Regardless of the destination country, Western Union does not charge transfer fees for the first online transfer to a bank account. For all other transactions, we provide a transparent summary instead of hidden costs: If you want to transfer money to the USA, simply enter the amount and choose the method you want for payment and receipt of the money. Our systems automatically calculate the costs including fees and exchange rate and display them immediately.

The United States does not use the IBAN system for account numbers. It identifies its banks using the Swift code, and is not part of the SEPA payment area. Accordingly, recipients in America do not have an IBAN. This is why Western Union is such a good choice if you want to transfer money to the USA quickly and easily: If you pay in cash with cash collection, you do not need any bank details. If you make the transfer online and via online banking, bank transfer or instant transfer, you may need your own IBAN to provide your payment information.

How quickly the money arrives when transferring money to America depends on the payment and receipt method you choose.

• Cash collection at a location: When paying with cash, card, SOFORT-Überweisung (instant transfer) or Google Pay it is within minutes, with a bank transfer within 1 to 2 business days.
• To a bank account: By card, SOFORT-Überweisung (instant transfer) and Google Pay it is from 1 business day, with a bank transfer within 1 to 2 business days

With Western Union you can transfer money to the USA using various payment and receipt methods. Cash payment at a Western Union location with collection in cash in the destination country also works without a bank account or cash card. The following payment methods are also available to you online:

• Credit¹ or debit card
• Online banking
• Instant transfer
• Google Pay
• Bank transfer

Besides a cash transfer, you can also choose a transfer to a bank account in America.