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Western Union - $0 Transfer Fees When You Send Money to a Bank Account

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Western Union - $0 Transfer Fees When You Send Money to a Bank Account
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skayper on 19/07/2012 - 19:02 westernunion.com.au (364 clicks)
copied from the website:

This winter, Western Union wants to make it easy for you to connect with your friends and loved ones. That’s why we’re offering fee free* transactions when sending a qualifying transfer from Australia directly to a bank account for a limited time. That’s right, NO transfer fees*.
Here's how it works:

Check Direct to Bank Account service availability by destination country.
Log in to your profile. If you don’t have a profile, please register.
Select our Direct to Bank Account service.
Enter your Receiver’s bank account information.
Pay with your with your Visa® or MasterCard® (Australia bank-issued cards only) and the money can be deposited into your receiver’s bank account in maximum 3 bank business days.
You will receive a confirmation by email with the tracking number (MTCN).

Financial Money Transfer

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closed Comments

  • altomic on 19/07/2012 - 19:05
    +8

    phew, now I can refund that oceanic engineer from the oil rig who paid $1000 too much for the computer I sold through ebay without paying those WU fees.

    • PlagueistheCheap on 19/07/2012 - 19:11
      +3

      cheers! I don't know what I was thinking sending you so much

    • skayper on 19/07/2012 - 19:14
      +1

      hmm, you know this is for international transaction, right?

  • gomertose on 19/07/2012 - 19:12
    +6

    Awesome! Now I can maximise my inheritance from my Nigerian Prince charming, without paying those pesky WU fees.

    • ibfragalot on 19/07/2012 - 19:16
      +4

      You'd be surprised. Generally the people who use these services in Australia are South-East Asian (Indian, Chinese, Vietnamese, etc) then some African and Europeans if I recall correctly. Sending money back home to families of course. I'm sure there are probably better ways to do it, but yeah, a lot of people do use these products.

      • jetair on 19/07/2012 - 21:23

        and a ton of arab countries as well… lol
        "UAE exchange" does a better job IMHO…. I don't like WU !

      • andyken on 19/07/2012 - 21:48
        +1

        to correct you South East Asian is not Indian and Chinese. South East Asian is country consists of ASEAN country such as Indonesia, Malaysia, SIngapore, Thailand, Cambodia, Vietnam, Laos, Philiphines and East Timor.

        • ibfragalot on 20/07/2012 - 07:46

          Thanks, I thought I might of got that wrong.

    • jm48 on 19/07/2012 - 20:18
      +2

      Do you know of a cheaper fee than $9.95 to send funds to China by W.U., because I don't.
      And I would really like to hear from anyone who does.
      Some have a better exchange rate, but a much higher fee - typically $25.

    • skayper on 19/07/2012 - 20:29

      From your previous question I believe you are asking who in Australia uses WU to transfer money domestically… Hmmm let me think…

    • Aussie89 on 20/07/2012 - 00:52
      +2

      I use Western Union.
      Although people associate western union with nigerian scams, it is actually a legitimate and cost effective way of transferring funds overseas.
      I transfer money with Western Union to my supplier in China many times. The usual fee is $18 which is cheaper compared to ANZ bank TT transfer which is $32.

  • aussman on 19/07/2012 - 19:13
    +1

    Yes now I can pay the FBI to have those papers signed by my Nigerian lawyer

  • easternculture on 19/07/2012 - 19:18
    +12

    THE DESK OF THE VICE PRESIDENT
    INTERNATIONAL PROMOTIONS/PRIZE
    AWARD NOTIFICATION.
    Dear Ozbargainer
    This is to inform you on the release of the CONTINENTAL E-MAIL LOTTERY held on the 19th of July 2012.
    The results was released on the 19th of July 2012. Your email address was attached to ticket number 76678877888 with serial number 447882766738 that drew the lucky numbers of 777865666, which consequently won the lottery in the 1st category.
    You have therefore been awarded a lump of 550,000.00(FIVE HUNDRED AND FIFTY THOUSAND EURO ONLY) cash credited to file with REF: N000899766231 This is from 5,500,000 (FIVE MILLION FIVE HUNDRED THOUSAND EURO) in cash among the 100 participants finalist playing 100 full tickets in which 10 winners was selected.
    CONGRATULATIONS!!!
    In order to process your payment, we require you to wire us the government fee's of $1000 via western union. And since western union does not charge you any transfer fees, you will score a bargain.

