Western Union vs Currency Solutions: Fees & Reviews Compared (2025)

Below we compare them on their fees and reviews.

Sections

Fees

Top Rated Money Transfer Service

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

	Western Union	Currency Solutions
Trustpilot Rating	3.9	4.7
Number of Trustpilot Reviews	50,800	2,500
iOS App Rating	4.8	N/A
Number of iOS App Reviews	630,000	N/A
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	Currency Solutions
App Transfers	Yes	No
Online Transfers	Yes	Yes
Phone Transfers	Yes	Yes
In-person Transfers	Yes	No
Available Countries	200	160
Number of Currencies	130	40
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 Phone
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	3 hours-2 days
Dedicated Dealer	No	Yes
Instant Custom Quote	Yes	No
Business Features	N/A	Spot contracts Forwards contracts Market orders Options contracts Risk management Recurring transfers API integration
Debit Card	Western Union® Netspend® Prepaid Mastercard	None
Cancellation Policy	Cancellations are possible as long as the money hasn’t been claimed by the recipient.	The company allows for transfers to be canceled and refunded if the transaction hasn’t been completed. Refunds may be subject to exchange rate changes and additional charges depending on the circumstances.
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	Currency Solutions
Year Founded	1851	2003
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.	Amsterdam (the Netherlands), Dublin (Ireland), and Paphos (Cyprus)
Annual Trading Volume	$300 billion	£1 billion
Number of Employees	10500	70
Number of Clients	150 million	150000
Regulatory Institutions	State licensing in the USA FINTRAC in Canada FCA in the UK AUSTRAC in Australia	FCA 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)	The Best Currency Transfer Provider (Trade Finance Global Currency Awards, 2016) Top-rated International Money Transfer Provider (Trustpilot, 2017 – 2020)

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.

Outstanding customer support
Impressive Trustpilot rating
Fee-free transfers for larger amounts
Competitive exchange rates
Service availability in over 160 countries
Robust currency offerings with support for 40+ global currencies
Longstanding industry experience
Quick fund transfers
Advanced business FX features, including market orders and options contracts for effective currency risk management
Personalized service through dedicated account managers

Top Rated Money Transfer Service

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

See More Comparisons:

	Western Union	Currency Solutions
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.	£10.00 fee for transfers below £3,000; £0.00 fee for transfers above £3,000.
Average Exchange Rate Markup	1% – 5%	0.5% – 1%
Minimum Transfer Amount	$1	£100
Maximum Transfer Amount	Depending on the sender’s country: $50,000 if identity verified $3,000 if identity isn’t verified	No limit for transfers over the phone Online transfers £20,000 for personal accounts £50,000 for business accounts