Send money overseas: Western Union vs Wise (TransferWise)

Which money transfer service has less fees and better rates when you need to send funds overseas?

Updated Mar 10, 2021

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When you need to send money overseas from Australia, choosing the right provider to handle the transaction is crucial. Poor exchange rates and high transfer fees can turn a simple transaction into an expensive nightmare and leave a big hole in your bank balance, so it’s vital that you compare transfer providers before sending any funds overseas.

Western Union and Wise both offer competitive international money transfer services from Australia to countries in all four corners of the globe. But which company offers the most affordable and convenient transfers? Let’s compare them and find out.

I want to send

	Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
	AUD 1	1 - 2 days	AUD 45.00	0.775	USD 7,715	Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments Customer service Phone, Chat, Email Available currencies AED, ARS, AUD, BDT, BGN, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CZK, DKK, EGP, EUR, GBP, GEL, GHS, HKD, HRK, HUF, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, PEN, PHP, PKR, PLN, RON, RUB, SEK, SGD, THB, TRY, TZS, UAH, UGX, USD, UYU, VND, XOF, ZAR, ZMW Go to site Read the full review
	AUD 1	Same day	-	-		Western Union sends money online to friends and family in 200+ countries around the world.		Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Phone, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order Transfer options One off payments Customer service Phone, Email Available currencies AED, 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, 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, LVL Read the full review

