Money transfer can be made within a couple of minutes in the official service points worldwide, although the transfer of cash from some places may take up to 48 hours. Essentially, a Western Union scam is any scam that takes place using the Western Union method of payment. The Western Union Company is a financial services and communications company based in the United States. Outside of digital currencies specifically, the latest earnings announcement from Western Union highlighted the regulatory difficulties that all US companies tied to money transmission are encountering. At Western Union, we understand you are sending more than just money. Today with just over 437,000 Agent locations worldwide in over 200 countries and territories*, millions of people trust Western Union to send and receive money worldwide.