From where I am to get it into USA it takes Lmost 3 % commission and some bad exchange rates as well

Plus a lot of personal data if the amount exceeds some value ( differs country to country )

Western union handles the "unbanked " world ...i.e say when an new immigrant ( say to USA ) wants to send money to his grandma  in some developing world country ....... Not for two people who are Internet savvy and having bank accounts

I called local money gram and western union and was surprised by their rates ....both in the order of 3% for just a one way transfer