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

I want to send

Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
GBP 0	1 - 2 days	AUD 0.00	0.77	USD 7,696	Special offer: $40 off when you transfer more than $250+ with code AUFIND40, conditions apply. Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 0.00 Transfer methods Online, Bank Account to Bank Account Transfer options One off payments Customer service Chat, Email Available currencies AED, ALL, AMD, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYR, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HUF, IDR, ILS, INR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KZT, LAK, LBP, LKR, MAD, MDL, MGA, MKD, 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, SEK, SGD, SLL, SRD, STD, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VND, VUV, WST, XAF, XCD, XOF, XPF, ZAR, ZMW Go to site Read the full review
AUD 250	1 - 2 days	AUD 0.00	0.772	USD 7,717	$0 transfer fees for Finder customers. OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 250.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, AZN, BGN, BND, CAD, CHF, CNY, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, LKR, MAD, MGA, MXN, MYR, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, RUB, SAR, SBD, SCR, SEK, SGD, THB, TOP, TRY, TWD, TZS, USD, VEF, VND, VUV, WST, XOF, XPF, ZAR Go to site Read the full review
AUD 2,000	1 day	AUD 0.00	0.773	USD 7,727	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.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 2,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, JPY, NOK, NZD, PLN, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
AUD 2,000	1 day	AUD 0.00	0.772	USD 7,717	Send guarantees to match any competitor’s exchange rate. T&Cs apply. Fee-free transfers in 30+ currencies to over 200 countries.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 2,000.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments, Forward contracts Customer service Phone, Email Available currencies AED, AUD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KES, KWD, MXN, MYR, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
AUD 2,000	1 day	AUD 0.00	0.772	USD 7,719	Better exchange rates for Finder customers. WorldFirst sends 60+ currencies at competitive rates. If you find a better eligible quote, WorldFirst will beat it.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 2,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Chat, Email Available currencies AED, AUD, BBD, BGN, BHD, BWP, CAD, CHF, CLP, CNY, COP, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HRK, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KRW, KWD, LKR, MAD, MUR, MXN, MYR, NOK, NPR, NZD, OMR, PEN, PHP, PKR, PLN, QAR, RON, RUB, SAR, SEK, SGD, THB, TND, TRY, TTD, TZS, UGX, USD, VND, XCD, ZAR Go to site Read the full review
AUD 1	1 day	N/A	N/A	N/A	Pay no fees on your first two transfers, up to $3,000. SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Chat, Email Available currencies AUD, EUR, GBP Go to site Read the full review
AUD 1	1 day	AUD 52.00	0.771	USD 7,671	Pay no fees on your first two transfers, up to $3,000. SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Chat, Email Available currencies AUD, CAD, CNY, EUR, GBP, HKD, IDR, INR, JPY, KRW, LKR, MYR, NPR, NZD, PHP, SGD, THB, USD, VND, ZAR Go to site Read the full review
AUD 10	Within an hour	AUD 2.99	0.766	USD 7,662	Special offers like free transfers and better exchange rates available for new customers. Remitly has quick, affordable transfers around the world, with both express and economy options.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 10.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Chat, Email Available currencies ARS, AUD, BDT, BGN, BOB, BRL, CLP, CNY, COP, CRC, CZK, DOP, EGP, ETB, GHS, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, INR, JMD, KES, KMF, KRW, LKR, MAD, MXN, MYR, NIO, NPR, PEN, PHP, PKR, PLN, PYG, RON, RWF, THB, TND, TRY, TZS, UGX, USD, UYU, VND, XAF, XOF, ZAR Go to site Read the full review
AUD 1	Same day	AUD 0.00	0.771	USD 7,711	XE has fast transfers with no fees and a range of foreign currency tools.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account Transfer options One off payments, Market orders Customer service Phone, Email Available currencies AED, AMD, AUD, BAM, BBD, BDT, BGN, BHD, BND, BRL, BSD, BWP, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EUR, FJD, GBP, GEL, GTQ, HKD, HNL, HRK, HUF, ILS, INR, JMD, JOD, JPY, KES, KRW, KWD, KZT, LKR, LSL, MAD, MKD, MUR, MWK, MXN, MYR, NAD, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SZL, THB, TND, TOP, TRY, TTD, TWD, TZS, UGX, USD, VUV, WST, XCD, XPF, ZAR Go to site Read the full review
AUD 200	1 - 2 days	AUD 50.00	0.774	USD 7,700	Exclusive: Use code FINDER10 to receive US$10 off your first transaction. InstaReM offers simple transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 200.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options One off payments Customer service Phone, Chat, Email Available currencies AUD, BDT, CAD, CNY, EUR, GBP, HKD, IDR, INR, KRW, LKR, MYR, NPR, PHP, PKR, SGD, THB, USD, VND Go to site Read the full review
AUD 5	1 - 2 days	EUR 3.00	0.767	USD 7,671	Special offer: Zero fees on your first 10 transfers. CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 5.00 Transfer methods Online Transfer options One off payments Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, IDR, ILS, INR, NOK, NZD, PHP, PLN, SEK, SGD, THB, USD, ZAR Go to site Read the full review
AUD 1	Same day	AUD 3.99	0.766	USD 7,654	Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply. WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, ANG, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review
AUD 1	1 - 2 days	AUD 45.00	0.775	USD 7,715	Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments Customer service Phone, Chat, Email Available currencies AED, ARS, AUD, BDT, BGN, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CZK, DKK, EGP, EUR, GBP, GEL, GHS, HKD, HRK, HUF, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, PEN, PHP, PKR, PLN, RON, RUB, SEK, SGD, THB, TRY, TZS, UAH, UGX, USD, UYU, VND, XOF, ZAR, ZMW Go to site Read the full review

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Meet the contenders: Western Union vs Wise

Western Union: One of the best-known names in the international money transfer game. With a history dating back to 1851, Western Union offers quick and easy transfers to more than 200 countries around the world. You can use Western Union to send in-person cash transfers or online transactions, and you can send funds to overseas bank accounts or for cash collection from more than 500,000 Western Union locations worldwide.

Wise: Wise is a much newer arrival on the international transfer scene, founded in 2011. The London-based company operates a peer-to-peer money transfer service that promises fast transactions and bank-beating exchange rates. All transfers are sent online to your recipient’s bank account.

Exchange rates: Western Union vs Wise

The exchange rate is often the most crucial factor in determining the affordability of a transaction. You want to find the highest exchange rate available so you get the best value for the Australian dollars you want to convert into another currency.

Western Union: Western Union’s exchange rates vary greatly depending on the amount of money you are sending, where you send it and the transfer method you select. They also change daily. However, it does offer a handy price calculator on its website to help you find out what exchange rate will apply to your transaction. Like most money transfer providers, Western Union makes money on the margin between the mid-market exchange rate and the rate it offers to its customers.

Wise: Meanwhile, because Wise is a peer-to-peer money transfer service, it allows you to send money overseas using the real mid-market exchange rate. As a result, it offers superior exchange rates to Western Union and is a clear winner in this category. Wise’s live rates are easily visible by selecting your currencies on the provider’s homepage. Click 'Go to Site' in the table above to see the rates for your transfer.

