My input... i have been sending WesternUnion regularly (monthly) to my Negril besties for the past couple years. I have found western union to be quite affordable as far as fees. However, they are quite strict. Ex: recipient cant get it cuz i sent too many times so they request and require a whole profile on the recipient, which of course, defeats the funds sent, timewise, esp now in difficult times. I do not think it is working a loop when I send at 1 time for all intended in 1 name and text my peeps to make sure 1 picks it up and disperses the funds to all included. Has worked for me with cheap fees. Just my experience. Hope this helps.