Review: Western Union Australia international money transfers

Send cash pick-up and bank transfers to 200 countries and territories around the world

Quick verdict

Good for
  • Sending money to just about anywhere
  • Multiple payment and payout options
  • Fast transfers
  • Sending money to someone who doesn't have a bank account
Not so great for
    • Expensive compared to alternatives
    • Not suitable for amounts over $5,000

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

Western Union exchange rates and fees

Western Union's exchange rates fluctuate frequently in line with the mid-market rate. However, the rate you get for your transaction will include a margin added on by Western Union, so there could be a difference of up to 5% (or even higher in some cases) depending on the currency you send.

Fees also apply to Western Union transfers, but the amount you'll be charged will vary depending on how much money you send, the country you send it to, how you pay for your transaction and how your beneficiary will receive the money. Western Union offers a "Price Estimator" tool on its website which you can use to check the exchange rate and fee for your specific transaction before you proceed.

Calculate how much sending money overseas would cost with Western Union by using our tool below. You can also check out the real-time exchange rate Western Union offers and if there are any additional fees.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 1 Same day AUD 20.00 0.655 USD
642
Send money online to friends and family around the world with Western Union. Show details

Compare up to 4 providers

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.

Check for the latest Western Union discount codes and coupons

Available currencies

Western Union offers transfers to 200 countries and territories around the world, so you can send funds in a wide range of currencies including:

  • CAD Canadian dollar
  • CNY Chinese yuan
  • EUR Euro
  • GBP British pound
  • INR Indian rupee
  • JPY Japanese yen
  • PHP Philippine peso
  • USD US dollar

You can check out the full list of supported currencies above.

What types of transfers can you make with Western Union?

There are two different ways to send a transfer with Western Union in Australia:

  • Submit your transfer online through the Western Union website or mobile app
  • Submit a transfer in person at your nearest Western Union branch

There are also two types of transfers you can send:

  • Cash pick-up transfers. When you send this type of transfer, your recipient can collect the cash you send from one of Western Union's 550,000 agent locations around the world.
  • Bank account transfers. The second option is to transfer money directly to your recipient's overseas bank account. However, this service is only available when sending money to select countries.

How long does a transfer with Western Union take?

If you're sending a cash pick-up transfer, the funds you send will be available for your recipient to collect within minutes.

If you're transferring money direct to your recipient's bank account, allow between 1 and 5 business days. The time it takes for the transaction to be completed varies depending on where you're sending the money. For example, while transfers to the UK typically take 1-2 business days, transfers to China can take 2-5 business days.

Transfers typically arriveClock icon for transfer speed

Same day

What payment methods does Western Union accept?

In Australia, you can pay for your Western Union transfer using the following methods:

  • POLi transfer
  • Credit card
  • Debit card
  • Prepaid card
  • Cash (when sending money in person)

Is Western Union safe to use?

  • Regulation: Regulated in Australia by ASIC
  • Established: 1851
  • Number of customers: Moved more than US$300 billion around the world in 2018
  • Reviews: TrustScore of 7.8/10* from 13,800+ reviews on Trustpilot
*According to Western Union and Trustpilot on 29 May 2019.

As a global money transfer company, Western Union must comply with all the relevant laws and regulations in the countries in which it operates. As it's based in the US, it is primarily regulated by FinCEN, the Financial Crimes Enforcement Network. In Australia, the company is regulated by the Australian Securities & Investments Commission (ASIC) and is also listed on AUSTRAC's remittance sector register.

Western Union is a globally recognised name in the remittance business and has been offering money transfer services for more than 145 years. It also claims to use SSL technology and a variety of other techniques to protect customer information.

How does Western Union make money?

Western Union makes money by charging transaction fees and by adding a margin on top of the mid-market exchange rate. The mid-market rate is the "real" exchange rate – use Google to check the current mid-market rate for your chosen currency pair.

How to register for an account

If you want to send an online transfer with Western Union, you'll need to register for a free online account first. You can do so by completing the following steps.

How do I make an online money transfer with Western Union?

To send a transfer online, complete the following steps:

  1. Log into your Western Union account.
  2. Choose your transfer destination, the amount you want to send and how your beneficiary will receive the cash. If sending to a bank account, you'll also need to provide your recipient's bank account details.
  3. Choose your payment method.
  4. Review the total cost of your transaction and submit your transfer.
  5. After paying for your transfer, you'll be emailed a Money Transfer Control Number (MTCN) which you can use to track the progress of your transaction.

