Frequently Asked Questions

You can send money with us in any of the following ways:

Online or start online and finish in-store

Log in to your profile. If you don’t have a profile yet, create one.

Choose your receiver’s country and select Continue .

Enter the send amount or the receive amount and select;

Check fees .

Then choose any of the following send and receive methods ¹  :

You pay by:

• Australian credit or debit card
• PayID
• Google Pay
• Apple Pay

Receive by:

• Cash pick up
• Bank account ²
• Mobile wallet ²
• Credit or debit card ²

Select Save Continue to receiver .

Enter your receiver’s details.

Then select Continue to review and finally

Send  After you complete the transfer, you can  track it  with the tracking number (MTCN) on your receipt.

1 You can try a combination of different send or receive amounts and methods to get the best possible exchange rate, transfer fee, and delivery time.   2 The receive method is applicable to select receiving countries.

In cash at an agent location      Visit any of our agent locations  with your original government-issued ID.

Pay with cash or with debit card.     After you complete the transfer, you can track it with the tracking number (MTCN) on your receipt.

In person

You can visit a Western Union Agent location to send money using cash or, in some cases, a debit card.

You’ll need:

• Your receiver’s name as it appears on their government-issued ID
• Your receiver’s city/province/state and country
• Your government-issued ID*

You can find the fee*  and applicable FX rates of your transfers online, click
Estimate Price .

You may also receive fee discounts and other promotions by registering with our loyalty program – My WU, and can earn points every time you send a qualifying transfer.

Note: If you’re using a credit card to send money online or over the phone, a credit card issuer cash advance fee and associated interest charges may apply. You can avoid these fees by using a debit card.

* Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

To send money with Western Union, the following is a list of receiver information you may need:

• Exact name as it appears on their government-issued ID
• Receiver’s street address, city/province/state, and country

You may also need additional receiver information depending on the service you choose:
WU.com or mobile app:

• Credit** or debit card
• Bank account info

Start in app, pay cash in person:

You may use the WU app to start the transfer and pay in cash at a participating Agent location. You will need:

• Receiver’s full name as it appears on their government-issued ID
• Receiver’s city/province/state and country

Have your ID ready. In some cases, depending on the amount, you may need to provide additional identification.
Mobile Money Transfers (send to a receiver’s mobile wallet):

Country code and telephone number

Direct to Bank:

• Within the US: Bank name, account name, account number and routing number
• Outside the US: International bank account number (IBAN) and international bank identifier code (BIC), or the receiving country equivalent

Bill payment:

• Company name (also known as code city and state)
• Account number
• Reference number, if applicable (provided by the company or biller)

Sending money to an inmate:

• Correctional facility name (also known as code city and state)
• Inmate’s number
• Inmate’s complete name
• Reference number if applicable (provided by the correctional facility)

** Card issuer cash advance fee and associated interest charges may apply. Use a debit card to avoid these fees and charges.

WU.com, mobile app, and Agent locations

WU accepts Australian Visa®, MasterCard®, credit cards*.

For WU.com or mobile app transfers

Yes. You need to create a profile. To Register for a profile, you will need:

• Your complete name as it appears on your government-issued ID
• Your email address
• Your mobile number
• Your billing address

Note: After successful registration, your profile can be accessed either via WU.com or mobile app.

For in-person transfers

No. Registration is not required.

If that option is available for selected country and currency, you can use the bank transfer option.

This depends on the money transfer delivery options available in the destination country.

Cash pick up at an Agent location. They can pick up the money at any nearby Western Union location. Your receiver will need to fill out the To Receive Money Form (TRMF) and present Government-issued ID*.

• Tracking number (MTCN)
• Sender’s complete name
• Sender’s country state/city/province may be required
• Expected amount

Direct to Bank. The money is sent to the receiver’s bank account you provided when you sent the money transfer.

Mobile Money Transfer (transfer to a receiver’s mobile wallet). The funds are sent to the receiver’s mobile wallet. Your receiver can visit the qualifying mobile network operator to receive the cash.

Money transfer to a correctional facility. The money is sent to the correctional facility and account number you provided when you sent the money transfer.

* Your receiver may be required to provide identity information depending on the service, send amount and the destination of the money transfer.

Sending money directly to a bank account

If Direct to Bank is available, you can send money directly to your receiver’s bank account.

