USA 
IND 
HIGHLIGHTS
Western Union is a global leader in cross-border, cross-currency money movement. From small businesses and global corporations, to families near and far away, to NGOs in the most remote communities on Earth, Western Union helps people and businesses move money - to help grow economies and realize a better world. In 2017, we completed more than 800 million transactions for our consumer and business clients. We continue to innovate, developing new ways to send money through digital, mobile, and retail channels, with an array of convenient pay-out options to meet business and consumer needs. We are a business centered on the needs of our customers, and over the years, we’ve invested and innovated to provide consumers and businesses with even more choices – in products, in services, and in how and where they can access Western Union when moving money across borders. We move money for better, enabling individuals, families and friends to securely and seamlessly transfer money in the ways that are most convenient for them, whether that is walking into a retail location or using our Western Union website or app to move money in minutes.
Western Union, moving money for better.
FEATURES (Currently showing rates for USA to IND change )
- Online Transfer
- Credit Card/Debit Card
- Cash
- ACH Transfer
- Wire Transfer
*some restrictions apply
- Exact name as it appears on their government-issued ID
- Receiver’s street address, city/province/state and country
Sending money directly to a bank account:
- Within the US: Bank name, account name, account number and routing number
- Outside the US: International bank account number (IBAN) and international bank identifier code (BIC), or the receiving country equivalent
EDITORIAL REVIEW
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 $45 depending on whether the money is transferred online, in person, or by phone, with transfer by phone being the most expensive. This option may prove to be expensive but if there is a real emergency back home this service is a good choice to have.
There are some additional perks like no transfer fee if the money is transferred directly to the recipient’s bank account either from the sender’s bank account or via debit or credit cards. Western Union also offers a unique customer service where the customer service representatives speak different languages like Hindi, Gujarati, Punjabi, Malayalam, Urdu, Marathi, Tamil, Konkani, and English.
Summing it all up Western Union Money Transfer Services stand out among the remittance service providers because of the sheer number of options of sending and receiving money. Its massive network is impressive and its name has been synonymous with money transfer for quite some time in people’s minds. But what takes Western Union one step further is its phenomenal adjustment to the change in trends and accommodation of its services for the sake of convenience of its customers. Admittedly it might get a bit pricey depending on the type of service you choose, but Western Union is accessible, convenient, and dependable.
USER REVIEWS
Surprisingly am seeing very bad reviews. I did a transaction of 2500$ and it went smoothly to destination account. I didn't have any issue with this.
5 Surprisingly am seeing very bad reviews. I did a transaction of 2500$ and it went smoothly to destination account. I didn't have any issue with this.
5 western union complaints +1(8OO)-648-162O,incorrect bank code displayed in the transfer receipt within 15 mins of submitting the transaction. But, to my surprise and utter disappointment, it took western union organization 21 days to refund my amount back to my account after following up every alternate day and raising multiple escalation requests. Every time, i keep hearing the response our escalation team will respond to you within 24 to 48 hrs which was totally untrue. They dont even have courtesy to send an email stating the reasons for delay. As per the initial email, refund should get completed with 5 to 7 business days but only god knows why the technical issues as mentioned by their Accounts team and Supervisors took close to 20 days in sharing my refund. I have to work around for alternate options in doing the money transfer. Most importantly, if we miss to pay the credit card payment within the due date, we have to pay the fine. But, i wonder why the western union doesnt do the same when they fail to refund the customer on time due to their internal technical issues which took them 20 long days in fixing it. Please think twice before you initiate any transactions and be ready to bear such long delays before you do the transaction. It was a bitter experience to me as i got my reply only at the end despite of me reaching them multiple times.
3 western union complaints +1(8OO)-648-162O,incorrect bank code displayed in the transfer receipt within 15 mins of submitting the transaction. But, to my surprise and utter disappointment, it took western union organization 21 days to refund my amount back to my account after following up every alternate day and raising multiple escalation requests. Every time, i keep hearing the response our escalation team will respond to you within 24 to 48 hrs which was totally untrue. They dont even have courtesy to send an email stating the reasons for delay. As per the initial email, refund should get completed with 5 to 7 business days but only god knows why the technical issues as mentioned by their Accounts team and Supervisors took close to 20 days in sharing my refund. I have to work around for alternate options in doing the money transfer. Most importantly, if we miss to pay the credit card payment within the due date, we have to pay the fine. But, i wonder why the western union doesnt do the same when they fail to refund the customer on time due to their internal technical issues which took them 20 long days in fixing it. Please think twice before you initiate any transactions and be ready to bear such long delays before you do the transaction. It was a bitter experience to me as i got my reply only at the end despite of me reaching them multiple times.
3 I am not sure why there are so many bad reviews. But I used this service first time on Sunday (Nov.5th, 2018) evening, and within 2 hours, I received my father in law's text that he received a text from his Canara Bank in India that his account has been credited. I sent $1000 using Credit Card, so that could be the reason of expedited service...and their fee is only $2.99 to use CC while you earn more in points. Their rates are also very competitive. Thank you WU. Hope I receive the same service in future as I will be transferring more before our December '18 trip.
4 I am not sure why there are so many bad reviews. But I used this service first time on Sunday (Nov.5th, 2018) evening, and within 2 hours, I received my father in law's text that he received a text from his Canara Bank in India that his account has been credited. I sent $1000 using Credit Card, so that could be the reason of expedited service...and their fee is only $2.99 to use CC while you earn more in points. Their rates are also very competitive. Thank you WU. Hope I receive the same service in future as I will be transferring more before our December '18 trip.
4 Western Union is one of the finest money transfer services so far. I used it many times and have not faced any issues so far. They transfer the money at the time they promise. My rating is 5 for their service, commitment and delivery in time.
1 Western Union is one of the finest money transfer services so far. I used it many times and have not faced any issues so far. They transfer the money at the time they promise. My rating is 5 for their service, commitment and delivery in time.
1 I agree with many of the negative reviews. I put my request through first time and was told on chat it was wrong number that was in account holders information. No problem fixed and remitted. Got a call almost 1 hour later asking me the questions on the form I filled out, my email, my reason for sending, names and city... no problem. He Than asked me my date of birth which many of us are told not to give out on phone due to identity theft ( this was no where on form) so told him no. He said they were a financial institute and they had right to ask this... come on dude... where do you live??? So will not be using Western Union and make sure friends and family know of the rudeness and unawareness of employees to ask this information... as date of birth is asked for not on the site.
0 I agree with many of the negative reviews. I put my request through first time and was told on chat it was wrong number that was in account holders information. No problem fixed and remitted. Got a call almost 1 hour later asking me the questions on the form I filled out, my email, my reason for sending, names and city... no problem. He Than asked me my date of birth which many of us are told not to give out on phone due to identity theft ( this was no where on form) so told him no. He said they were a financial institute and they had right to ask this... come on dude... where do you live??? So will not be using Western Union and make sure friends and family know of the rudeness and unawareness of employees to ask this information... as date of birth is asked for not on the site.
0 they will post a hold on your bank account but not complete the transaction. Tey tell you they are sorry but just cant solve the problem. They will ruining your day screw up your finances and they just dont care. The lies and misleading information is amazing. try money gram it seems to work better
5 they will post a hold on your bank account but not complete the transaction. Tey tell you they are sorry but just cant solve the problem. They will ruining your day screw up your finances and they just dont care. The lies and misleading information is amazing. try money gram it seems to work better
5 