What is Western Union?

Western Union is the world's largest money transfer service. Founded in the United States in 1851 as a telegraph company, Western Union now has over 550,000 locations in 200 countries and territories around the world. Its headquarters are located in Meridian, Colorado.

In a nutshell

Pros:

  • Huge global network. With 550,000 agent locations in 200 countries and territories, Western Union lets you send money just about anywhere.
  • Transfer options. You can send a cash pick-up transfer or deposit funds in your recipient's bank account.
  • Payment options. Western Union accepts payment via cash, bank transfer, credit card, debit card or prepaid card.
  • Fast transfers. If you're sending a cash transfer, in many cases the funds you send will be available for your recipient to collect within minutes.
  • No need for your recipient to have a bank account. The availability of cash pick-up transfers means you can send money to someone who doesn't have a bank account.

Cons:

  • High fees. Fees vary depending on your transfer amount and destination, but Western Union's fees are often higher than those of other transfer providers.
  • Disappointing exchange rates. Western Union adds margins approaching 5% on top of the mid-market exchange rate, so you'll be able to find better rates from other online transfer services.
  • Not suitable for large transfers. The maximum daily online transfer limit is $5,000, so Western Union isn't a good choice if you need to send a larger amount.

How does Western Union compare to other providers?

Input your transaction details into the calculator below to compare the exchange rates and fees offered by a range of money transfer services.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 250 1 day AUD 0.00 0.67 USD
670
Sign up through Finder and get a $50 Myer gift card when you send $10,000 or more. T&Cs apply.
SendFX guarantees to match any competitor's exchange rate. Fee-free transfers in 30+ currencies to over 200 countries.
Go to site Show details
AUD 250 1 - 2 days AUD 15.00 0.676 USD
666
$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.
Go to site Show details
AUD 200 1 day AUD 0.00 0.669 USD
669
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.
Go to site Show details
AUD 200 1 - 2 days AUD 5.00 0.678 USD
675
Exclusive: Finder customers receive $15 off their first transaction. T&Cs apply.
Quick and simple 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.
Go to site Show details
AUD 1 1 day AUD 0.00 0.675 USD
675
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. Go to site Show details
AUD 5 1 - 2 days EUR 3.00 0.675 USD
674
Special offer: Pay zero fees on your first 5 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
AUD 1 Within an hour AUD 3.99 0.676 USD
674
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
AUD 200 1 day AUD 0.00 0.668 USD
668
Low minimum transfer amount of just AU$200, with no set-up fees or transfer fees. Go to site Show details

Compare up to 4 providers


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.

Frequently asked questions

Was this content helpful to you? No  Yes

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Important Information*
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Global Reach will match any competitor's exchange rates. Conditions apply.
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SendFX International Money Transfers

Sign up through Finder and get a $50 Myer gift card when you send $10,000 or more. T&Cs apply.
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44 Responses

  1. Default Gravatar
    KatDecember 22, 2018

    I have a friend in the USA that wants to transfer or send me some money ASAP in Australia for Christmas. What is the best, easiest and most efficient way to do this? Can it be done here?

    • Avatarfinder Customer Care
      ValDecember 22, 2018Staff

      Hi Kat,

      Thank you for leaving a question and reaching out to finder.

      Yes this could be done through Western Union. Though we rates vary on a daily basis depending on exchange rates. Western Union and MoneyGram can send money using cash or EFTPOS. You may want to check this page for more options.

      Hope this helps.

      Cheers,
      Val

  2. 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?

    • Avatarfinder 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

  3. Default Gravatar
    WendyDecember 30, 2017

    Hi,

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

    • Avatarfinder 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

  4. 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,

    • Avatarfinder 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

  5. 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?

    • Avatarfinder 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

  6. Default Gravatar
    MelindaApril 20, 2017

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

    • Avatarfinder Customer Care
      DeeApril 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

  7. 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

    • Avatarfinder 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

  8. 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?

    • Avatarfinder Customer Care
      DeeNovember 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

  9. 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.

    • Avatarfinder 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

  10. 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.

    • Avatarfinder 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

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