The table below compares exchange rates for a $1,000 international money transfer in several common currencies. Make sure to compare current live rates between transfer providers before submitting a transaction request.

	Wise	Western Union cash transfer	Western Union bank account transfer
AUD/USD	1 AUD = 0.75860 USD	1 AUD = 0.7320 USD	1 AUD = 0.7320 USD
AUD/EUR (France)	1 AUD = 0.66442 EUR	1 AUD = 0.6034 EUR	1 AUD = 0.6170 EUR
AUD/GBP	1 AUD = 0.58489 GBP	1 AUD = 0.5550 GBP	1 AUD = 0.5550 GBP
AUD/INR	1 AUD = 49.11176 INR	1 AUD = 48.1896 INR	1 AUD = 48.1896 INR
AUD/NZD	1 AUD = 1.04167 NZD	1 AUD = 1.0062 NZD	1 AUD = 1.0062 NZD
AUD/CAD	1 AUD = 0.98540 CAD	1 AUD = 0.9282 CAD	N/A
AUD/PHP	1 AUD = 38.41892 PHP	1 AUD = 37,719.29 PHP	1 AUD = 37,7193 PHP
AUD/CNY	1 AUD = 5.15867 CNY	1 AUD = 5.1147 CNY	1 AUD = 5.1407 CNY

*Exchange rates at 07/07/17. Always source a quote for current rates.

Transaction fees: Western Union vs Wise

The other main cost you need to consider when sending a transfer – and the other way transfer providers make money – is the transaction fee.

Once again, Western Union’s fee varies depending on the amount you send, the destination country and your transfer method. The price calculator tool on its website can be used to work out how much you will have to pay for your transaction.

As it doesn’t apply an exchange rate margin, Wise relies on charging fees to make money. Fees vary depending on the amount you send and where you send it, but a minimum fee of $2 always applies. For example, the following fees apply if you want to send AUD to GBP with Wise:

Amounts up to $10,000: a fee of 0.7% applies
Amounts over $10,000: a fee of 0.7% applies to the initial $10,000, and a 0.5% fee applies to anything over that amount

You can find full details of Wise’s fees on its pricing page, but the table below outlines transaction fees for a number of common currencies when sending AUD$1,000:

	Wise	Western Union cash transfer	Western Union bank account transfer
AUD/USD	$6.95	$20 (credit or debit) $9 (bank transfer)	$0 (credit or debit) $4 (bank transfer)
AUD/EUR (France)	$6.95	$70 (credit or debit) $9 (bank transfer)	$10
AUD/GBP	$6.95	$20 (credit or debit) $9 (bank transfer)	$10
AUD/INR	$6.95	$20 (credit or debit) $9 (bank transfer)	$4
AUD/NZD	$6.95	$20 (credit or debit) $9 (bank transfer)	$10 (credit or debit) $4 (bank transfer)
AUD/CAD	$6.95	$70	N/A
AUD/PHP	$9.90	$28 (credit or debit) $7 (bank transfer)	$10 (credit or debit) $4 (bank transfer)
AUD/CNY	$14.78	$18 (credit or debit) $9 (bank transfer)	$8 (credit or debit) $6 (bank transfer)

*Rates correct as of 07/07/2017. Always source a quote for current rates.

As you can see, the right provider for your transfer will depend on the size of your transaction. For example, while Wise is a cheaper option when sending $1,000 to China as per the table above, if you were sending $5,000, Wise’s fee rises to $73.90 while you still only need to pay $8 (bank account transfer) or $18 (cash transfer) to send the funds with Western Union.

How to send money with Western Union and Wise

It’s quick and easy to send money overseas with both Western Union and Wise. If sending money online with Western Union you will need to follow these simple steps:

To send cash online with Western Union:

Click 'Go to Site' in the table above.
Register for a free account online.
Verify your identity with a valid form of ID, for example your driver’s licence or passport.
Login to your account and enter the details of your transaction (how much you’re sending and where, including your recipient’s bank account details).
Pay for the transaction with your credit or debit card.
You will receive an email confirmation with a tracking number.
The money is deposited into your beneficiary’s account.

