Western Union Send Money is a finance app for international money transfers. According to its description, users can send money across borders, send funds to several destinations, and choose from more than one payment method. A transfer can be wired directly to a recipient's bank account and deposited at the recipient's financial institution, or the recipient can collect cash daily at a nearby agent location.

Tracking transfers and getting notified

Each transfer is associated with a tracking number, referred to in the app as an MTCN. Users can check the status of a transfer through the app at any time using this number. The description also says that an email notification is sent when the receiver collects the money, so the sender does not have to check manually to learn that the funds were picked up.

Choosing how to pay

The app lists three ways to pay: directly from a bank account, in cash at an agent location, or with a credit or debit card. For card payments, the description says the device camera can scan a credit or debit card, which is meant to reduce typing errors when entering payment details. A transfer can also be started in the app and then paid in cash at a participating agent location, which the description presents as a way to save time at the counter.

Exchange rates and rate alerts

A widget in the app displays current international exchange rates, and users can compare rates for different currencies before they send money. Users can also choose a preferred exchange rate and receive a notification when that rate becomes available. The description additionally mentions an estimate of fees and exchange rates before a transaction is finalized, which would let users see the expected cost of a transfer in advance.

Saved recipients and repeat transfers

Recipient details can be saved to a resend list, so repeat transfers do not require entering the same information again. The description suggests this is most useful for people who regularly send money to family or friends. Beyond money transfers, the app can also be used to pay bills, and the description gives car payments and mortgages as examples.

Security and login

The description states that encryption technology is used to safeguard domestic and international money transfers. It also describes a fingerprint login option that allows users to sign in and start a transfer with a single touch. These are claims made in the product description and have not been independently verified here.

Limitations noted in the description

The description lists several downsides. Transfers can be delayed by technical issues on the provider's side or by problems at the recipient's bank. It also states that the app can block users without giving a reason. Anyone considering the app should weigh these points alongside the features described above.