Western Union — routes, payout methods & regulation

Coverage checked 2026-09-23 on Western Union's own website. All providers

Western Union is a money transfer company. Below is what its own website says about the routes fin·calc tracks: where it sends, how recipients can be paid and how you can pay — each row linked to the page we checked. We don't publish its fees or exchange rates, because they change by amount, payment and payout method; get a live quote from www.westernunion.com and paste it into our transfer calculator to see its true cost against the reference rate.

How Western Union says it charges

'Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates.' source

Whatever the headline fee, compare what your recipient actually gets: the exchange rate used can cost more than the fee. Our true cost calculator splits the two.

Regulation (as stated by Western Union)

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985... licensed as Money Transmitters by the New York State Department of Financial Services. source

UK contact page names Western Union Payment Services GB Limited (Manning House, 22 Carlisle Place, London); FCA register number not stated on fetched page. source

Check the regulator's own register before sending large amounts.

Routes we checked

"Could not verify" means the official page was unavailable to us or silent — not that the route doesn't exist. Methods are only those the page states; an empty list means the page didn't say. Delivery times and limits aren't listed because we haven't verified them per route.