Western Union vs Send Payments: 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	Send Payments
Trustpilot Rating	3.9	4.9
Number of Trustpilot Reviews	50,800	250
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	Send Payments
App Transfers	Yes	No
Online Transfers	Yes	Yes
Phone Transfers	Yes	Yes
In-person Transfers	Yes	No
Available Countries	200	180
Number of Currencies	130	37
Payment Methods	Bank account Debit card Credit card Cash	Bank account PayID POLi
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	0-2 days
Dedicated Dealer	No	Yes
Instant Custom Quote	Yes	No
Business Features	N/A	Spot contracts Delayed contracts Limit orders Stop-loss orders Recurring transfers
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.	Most money transfers can be canceled upon contacting Send Payments. Note that transfers that have been completed are seldom refunded.
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	Send Payments
Year Founded	1851	2018
Headquarters	Denver, CO, United States	Gold Coast, Queensland, Australia
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.	Sydney and Melbourne (Australia)
Annual Trading Volume	$300 billion	AU$200 million
Number of Employees	10500	60
Number of Clients	150 million	N/A
Regulatory Institutions	State licensing in the USA FINTRAC in Canada FCA in the UK AUSTRAC in Australia	ASIC and AUSTRAC in Australia
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)	Best International Money Transfer Provider (Mozo Experts Choice Awards, 2020) Finnies Finalist (FinTech Australia Awards, 2020) Most Promising Money Transfer Service for 2022 (MoneyTransferComparison, 2022)

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.

A large selection of payment methods
Top-tier customer service
Stellar Trustpilot score
No transfer fees
Favorable exchange rates
Fast money transfers
Personalized care with dedicated account managers
Customizable business tools including stop orders, limit orders, and delayed contracts
180 countries available
Slick web design

Top Rated Money Transfer Service

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

See More Comparisons:

	Western Union	Send Payments
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%	0.01
Minimum Transfer Amount	$1	AU$250
Maximum Transfer Amount	Depending on the sender’s country: $50,000 if identity verified $3,000 if identity isn’t verified	No limit (AU$25,000 for recurring, daily transfers).