Select Send Online. Fill out the form, and choose how you want to pay. You can either send the money with a credit or debit card, or with your bank account. The recipient can either pick up cash at a Western Union branch, or have the money deposited into a bank account.

You’ll need to complete a “To Send Money” form and pay the agent the amount youwant to send, plus fees, in cash. To pick up the money, the receiver will complete a “To Receive Money” form at any Western Union agent location and provide proper identification. The agent then pays the transfer amount to the receiver.

The transfer takes less than 10 minutes. The fee is $4.50 to transfer up to $50 and$9.50 to send up to $900. Western Union, in comparison, charges $5 for a money transfer of up to $50, but a transfer of $900 could cost $76. There are a number of price points in between, dependent on the amount of money to transfer.