Western Union is a pioneer company that revolutionized the telegraph and communications industry. The company’s history and economic growth is intricately woven with the growth of the US and evolution of technology. It was founded in 1851 under the name New-York and Mississippi Valley Printing Telegraph Company and later changed its name to Western Union in 1856. Starting its journey as a telegram service company, Western Union now has about half a million agent location across the world, and the consumers can send and receive money via more than 110,000 ATM’s.

Western Union introduced money transfer service in 1871 and is now mainly known for its remittance services. It offers various options to send and receive money. Money can be sent online, in person, or by phone. The methods used can be credit card, debit card, and bank account. The available speed of money transfer varies from minutes to days according to the options chosen by the sender. The receiving options are direct pick-up from any of the 50,000 agent locations in India, home delivery, and direct deposit to the bank account if the bank is in the National Electronic Funds Transfer Network (NEFT).

FEATURES (Currently showing rates for USD to INR change )

₹ Amount
$ Exchange Rate
Today's Rate
₹0 - ₹5000
₹5000 - ₹50000
Exchange Rate Type
₹ Amount
₹ Fee
Bank Account
Up to $5,000
$5,000 - $50,000
Transfer Time
Bank Deposit - 5 Days

(Bank Transfer)

Cash Pickup: In Minutes

Credit Card: Next Day
Transfer Type
Credit Card/Debit Card
ACH Transfer
Wire Transfer
Daily Transfer Limit
Online (via bank account, credit/debit card)
Receiving Method
Bank Deposit
Customer Service Info
1 (800) 325-6000
Company Headquarter
Englewood, Colorado
Company Type
Remittance Providers
Mobile App
Company Established
Text Update (SMS)
Email Updates
Referral Program
Document Requirements
No document requirement


Western Union introduced the money transfer business in 1871. It has experience in the field of remittance for more than a century – the longest for a money transfer company. In 2012 it opened 500,000th agent location and it has more than 115,000 ATMs where consumers can send and receive money. Western Union has its presence in about 200 countries in the world. Considering its history and expansion, Western Union definitely belongs to the big league of money transfer companies.

The foreign exchange rate offered by Western Union Money Transfer is indicative exchange rate. There is no dearth of choice as far as speed of transfer and modes of sending and receiving money through Western Union Money Transfer are concerned. Western Union is one of the few companies that allow you to send money not only from your bank account but also via credit or debit cards. The money can be sent online, in person, or via phone. The speed of transfer varies from minutes to days. Unique feature of Western Union Money Transfer is its convenience of delivery of funds. The recipient can receive the money through various modes: directly to the bank account (any bank in NEFT network), cash-pick up from an agent location, or home delivery. There are more than 50,000 agent locations in India where receivers can pick up the money in form of cash.

Comparing the features of money transfer plans side by side, the "money in minutes" plan is the most appealing one. The cash pick-up available in minutes for the receiver is convenient. It may cost more and can amount to around $45 depending on whether the money is transferred online, in person, or by phone, with transfer by phone being the most expensive. This option may prove to be expensive but if there is a real emergency back home this service is a good choice to have.

There are some additional perks like no transfer fee if the money is transferred directly to the recipient’s bank account either from the sender’s bank account or via debit or credit cards. Western Union also offers a unique customer service where the customer service representatives speak different languages like Hindi, Gujarati, Punjabi, Malayalam, Urdu, Marathi, Tamil, Konkani, and English.

Summing it all up Western Union Money Transfer Services stand out among the remittance service providers because of the sheer number of options of sending and receiving money. Its massive network is impressive and its name has been synonymous with money transfer for quite some time in people’s minds. But what takes Western Union one step further is its phenomenal adjustment to the change in trends and accommodation of its services for the sake of convenience of its customers. Admittedly it might get a bit pricey depending on the type of service you choose, but Western Union is accessible, convenient, and dependable.


Posted on October 21, 2016, 09:45 am

Very fast (10min) USD to Inr transfer to bank, I am happy to recommend the service.

Posted on September 01, 2016, 11:34 am

Even last month transfer was slow and took until 5-7 business days. This month, it is very fast and received money within a day. Currently, western union is providing best exchange rates. Compare all the exchange rates before sending money.

Posted on August 21, 2016, 02:18 pm

Have used western union many a times now. The transfer is absolutely free upto $2999 (to bank accounts). Always get my transfers done within 24 hours. Really fast service and you get whatever money they show you during processing. No hidden fees. Really impressed.

Posted on August 08, 2016, 12:28 pm

I have have used WU for at least 4-5 times. Overall the process has not been too painful. Sometimes you may get calls to confirm the transfer. Once that's done, I have seen my money in my ICICI bank within a day. Overall a good rate with a large enough company.

Posted on November 12, 2015, 10:33 am

Best Money Transfer provider.... I have been using Wu for ages and never ever ever had any issues... No hidden charges.. No nonsense... I did try few other Money Transfer Providers, experience was pretty bad - Transactions are kept on hold, additional information is required even if we had provided previously, fee is charged all of a sudden without intimation etc... I have worked in 3 different countries and never ever had any issue with WU... Keep it up WU....

Posted on September 16, 2015, 11:55 pm

Wonderful service, with in seconds the money is there. I always prefer sending money through Western Union, they branches all over in Pakistan, and with in easy reach. I will suggest every one to use Western Union.

Posted on August 20, 2015, 04:31 pm

I have started using WU from last month and I have not seen any issues till now.

Posted on August 20, 2015, 12:43 pm

This is the best service for sending money to India in my opinion. Funds arrive on the same day, if paid using Debit card (which I anyway prefer over ACH as its safer and insured). Rates are very competitive and there is absolutely no fee, even if you send $100. Keep up the good work.

Posted on August 18, 2015, 05:55 am

Send using a debit card... money reaches in a day... never had a problem Except with the first transfer which took 3 days.

Posted on August 14, 2015, 06:24 am

One thing I don't understand about the reviews... If you are genuine enough why post as anonymous? People who gave good rating have their names on and people who want to rate bad have anonymous names... I never had an issue with western union until now...