    • ibfragalot on 19/07/2012 - 20:22

      And since western union does not charge you any transfer fees, you will score a bargain.

      hahah…I like.

    • gomertose on 19/07/2012 - 20:22

      How did your get that email??? You must have hacked my account! The money is miiiine!!!

    • Geewhizz on 20/07/2012 - 05:56

      In order to process your payment, we require you to wire us the government fee's of $1000 via western union.

      Damn! You know, if it wasn't for your poor grammar, you nearly had me sucked in. ;)

  • m0nkeycheese on 19/07/2012 - 19:19
    +1

    Now I can get scammed with out the fees… Now thats a bargain!

  • Lenneth on 19/07/2012 - 19:27
    +1

    If the Doc came to Ozbargain he would be rejoicing at today being the day to get off his bum and contact Marty McFly.

  • hashtagbargain on 19/07/2012 - 19:35
    +4

    Cmon guys this actually might be useful to someone, stop negging this.

  • FromAtoZ on 19/07/2012 - 19:38
    +4

    Still dont know why ppl negged this deal?
    Some dont even know what WU is for .. And just voted! Is the neg button that irresistible?

  • killergreely on 19/07/2012 - 19:45

    There will be a catch, Western Union don't give you anything for nothing.

    • jm48 on 19/07/2012 - 20:20

      They still do very well, with their exchange rate.

  • sharinganuser on 19/07/2012 - 19:51
    -1

    im just read

  • manobik on 19/07/2012 - 20:03
    +2

    Only 37 countries have this option.

    https://www.westernunion.com.au/WUCOMWEB/staticMid.do?method…

  • jm48 on 19/07/2012 - 20:03

    Too bad this doesn't work for transfers to Chinese bank accounts.
    edit: manobik was posting when I was writing

  • sol3x on 19/07/2012 - 21:01
    +6

    seriously guys. DO NOT use western union. I had my $137 stolen by WU two years ago.
    I transferred the money to a friend overseas, two days later WU told me the money didn't get through and promised to refund to the bank account I used for the transaction. Two weeks on, i had not received the money, so i phoned WU, one of the rep picked up crossed check my bank details and told the money had been refunded already. I asked them to prove it but they said due to privacy protection they could not provide any paper/letter. I waited another week, the money still wasn't in. So I went to see my bank (westpac), westpac said they were unable to track the money, if the money had been refunded, it'd show up in my statement.

    Just one story i'd like to share with you guys.

    • camelgrass on 20/07/2012 - 03:58

      I've sent dozens of WU transfers to some of the doggiest(spell?) places on Earth for a charity and have never had an issue (eg. Guinea (West Africa), Liberia (West Africa), Cambodia, Philippines, Laos, Vietnam, etc).

      They are completely reliable and dependable and in fact I've had less trouble with them compared with my banks over the years. For smaller amounts they are also often cheaper than the banks depending on the destination and also less hassle and quicker than TT's.

  • ezarc on 19/07/2012 - 22:41
    -4

    I have used NAB and ANZ to transfer money and they have no fees.

    This isn't a bargain, its normal for banks not to charge fees for transfers.

    • jetair on 19/07/2012 - 22:54

      this is not a bank, its a money exchange agency, HUGE difference…LOL

    • Aussie89 on 20/07/2012 - 00:55

      It is actually NORMAL for banks to charge fees for international mponey transfer which is what Western Union is designed for.
      Can you please tell me how I can use my ANZ bank account to do an internation TT transfer for free? because every time I've done it it costs $32.

    • David Hasslehoff on 20/07/2012 - 06:25

      Anz charge about $25 per transfer and the currency exchange rate also fills their pocket with a lot more of your money

  • zeroxp on 19/07/2012 - 22:45
    +4

    I just come in to read some Nigeria news.

  • machej on 19/07/2012 - 23:12

    Isn't the Nigerian price wealthy enough already?

  • T-man on 19/07/2012 - 23:14

    I prefer to use MoneyGram, transfer fee is cheaper and it is available everywhere

  • Aussie89 on 20/07/2012 - 00:57
    +2

    People who are negging and posting irrelevant posts about Nigerian scams are missing the point.

    Western Union is a legitimate service used by many people to transfer money overseas and it more convenient than most other money transfer alternatives.

