Western Union is lowering the exchange rates by around 3.5%, then you have the fee for sending money thru them and now they are getting another fee for getting the money.

They are very good for getting money $$$$$$$$$$$$$$$$$$ for them.

The only advantage now is that they are quick, the sending can be done from home thru internet and the money can be collected within the minute. I did it several times, just by texting the code when the person is already in the pawn shop.

But to be used only in case of emergency, it's really too expensive!