button to redirect on Western Union’s website.

      2. Once you are already in Western Union platform please follow this procedure.


      I hope this information has helped.

      Cheers,
      Harold

  7. Default Gravatar
    TaraNovember 14, 2016

    I am already in India. Can I send money from my Aus bank account through Western Union to myself in India? And if so, how?

    • finder Customer Care
      LouNovember 14, 2016Staff

      Hi Tara,

      Thanks for your question.

      With Western Union, you can lodge a transfer online or in person, at any time. You can transfer from your bank account to a mobile phone, prepaid card or cash pick up if there are authorized agent locations in your area.

      To register and to read the complete instruction on how to initiate the transfer, just click the ‘go to site’ button above.

      Cheers,
      Anndy

  8. Default Gravatar
    syimaOctober 24, 2016

    Hello sir . I’m from Malaysia .can I change money Ghana to ringgit Malaysia . Please can u show I want to do.

    • finder Customer Care
      ClarizzaOctober 24, 2016Staff

      Hi Syima,

      Thanks for your comment.

      You can click on the ‘Go to Site’ button on our page. This will take you directly to Western Union’s website. Make sure you are using the Western Union Ghana website. From here, find the ‘Send Money’ tab and it will provide instructions on how to transfer money at an agent or online.

      Regards,
      Clarizza

  9. Default Gravatar
    TshepoSeptember 28, 2016

    I kindly like to find out how come it’s not possible to send money to a western Union agent in Mbabane Swaziland.

    • finder Customer Care
      ClarizzaSeptember 28, 2016Staff

      Hi,

      Thanks for your question. Unfortunately, we cannot answer that question as we are a comparison website and provide general advice only. If you are looking for a way to send money to Swaziland, you might want to try our Send Money Overseas page which lets you compare money transfer providers. On that page, you can also fill out the TorFX form to speak directly to a foreign exchange expert if you would like to discuss your personal situation.

      Regards,
      Clarizza

  10. Default Gravatar
    jodiAugust 17, 2016

    can you cancel western union money orders

    • Default Gravatar
      ChesterAugust 17, 2016

      Hello Jodi,

      Thanks for your question.

      Please be advised that they you have come thru finder.com.au and we are a financial comparison and general information provider. For this type of enquiry you may need to contact western union directly and have your tracking number ready to have your remittance cancelled. Please be advised that you may only be able to cancel it if the money hasn’t yet been picked up by the receiver.

      I hope this helps.

      Cheers!
      Chester

Ask a question
Go to site