WU.com or mobile app

When sending money, choose
Bank account as the delivery option.

In person

When sending money from an Agent location, choose
Bank account deposit as the money delivery option.

Note: This option is not offered via Telephone Money Transfer.

You’ll need:

Within the US: Bank name, account name, account number and routing number

Outside the US: One or all of the following may be required:

• Branch name, bank, or branch code
• Account number or International Bank Account Number (IBAN)

• Routing number, International Bank Identifier Code (BIC), swift BIC or Indian Financial System Code (IFSC)

About UPI
Unified Payment Interface (UPI) is a payment method that allows you to instantly transfer money to a bank account in India.

Understanding UPI ID
UPI ID is a virtual payment address (VPA) that uniquely identifies one person. A UPI ID format is like an email ID: with the sign “@” in the middle. For example, your receiver’s UPI ID could be “receiver’s_name@bank_name” or “phone_number@bank_name.”
When sending with a UPI ID, you only need to have your receiver’s UPI ID. You do not need to ask receivers for their account number, account type, bank name, or IFSC code.
To receive the payment, the receiver needs to have their UPI ID linked to the bank enabled for international UPI remittance. Please see below the list of banks that support international UPI.

Current list of banks that support international UPI transfer
Below are the banks currently supported. More banks will be made available soon.
ICICI Bank- ICIC
Axis Bank- UTIB
Bank of India- BKID
Andhra Bank- ANDB
Yes Bank- YESB
IndusInd Bank- INDB
UCO Bank- UCBA
Central Bank of India- CBIN
Bank of Baroda- BARB
Kotak Mahindra Bank- KKBK
State Bank of India- SBI
Allahabad Bank- ALLA
HSBC- HSBC
IDBI Bank Limited- IBKL
Oriental Bank of Commerce- ORBC
Punjab and Sind Bank- PSIB
RBL – RATN
South Indian Bank- SIBL

Send limits using UPI
Currently, you can send up to 200,000 INR per transfer.

Steps to send money using a UPI through Western Union
Western Union is the first money transfer service company to use a UPI transfer internationally.
1. Log in to your Western Union profile.
2. Choose India as your receiving country (you will need to know your receiver’s mailing address).
3. Choose to send using a bank pay out and use any payment method.
4. Choose UPI ID under the bank information section. You’ll be able to browse all the banks enabled for international UPI transfer.
5. Choose to send your transfer, and you’re all set. Generally, your transfer should be completed in minutes.

For security reasons, only the designated receiver can pick up a transfer. However, you can ask your sender to contact our Customer Care to cancel that transfer and start a new one. Your sender can then transfer money online directly to a bank account or a mobile wallet, if available.

No. You can send money transfers over the phone using either a landline or a mobile phone.

This depends on the money transfer delivery you choose and the destination country.

Cash pick up at an Agent location

Your receiver will need:

• Tracking number (MTCN),
• Sender’s complete name,
• Sender’s country and state/city/province may be required,
• Expected amount, and
• Government-issued ID*.
• In some receiving countries, a security question may be required

Direct to Bank

Funds are sent directly to the receiver’s bank account and receiver will need to comply with bank’s requirements and policies to receive funds.

Mobile Money Transfer

Funds are sent directly to mobile account and receiver will need to comply with mobile network operator’s requirements and policies to receive funds.

Money transfer to a correctional facility

Funds are sent directly to the inmate’s account. The inmate will need to comply with the facility’s requirements and policies to receive funds.

* Your receiver may be required to provide identity information depending on the service, send amount and the destination of the money transfer.

How can I pay for my transfer?

If available, you can pay with the following:

• Australian issued Credit *  or debit card
• PayID
• GooglePay or ApplePay

*If you’re using a credit card, a card issuer cash advance fee and associated interest charges may apply. You can avoid these fees by using a debit card.

WU.com or mobile app

Log on to your Western Union Profile, select Pay Bills, and fill out the required information:

• Correctional facility name (also known as code city and state)
• Inmate’s number
• Inmate’s complete name
• Reference number if applicable (provided by the correctional facility)

In person

Ask the Agent for the To Send Money Form (TSMF) for Bill Payments service. You will need:

• Correctional facility name (or code city)
• Inmate’s account number
• Inmate’s complete name
• Amount
• Speed of delivery (Same Day, Next Day and 2nd Day).

