Western Union

Web · Android · iPhone

Freedom report

Two barsScore 5.9

Runs widely3 of 6 device platforms
DocumentedPlans, terms and facts published

Western Union is ranked #71 of 82 in money transfer apps on Freedom251, made by Western Union (Denver, Colorado, USA). It runs on Android, iOS, Web.

Western Union plans and pricing

All plans

Western Union app money transfers Transfer fees vary by destination, payment method, payout method, and amount; review the cost before sending. Limits may depend on account status, destination country, currency, and payment method; typically up to approximately $3,000 USD for unverified accounts and $50,000 USD for verified accounts westernunion.com · 7 Oct 2026

Compared on money transfer apps

Free plan: No
Recipient methods: bank
Transfer speed: instant
Exchange-rate model: markup
Mobile platforms: both
Upfront fee display: Yes
Transfer tracking: Yes
Scheduled transfers: Yes

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The record

Purpose: The app lets users send money, track transfers, pay bills, review exchange rates, and find agent locations.
Payout options: Depending on the receiver’s country, users can send funds to a bank account, for cash pickup, or to a mobile wallet.
Payment methods: The app lists bank account, Apple Pay, cash at an agent location, and credit or debit card as payment options.
Repeat transfers: Users can save receiver details to make repeat transfers easier.
Availability: Western Union says the app supports transfers to more than 200 countries and territories.
Security: Western Union says the app uses encryption, identity verification, biometric ID, and other security protocols to protect personal and financial information.
Payment compliance: Western Union states that it is PCI DSS compliant.
Identity checks: New US app customers must verify their email and provide a government-issued ID such as a driver’s license, passport, or photo ID.
Cash payment: Users can start a transfer in the app and pay in cash at a participating agent location.
Customer support: US customers can contact Customer Care by chat or phone, or find a Western Union agent location for retail enquiries.
Company history: Western Union says it was founded in 1851 as a telegraph business in Rochester, New York, and added money transfers in 1871.
Founded: 1851
Headquarters: Denver, Colorado, USA

Where it ranks on Freedom251

Best Money Transfer Apps in 2026#71 of 82

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Sources

westernunion.com/us/en/mobile-app.html· checked 7 Oct 2026
westernunion.com/us/en/is-western-union-safe.html· checked 7 Oct 2026
westernunion.com/us/en/contact-us.html· checked 7 Oct 2026
ir.westernunion.com/news/archived-press-releases/press-rele· checked 7 Oct 2026
westernunion.com/us/en/transfer-fees.html· checked 7 Oct 2026