3 Ways to Do a Money Transfer with Western Union

Ever needed to send money to a loved one fast, but weren’t sure where to start? Whether you're helping a loved one, covering a family member’s expense, or sending money abroad, Western Union offers flexible options to make transfers easy and stress-free. 

Key takeaways 

• Western Union offers three ways to send money: online, through the mobile app, or in person at an affiliate store like Advance America.
• Each method has different benefits based on your preferences and payment method.
• Transfer fees, exchange rates, and processing times can vary — so it’s smart to compare before you send. 

Western Union money transfers 

Western Union is one of the most established and widely recognized names in the industry, offering secure money transfer services to more than 200 countries. 

Transfers can be sent for cash pickup, direct deposit to a bank account, or even to a mobile wallet, depending on the destination. With options to pay online, in-store, or by phone, Western Union gives you flexibility. It’s a go-to solution for millions of people who need to send money quickly and reliably. 

1. Pay online 💻 

One of the easiest ways to send a Western Union money transfer is through their website. This method is convenient, secure, and available 24/7. 

How it works: 

1. Visit westernunion.com.
2. Log in or create a free account.
3. Select “Send Online,” enter your receiver’s information, and choose how they’ll receive the funds.
4. Choose how you’ll pay: bank account, debit card, or credit card.
5. Review the transfer details, including fees and exchange rates, and confirm the transaction. 

Best for: 

• ✅ People who prefer doing things digitally
• ✅ Fast, around-the-clock transfers
• ✅ Sending money internationally or domestically without leaving home 

💡 Keep in mind: Some payment methods (like credit cards) may involve higher fees or cash advance charges. 

➢RELATED: How to Send Money Internationally

2. Use the Western Union app 📱 

Using the mobile app for Western Union money transfers is a fast, flexible way to send money anytime, anywhere. It’s ideal if you prefer handling transactions from your smartphone without visiting a store or using a desktop. 

All you need to do is download the Western Union app from the App Store or Google Play. Then follow the same steps as you would for paying online. 

Best for: 

• ✅ People who prefer mobile banking
• ✅ Frequent senders who want to track transfers easily
• ✅ Those who need a quick, secure way to send money on the move 

💡 Keep in mind: The app also allows you to scan your payment cards, save favorite recipients, track transfer statuses, and access customer support. 

3. Pay cash in-store 🏦 

Prefer handling transactions face-to-face? Western Union has thousands of agent locations across the U.S., making it easy to pay with cash. Advance America locations are proud to offer Western Union services — including bill pay for participating utilities. 

You don’t have to start your transfer online to send money in-store — you can simply walk into a Western Union location and complete the transaction. However, starting the transfer online first allows you to lock in the exchange rate and fees ahead of time, which can help you avoid unexpected costs. 

How it works: 

1. Find and visit a Western Union agent location or Advance America store location near you.
2. Bring your government-issued ID and the cash you want to send (including the transfer fee).
3. Provide the agent with the recipient’s information and the destination country.
4. Pay the amount in person and get a receipt with a tracking number (MTCN).
5. Share the MTCN with your recipient so they can pick up the funds. 

Best for: 

• ✅ People who prefer cash transactions
• ✅ Those without a bank account or access to digital payments
• ✅ Urgent transfers when you’re near a Western Union or Advance America location 

💡 Keep in mind: You may need to verify your identity for larger amounts. Fees and limits can vary depending on destination and payment method. 

Send and receive money online

How to determine the best money transfer option 

Choosing the best method for a Western Union money transfer depends on your needs, budget, and how your recipient will receive the funds. Ask yourself: 

💸 Do I need to send money quickly? Online or app transfers are usually faster than in-store cash payments. 

📱Am I comfortable using digital tools? If so, the online or app options may be the most convenient. 

💳 Do I have access to a debit or credit card? If not, in-store cash payments may be your best option. 

🧾 Does my recipient want cash or a bank deposit? You can send money for cash pickup, direct deposit, or to a mobile wallet — match the method to their needs. 

You should also consider the total cost. This includes: 

• Transfer fees
• Exchange rates
• Possible charges from your payment provider 

❗Note: If you’re using a credit card to fund your transfer, your card issuer may charge a cash advance fee and associated interest. To avoid or reduce fees, consider using a debit card or other payment methods. 

Send a money transfer with Western Union 

No matter how or where you need to send funds, Western Union gives you flexible options to support your financial goals. Whether you choose to transfer money online, through the app, or in person, you can do it on your schedule and with peace of mind. 

Explore the option that works best for you, and send with confidence to support loved ones, pay bills, or cover last-minute expenses.