Western Union money transfer

[LuckyLuke]

I did a WU transfer on April 20. I loaded the www.capitalone.com chrome extension and have received a good discount on my last several transfers. The app is a little annoying because it pops up when you visit commercial sites that sell things, but it's worth it to get the consistently good discount rate on WU transfers. The transfer happened the next day, where usually it takes 8 days, so I don't why this one was so quick.

My last transfer also came the next day, which was very unusual. It usually takes 48 hours for mine.

 

[Ries]

western unions discounts are all algorithim driven. which means if my wife and I each separately price a transfer at the exact same time, all other details the same, they can easily be two different numbers. You get a fee based on mysterious things that change sometimes in five minutes. Sometimes the discount will appear, or disappear, within an hour, if I make two different logins to check pricing.
In other words, its somewhat random what the fees will be.

 

[carride]

In the bond market the costs to bring in USD has been negative for some time now. If WU is using that CCL market instead of XE, they make 2-3% before any fee they charge you. Not to mention the poor conversion rate.

And as of the end of last week there is a shift occuring that will show higher volumes

Bonos en dólares: ante la caída de los spreads, recomiendan rotación hacia los soberanos con ley extranjera

El spread por legislación en los bonos se ubica en torno a 1,3%, un mínimo desde abril de 2025, a pesar de que el nivel de canje se mantiene en torno al 3,7%.

www-ambito-com.translate.goog

 

[Rich One]

I haven't used them in a year or more because they were charging me so many fees, maybe they want me back

Occasionally a user of WU reports not being charged fees, no one has yet found out why?

 

[carride]

Occasionally a user of WU reports not being charged fees, no one has yet found out why?

WU gives more the discounts and zero fee at times when there is less demand for their service in Argentina. Like when we all had 100% off coupons for most of the 2020-2021 years. Also when there is better opportunities for a better rate using other means. Like now they are showing me this zero fee.

 

[Lavish Otter]

Occasionally a user of WU reports not being charged fees, no one has yet found out why?

Someone on this thread has mentioned in the past that Western Union seems to treat all of its customers differently. That appears to be the case.

 

[Lavish Otter]

Thanks for all the replies. I just made a transfer at 1:1474 with no fee. I thought that was a pretty good rate.

Like everyone I was getting no transfer fee fees through 2021. I stopped using Western Union in 2022 because the fees were getting high and credit cards were accepted more and more. I guess they want me back.

In Argentina you still need to have about five different ways to get money if you want to get the best rates.

 

[Caribbean Cool]

I haven't used them in a year or more because they were charging me so many fees, maybe they want me back

I think that this the situation. If you are a new customer using the cell app then no fee. But as a regular customer you pay the fee.

 

[Filipo]

Taptap Send review: Better rates than Western Union for Argentina (+ Bonus Code)

Hey everyone,

I wanted to share a quick review of a money transfer service I tried today called Taptap Send (https://www.taptapsend.com/). I usually look for the best exchange rates, and this time it actually beat Western Union after calculating the final fees.

Here is how my experience went today:

• The Transfer: I sent 999 USD, which is pretty close to their maximum limit for a first-time transfer.
• Today's rate: 1 USD = 1500 ARS + Fee: $1.99 => Effective rate: ~1:1497; (Western Union: 1 USD = 1506 ARS + Fee: $48.99 => Effective rate: ~1:1436)
• Identity Verification (KYC) & Payment: Because of the amount, I had to do a standard identity check by taking a photo of my passport and a quick selfie in the app. A big plus: The debit via Google Pay was only processed after the verification was fully approved.
• Speed: The verification was surprisingly fast—my documents were approved within an hour, and the money arrived directly into my Argentine bank account right after.

If anyone else has used it, feel free to drop your experiences in this thread!

 

[Goata]

Thanks for all the replies. I just made a transfer at 1:1474 with no fee. I thought that was a pretty good rate.

Like everyone I was getting no transfer fee fees through 2021. I stopped using Western Union in 2022 because the fees were getting high and credit cards were accepted more and more. I guess they want me back.

In Argentina you still need to have about five different ways to get money if you want to get the best rates.

Can you please list the ways to get transfer dollars without a bank account?