Finance Tools
Western Union Charges Calculator
Estimate Western Union charges using fixed and percentage fees, with optional minimum/maximum caps and discounts to match real pricing scenarios.
Estimate Western Union explicit charges (fixed + percentage fees) with optional caps and promo discounts. FX markup (exchange-rate spread) is handled in a separate markup tool.
Base Fee = Fixed Fee + (Amount × % Fee) → Apply Min/Max Caps → Apply Discounts → Add Other Charges
Flat service fee charged by Western Union.
Percent of amount charged as a fee (depends on corridor & method).
If the base fee is below this, the minimum applies.
If the base fee is above this, the maximum applies.
Percent off the capped fee (promo/membership).
Fixed amount off the capped fee.
Payment method surcharge or extra explicit charges.
Western Union Charges: $13.14 (Effective Rate: 1.64%)
No cap applied
| Step | Value |
|---|---|
| Fixed fee | $5.00 |
| % fee cost | $9.60 |
| Base fee | $14.60 |
| Fee after min/max caps | $14.60 |
| Discount (%) value | -$1.46 |
| Discount ($) | -$0.00 |
| Fee after discounts | $13.14 |
| Other charges | $0.00 |
| Final charges | $13.14 |
Note: Exchange-rate markup (spread) is not included here—use the Western Union FX markup calculator for hidden FX costs.
How to use this western union charges calculator
- Enter the amount you want to send.
- Enter Western Union fixed fee and percentage fee (if applicable).
- Optionally add minimum/maximum fee caps (if your quote shows them).
- Optionally add discounts or promo reductions.
- Review final Western Union charges and effective fee rate.
Example
A Western Union transfer with fixed + percent fee, plus a promo discount:
- Amount: $800
- Fixed fee: $5
- Percent fee: 1.2% → $9.60
- Promo discount: 10% off → -$1.46
- Final charges ≈ $13.14 (effective rate ≈ 1.64%)
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