They offer transfers for both personal and business users.They’re available almost everywhere and support most currencies (130 currencies).With 2 wins for WesternUnion and 3 ties, they’re the clear winner for the following reasons: ![]() However, if you have the choice of one of one of the other two, based on 3rd party reviews Ria looks like it should be avoided. Overall, MoneyGram and WesternUnion are evolving and course correcting – even though there are some negative experiences, the positives outweigh them. It’s difficult to determine a winner in this category based on the Trustpilot scores alone because there are so many factors involved. Ria, MoneyGram, and WesternUnion charge higher fees for higher amounts.This is because of market movements and potential hidden fees (like a cash advance fee if you’re funding with your credit card, sending and receiving bank fees, agent fees, etc.). The fees you will pay when actually set up your transfer vs the fees shown on their calculator may be different.You can estimate how much you’ll pay in fees on their price estimator. Western Union also charges a margin on the exchange rate ( up to 6% of the transfer amount) as well as fees based on other variables mentioned above. ![]() Western Union will calculate its exchange rates on the basis of the interbank rates available in the market, plus a margin.” “…the exchange rates shown on the website are estimates” and the actual exchange rate will be pulled during the time of the transfer. It’s difficult to estimate the exchange rate offered by Western Union, and here’s what they mention on the website:
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