nope, it isn't. have been doing it for years and never ever once i got the same rate. i explicitly asked every single time why there is a discrepancy and was explicitly told that the rate appears on their screen the moment they enter your info. sometimes it was less than the amount on the original receipt and sometimes it was more. but it always corresponded to the rate WU site showed at the moment of collection. I can only vouch for cash to cash transfers, never made any other type.