Note: Service fee varies on the chosen speed of delivery. This is applicable in select Agent locations.

You can send money quickly using WU Money in Minutes*:

With WU.com or the mobile app

Log in to WU.com and select Send Money and choose Cash at agent location, or access the mobile app and select Cash pick up, then pay with a credit* or debit card.

In Person

Visit an Agent location and pay with cash or debit card, where available. Be sure to choose Money in Minutes*.

Sending money with my bank account

WU.com or mobile app

If you’re a first time user of
WU.com, you’ll need to create a
profile. If you’re a first time user of the mobile app, download the app first, then create a profile.

1. Click Send Money and select the destination.
2. Enter the send amount and currency.
3. Choose Bank account as the payment option.

Note: Bank account as a payment option is unavailable when sending money in person, by phone, or if sending to a mobile wallet.

You can send money with Western Union:

• Online using our website or the Western Union mobile app.
• In person at a Western Union agent location.

Online using our website or the Western Union mobile app

To send your first money transfer¹ with Western Union, create a profile on our mobile app or website.

1. Log into your Western Union profile or register if you are a new user.
2. Select Send money.
3. Select the receiver’s country and enter the amount and currency.
4. Select how your receiver would like to get the money:

• • Cash pickup
  • Bank account deposit
  • Mobile wallet

5. Choose your payment method²:

• • Australian Credit³ or debit card
  • PayID
  • Cash at a Western Union location
  • GooglePay or ApplePay

6. Review the transfer summary
7. Select Submit.

Tips:

• Service availability may be different for each receiver’s country⁴.
• You can add or delete the details of your receivers in your profile.
• You have the option to resend the same amount to your receivers.

At an agent location or in-store

If you want to send money in person, visit a Western Union agent location and pay via cash or a debit card⁵.

If you want to send cash, you can still start your money transfer online with our pay in-store service to save time and then pay in cash at one of our agent locations.

To pay in-store:

1. Log into your Western Union account on westernunion.com or the Western Union app.
2. Select Pay in-store.
3. Go to a nearby agent location and provide your phone number and pay to complete the money transfer.

You can check the status of your money transfer using our Track a transfer service.

Superscripts:

¹ You must be at least 18 years old to send or receive money with Western Union.

²The payment and receiving methods are different for each country.

³Card-issuer cash advance fee and related interest charges may apply. Use a debit card to avoid these fees and charges.

⁴We might ask you to verify your identity depending on the service, send amount and the receiver country.

⁵ This service is available only at some agent locations.

Western Union and the Western Union Foundation launched a $1M USD global appeal and is accepting donations through May 15^th Western Union and the Western Union Foundation will match up to $500,000 USD in donations to go toward supplies, equipment, and frontline medical aid. Donate here.

Specific money transfer limits will vary based on a number of factors, including:

• Your transfer history
• Your location
• Your receiver’s location
• The service you choose
• Your payment method
• Agent location limits
• Country receive limits

Sending on WU.com or mobile app

To determine how much you can send on WU.com or the mobile app, click Send Money.
Sending in-person

To determine how much you can send in-person, visit one of our Agent locations.

Your transfer will be available for 30 days. After this time, your sender will have to contact our Customer Care to restart the transfer or cancel the transfer for refund.

Yes. You will need your full name and email address.

You may also need additional information such as:

• Mailing address
• Security question and answer, and
• Mobile number

The Money Transfer Control Number (MTCN) is a unique number assigned to your transfer.
Your receiver will need this number when they pick up their money, and it can also be used to
track your transfer.

Please be aware of the risk of fraud and phishing, especially during this time, and take extra caution when sending money:

• Don’t send money for loan or credit card fees, customs, or shipping fees.’
• Don’t send money to someone you haven’t met in person.
• Be suspicious of businesses without a verified street address.
• Don’t pay for an item or service with a money transfer to an individual.
• Be suspicious about transferring money for charity and ask a representative for an ID.
• Think twice before sharing your financial information.

Please visit our Fraud awareness page to learn more and check current Coronavirus-related online scams.

WU.com or mobile app

Use an Australian credit* or debit card, or a bank account. You may also initiate your transfer using the mobile app and pay cash at participating WU Agent locations.

In-person

Visit a Western Union Agent location to send money using cash or, in some cases, a debit card.