Is OFX or Western Union cheaper?

Cost varies by corridor and amount. Compare both on the corridor page above for live rates, fees, and recipient amounts.

What's the main difference between OFX and Western Union?

OFX (Zero fee above $1k, rate margin): Australian FX specialist focused on larger transfers — no fees above $1,000. Western Union (Flat fee + rate markup): The largest cash pickup network in the world — 500,000+ agent locations.

Which is faster, OFX or Western Union?

Both providers offer same-day or faster options for popular corridors. Cash-pickup networks (MoneyGram, Western Union, Xoom) usually clear in minutes; bank transfers can take 1–3 business days.

Which is safer, OFX or Western Union?

Both are licensed money services businesses. OFX is regulated in Australia, USA, UK. Western Union is regulated in USA, UK, EU. As long as you transfer through their official site or app, both are safe to use.

Does OFX or Western Union offer better exchange rates?

Rate competitiveness varies. OFX markets zero fee above $1k, rate margin, while Western Union uses flat fee + rate markup. The recipient amount is the only fair comparison — see the corridor page for live numbers.

OFX vs Western Union

Live fee, exchange rate and recipient amount comparison for USD → INR. Pros, cons and licensing in one view.

Rates verified 01:41 UTC · refreshed every 5 min

Live data temporarily unavailable for this comparison. See the corridor page for full live numbers.

Zero fee above $1k, rate margin

Australian FX specialist focused on larger transfers — no fees above $1,000.

Fee: USD 5.00
Rate: 91.4769
Speed: 1–2 days
Recipient gets: INR 91,020

Founded 1998

Sydney, Australia

Pros

No fees on transfers above $1,000 (varies by source currency)
Dedicated dealer for transfers above ~$10k
24/7 phone support

Cons

Margin on small transfers makes them uncompetitive
Slower than digital-first MTOs (1–2 business days typical)
Onboarding requires phone verification for new clients

Try OFX

Flat fee + rate markup

The largest cash pickup network in the world — 500,000+ agent locations.

Live data unavailable.

Founded 1851

Denver, CO, USA

Pros

Unmatched cash pickup network — 200+ countries
Send from a physical agent if you don't have a bank account
Strong brand recognition and consumer trust

Cons

Among the wider exchange rate margins
In-person cash transfers carry higher fees
Online experience less polished than digital-first competitors

Try Western Union

Side-by-side comparison

Spec	OFX	Western Union
Fee model	Zero fee above $1k, rate margin	Flat fee + rate markup
Headquarters	Sydney, Australia	Denver, CO, USA
Founded	1998	1851
Status	Public (ASX: OFX)	Public (NYSE: WU)
Live USD→INR fee	USD 5.00	—
Live USD→INR rate	91.4769	—
Recipient gets (USD 1,000)	INR 91,020	—
Typical speed	1–2 days	—
Top corridors	AUD→GBP, GBP→AUD, USD→AUD	USD→MXN, USD→PHP, USD→IND

User reviews

OFX

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Western Union

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Frequently asked questions

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Live quotes from Wise's public comparison API, updated every 5 minutes. Provider profiles are based on public information; for pricing, KYC requirements and current promotions always check the provider's official site. Methodology.