Western Union uses the special line of Western Union. The main purpose of using Western Union is fast, but there is a limit on the amount, and both the remitter and the payee must go to Western Union to handle the collection and payment business.

SWIFT is a telecommunication tool, which is widely used by banks and other financial institutions. You can use SWIFT to remit money, and you can also send and receive inquiries, notifications and other information. SWIFT is also very fast, and information can be received between the two banks in a few minutes. However, due to the efficiency of banks and other reasons, not all banks are willing to inform customers of their accounts at any time (this will be more troublesome, and banks generally do not take receiving and sending money as their main business).

As for the charges, each institution sets them, and each bank is different ~

As for the submission of certificates, because the foreign exchange policy requires certificates above a certain amount, neither banks nor Western Union need to provide certificates within the specified amount, but Western Union cannot do it above a certain amount. The bank can do it, but it must provide supporting documents. This is a policy issue and has nothing to do with the SWIFT system.