Yes, WU charges progressively more for cash pickup if the funds are sent directly from a US bank account and a debit card can also be used (usually speeding up the transfer) at no extra charge .rgebtibe bank account
My understanding was that Xoom charges a fixed fee ($5 for every transaction) wheras WU takes a percentage so when sending larger amounts of money it ends up costing you more? But if I'm wrong about that then that's very good to know!
For example, the charge is 25 dollars for a transfer of 500 USD and 50 dollars for a transfer of 1000 USD.
The fees are $39.50 and $77 USD if the transfer is paid with a credit card
However, if the sender pays in cash at a Western Union agency, the transfer fee is only $8 USD for either amount.
(I just logged on to the website and plugged in the numbers to get the figures.)