¹ Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice. Subject to applicable taxes (if any).

² Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, required receiver action(s), agent location hours, differences in time zones, or selection of delayed options. Additional Restrictions may apply. See terms for details.

³ If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply. You can avoid these fees by using a debit card.

⁴ Network data as of 30 June 2019.

⁵ Additional receiver charges, including SMS and account cash-out fees, may be applied to the receiver’s mobile wallet account by the mobile network operator.