The presence of Western Union Gold Card at the client greatly simplifies the process of further processing of money transfers of and reduces the operation time for the sending of money, as the "Gold Card" is a carrier of the personal information about the client. You do not need to open a bank account, so you can send or receive money in any of the 170 000 service points of Western Union around the world. In 2000 was launched the Web site westernunion.com, with which users from certain countries can independently transfer funds online. Western Union made so that the time in all of American civil services was the same.