Western Union vs Caxton: Fees & Reviews Compared (2025)

Below we compare them on their fees and reviews.

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Fees

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

	Western Union	Caxton
Trustpilot Rating	3.9	4.8
Number of Trustpilot Reviews	50,800	4,700
iOS App Rating	4.8	4.6
Number of iOS App Reviews	630,000	7
Android App Rating	4.6	N/A
Number of Android App Reviews	28,000	N/A

Data taken from relevant websites at time of publication.

	Western Union	Caxton
App Transfers	Yes	Yes
Online Transfers	Yes	Yes
Phone Transfers	Yes	No
In-person Transfers	Yes	No
Available Countries	200	170
Number of Currencies	130	28
Payment Methods	Bank account Debit card Credit card Cash	Bank account Debit card
Receiving Methods	Online wallet Bank account Cash pickup Home delivery	Bank account
Cash Pickup Option	Yes	No
Payments Flexibility	Web platform Mobile app Phone In person	Web platform Mobile app
Supported Languages	English, Spanish, French, Danish, Norwegian, Turkish, German, Italian, Russian, Swedish, Chinese, Dutch, Polish, Ukrainian, Portuguese, Japanese, and Finnish	English
Transfer Speed	Within minutes for cash or debit card transfers 1-3 days for transfers between bank accounts	1-2 days
Dedicated Dealer	No	Only for business clients
Instant Custom Quote	Yes	No
Business Features	N/A	Spot contracts Forwards contracts Batch payments Risk management tools Rate alerts API integration
Debit Card	Western Union® Netspend® Prepaid Mastercard	Caxton Currency Card
Cancellation Policy	Cancellations are possible as long as the money hasn’t been claimed by the recipient.	While Caxton does offer a cancellation policy, the ease of canceling an international money transfer largely depends on how quickly you act and the status of the transaction.
Suitability	Small money transfers	Small and large money transfers

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

	Western Union	Caxton
Year Founded	1851	2002
Headquarters	Denver, CO, United States	London, UK
Other Office Locations	Brazil, Sweden, Australia, New Zealand, Poland, Austria, Canada, France, Germany, Italy, China, Japan, Malaysia, Malta, Singapore, Switzerland, South Korea, United Kingdom, etc.	No other offices
Annual Trading Volume	$300 billion	£1 billion
Number of Employees	10500	170
Number of Clients	150 million	660000
Regulatory Institutions	State licensing in the USA FINTRAC in Canada FCA in the UK AUSTRAC in Australia	FCA and the HMRC in the UK
Awards	Digital Edge 25 Awards (2016) Payments Innovation of the Year (2016) Candidate Experience Award (Talent Board, 2017, 2018) “Way to Go” Champion Award (Denver Regional Council of Governments, 2019) Regional Partner Award (Education for Employment, 2019) Humanitarian Logistics Award (American Logistics Aid Network, 2020) Consumer Payments Innovation Award (FinTech Breakthrough Awards, 2021)	FX Provider of the Year (FT and Investors Chronicle Awards, 2018) 5 Star Travel Prepaid Card (Moneyfacts, 2018)

Data taken from company websites and other third-party sites. It was believed to be accurate at the time of publication but may have since changed.

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

See More Comparisons:

	Western Union	Caxton
Homepage
Transfer Fee	Based on the sender’s location, transfer amount, and payment method. Usually, there’s a fee that’s as low as $0-$15, but some can be as high as $100 if sending to an exotic location or paying by credit card.	No fee
Average Exchange Rate Markup	1% – 5%	N/A
Minimum Transfer Amount	$1	£100 (or currency equivalent)
Maximum Transfer Amount	Depending on the sender’s country: $50,000 if identity verified $3,000 if identity isn’t verified	£100,000 (or currency equivalent); £10,000 if paying with a debit card.