  • coolsteps on 20/07/2012 - 01:05

    You have got to luv those Nigerian scam jokes but you'd be surprised how many people still fall for them. anyway ref "Pay with your with your Visa® or MasterCard® (Australia bank-issued cards only) and the money can be deposited into your receiver’s bank account in maximum 3 bank business days." Has anyone tried this and has it been treated as a cash advance from their credit card issuer or as a purchase? if they offer a good exchange rate it might be a good way to earn reward points on the cc if you send the money to your own bank account overseas. Its not very clear i was under the impression that this fee free offer was for domestic transfers but that wouldn't make much sense right? anyway you would be surprised by how many non tech savvy people use Western union. just go to any Aust post office on a payday i.e late Friday arvo and see. id personally shop around for the best rate taking into account transfer fees. note amex only charge $10 i think or its free if you have a platinum charge card and you earn MR points too. Also Citibank send to about 25 countries free online but thier xrate is on the lower end. Or get yourself and or a relative overseas either a citibank visa debit card or a 28 degrees card and avoid the fees for life. Top up the account here and they or you withdraw funds overseas. Just open a joint account and get two cards to withdraw from any ATM then post one but only activate it once they receive it in the mail.

    • camelgrass on 20/07/2012 - 03:53

      Has anyone tried this and has it been treated as a cash advance from their credit card issuer or as a purchase?

      WU transfers are classed as cash advances (not purchases) so make sure you use your Debit Card or have credit balance on your credit card.

      anyway you would be surprised by how many non tech savvy people use Western union

      Nothing to do with being tech savvy or not. Many people find WU cheaper, quicker and less hassle, and it's VERY RELIABLE for sending cash to many destinations worldwide and has far more cash pick up points than any other service out there.

  • ketanchoksi on 20/07/2012 - 10:46

    Good Question Camelgrass "Has anyone tried this and has it been treated as a cash advance from their credit card issuer or as a purchase"
    I send last month $350 + $15 as service charge from my master card and bank only charged my $365 in my statement ..no any cash advance ..usually i go to post and send by cash or debit card but first time i send online with mastercard..i was also worried about cash advance charged.

    edit** may be i got no charged bcz i have mastercard platinum but not sure how they charge for western union tranjection via normal credit card.

    • coolsteps on 20/07/2012 - 19:53

      Thanks ketanchoksi for answering my question about the cash advance fee. Do you mind telling me who is the mastercard platinum issuer?

    • camelgrass on 20/07/2012 - 22:20

      no any cash advance.

      Maybe no cash advance fee because of platinum card but what about the interest that may be charged as occurs on normal cash advance transactions?

      When you say "statement" is that your usual monthly statement issued by your card issuer or just a transaction record? If it's only a transaction record then the interest normally charged for cash advances on credit cards (in this case WU) may not have appeared on your records yet.

      I have used 28 Degrees Card for a WU transaction and was charged interest from day one like what happens with normal cash advances. I even called them and they confirmed a WU transaction is treated the same as a cash advance.

      I find it odd that different card issuers would class WU transactions in different ways. Maybe the difference here is whether your WU transaction is meant for cash pickup at the other end or sent to a bank account.

    • camelgrass on 21/07/2012 - 15:54

      $15 as service charge

      I believe that is your banks'/credit card issuer's name for cash advance fee. Otherwise, why would they charge it? Do you get charged $15 everytime you use your credit card?

  • aoiro on 20/07/2012 - 20:41
    +1

    Interesting insight into "Nigerian scams":
    http://www.computerworld.com.au/article/428151/why_nigerian_…

  • ketanchoksi on 23/07/2012 - 14:16

    Hi,
    I have Commanwealth platinum master card and $15 was money transfer fees from Westernunion always when you send money online or from post via cash/debit card . No extra charge from bank.

    Ketan
    edit…i checked monthly statement again and there is no intrest as cash advance ….there is no any cash advance entry or interest. statement looks like this..

    trajection ——-Jul Westernunion Sydney NSW 365.00

    End of statement
    Interest charged on purchases Purchase Rate 20.490% Daily Rate 0.05614% 0.00
    Interest charged on cash advances Cash Advance Rate 21.490% Daily Rate 0.05888% 0.00

    So charge is 0.0. from comm bank.

    It was cash pickup at other end and got money in local currency in about 10 mins.

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