Transfer money to a bank account

Whether you’re sending money via credit¹ card to a bank account or using cash at a Western Union agent location, to make an international money transfer you need the following details from your receiver:

• Full name
• Country
• Bank name
• Bank Account or IBAN (International Bank Account Number)

The transfer time depends on the country you want to transfer money to. In many cases, it is 1-3 business days³. Depending on the country and our partners, your money transfer may even arrive on the same day or take more than 3 days.

Tip: We will always show you the estimated transfer time for each payment and receiving method and each destination country in the transfer overview.

Our transfer fees² vary depending on the destination country, money transfer amount, and payout method. Use our online price estimator to see how much it could cost to transfer money to your receiver online – including the transfer fees² and transfer total – with no obligation.

The time it takes to transfer money depends on the payment and receiving methods and the receiver’s country. The quickest way to send money is often a transfer with cash pickup at a location — this way, the money reaches the receiver in minutes³. Send money online or with the Western Union^® app for cash pickup.

When you send money online, you can easily see the expected delivery times in the transfer overview: Once you have entered the transfer amount and the payment and receiving methods, you will see the estimated time next to “Delivery time”.

Tip: If you want to transfer money to a bank account, please note that the transfer time depends on the payment method: Depending on the destination country, your money may arrive faster if you pay with Klarna or a debit/credit card¹ than with a conventional bank transfer.

The amount of money you can transfer in a single transfer or within a specific period of time depends on identity verification, payment and receiving methods and destination country:

1. You can send up to EUR 1000 within 3 days before we need to verify your identity.
2. Once your identity has been verified, we will automatically increase your transfer limit to EUR 5000, and for some pay-in methods up to EUR 50,000. Please note that it may take up to three days to adjust the limit.
3. You will always see the maximum transfer limit on the transfer screen as soon as you select the country of the receiver on our send money page.

A bank code is a series of numbers used to identify banks worldwide. Bank codes can range from 3-23 digits, depending on the country and the type of code. A bank code may be known as:

• BSB
• SWIFT code
• BIC (Bank Identification Code)
• NCC (National Clearing Code)
• BSC (Bank Sort Code)
• IFSC (Indian Financial System Code)

A SWIFT/BIC is a worldwide code for identifying banks. SWIFT and BIC are sometimes used interchangeably but represent the same thing. These codes are 8-11 digits long and sometimes needed when sending money.

An IBAN (International Bank Account Number) is used in some countries to identify a customer’s bank account. The IBAN is an alphabetical country code followed by 2 digits and then up to 35 characters for the bank account.

If you need an IBAN for your bank transfer, you should obtain this from your receiver.