To send cash from a Western Union location:

Visit your nearest Western Union branch.
Complete a “Send Money” form.
Give the Western Union agent the completed form and the funds to cover the transfer amount and fee.
Save your receipt and give the tracking number to your recipient so they can collect the cash.

If you want to send funds with Wise, you will first need to sign up for an account:

Click the 'Go to Site' button at the top of this page.
Sign up for an account on the Wise website.
Verify your ID.
Enter the details of your transfer, including the amount, currency and your recipient’s bank account details.
Pay for the transaction using your bank account or card.
Your funds will be sent to your beneficiary’s bank account within 1–4 working days.

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Supported countries and currencies

Before you choose a transfer provider, it’s important to check whether it will allow you to send money to your chosen destination and in the currency you want.

Western Union is the clear winner in this category, offering transfers in more than 135 currencies to over 200 countries. Rather than listing all the supported transfer destinations here, we recommend using the price calculator tool on the Western Union website to find out where you can send funds.

Wise doesn’t support as many currencies as Western Union, but it does allow you to send and receive the following currencies:

It also allows you to send (but not receive) the following currencies:

Transfer options: Western Union vs Wise

There are several other options you should consider to help you decide which transfer provider offers the most convenient service for you. Check out the table below to see how Western Union and Wise stack up across a number of other key categories.

	Western Union	Wise
Payment methods	Credit or debit card Instant bank transfer Cash (in-person cash transfers)	Electronic funds transfer Credit or debit card
Transfer time	Within minutes (cash transfers) 1–4 working days (bank transfers)	1–4 working days
Maximum transaction limit	$50,000	$1,800,000 (when paying from bank account) $3,500 (when paying by card)
Business payments	Yes	Yes
Forward contracts	No	No
Limit orders	No	Yes

Customer support

One of the often-neglected factors you should consider before choosing a money transfer service is the customer support it provides. This ensures that you will be able to have your questions answered promptly and problems efficiently dealt with if they arise.

Western Union: Western Union offers a frequently asked questions section on its website, while you can also access help via phone and email customer assistance.

Wise: Wise offers a handy online help section with a wide range of frequently asked questions and basic advice articles. Phone, email and live chat support are also available.

To get a clearer idea of the services and support offered by transfer providers, it’s a good idea to read online reviews from other customers.

Which option is better: Western Union or Wise?

Whether you should send your international money transfer with Western Union or Wise depends on the details of your transaction. In most cases you will find that Wise represents the more affordable option, with better exchange rates and lower transfer fees, so it will usually be the best option if you are looking for the cheaper of the two.

However, there are certain situations where Western Union is a more suitable choice, such as if you want to send an exotic currency not supported by Wise. Western Union is also a worthwhile option if you’re looking for the speed and convenience of a near-instant cash transfer, allowing you to transfer cash to someone on the other side of the world within minutes.

Consider your transfer needs and objectives before you lodge a transaction and you will be able to choose the right provider to help you send money overseas.

Thank you for your feedback!

Tim Falk

Tim Falk is a writer for Finder, writing across a diverse range of topics. Over the course of his 15-year writing career, Tim has reported on everything from travel and personal finance to pets and TV soap operas. When he’s not staring at his computer, you can usually find him exploring the great outdoors.

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Azimo International Money Transfers

Special offer: $40 off when you transfer more than $250+ with code AUFIND40, conditions apply.
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

More info

OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.

More info

TorFX International Money Transfers

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.

More info

Send International Money Transfers

Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

More info

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Send money overseas: Western Union vs Wise (TransferWise)

Which money transfer service has less fees and better rates when you need to send funds overseas?

Compare Western Union and Wise

Compare up to 4 providers

Compare up to 4 providers

Meet the contenders: Western Union vs Wise

Exchange rates: Western Union vs Wise

Transaction fees: Western Union vs Wise

How to send money with Western Union and Wise

To send cash online with Western Union:

To send cash from a Western Union location:

If you want to send funds with Wise, you will first need to sign up for an account:

The latest in foreign exchange

Supported countries and currencies

Transfer options: Western Union vs Wise

Customer support

Which option is better: Western Union or Wise?

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