Frequently Asked Questions

You can make up to 5 transfers to the same receiver on Alipay wallet within a 30-day period starting from the date of the first transfer. If it’s urgent, you can always choose a different payout method such as bank account or cash.

Best rate is the discounted currency exchange rate that we offer you.

After logging into your Western Union account, you will see the History page.

When your savings amount is more than 10 EUR, you will be able to see the total savings amount and the number of transfers for which you made the savings. 

To get the best exchange rate, simply select the right combination of different payment and delivery methods.

You can save more on transfer fees with us by choosing the right combination of payment and delivery methods. You can also use valid promo codes and My WU rewards. 

We calculate your total savings by adding all savings on transfer fees from My WU rewards, promo codes and special discounts that you received. These include only completed transfers during the last two years.

You can only make minor typographical corrections to the receiver’s name on a regular money transfer, as long as the money hasn’t yet been picked up or deposited. This can’t be done on a money order, bill payment or prepaid money transfer.

For your safety, make sure you know your receiver.

You can send money online to a Western Union location for a cash pickup, directly into your receiver’s bank account or to your receiver’s mobile phone. After you’ve chosen your destination country, you’ll see the types of services available.

Learn more about how to send money online.

Western Union uses Strong Customer Authentication (SCA) to secure online payments. To ensure the best experience when using Western Union, we ask our customers to consider the following:

• Ensure your card is enrolled for secure authentication by either contacting your bank or logging on to your online banking and selecting the option from your security settings.
• Ensure your contact information is up to date on your online banking and Western Union profile.

Please note, you can also pay for your money transfers via alternate payment options available for your country. Your payment options will be shown to you when you start an online transfer.

This service is available for certain countries. Usually, money is deposited into the receiver’s bank account within 1 or 2 working days. Money may be deposited on the same day or in up to 3 working days, depending on when and where it’s sent.

After you send money, ask your receiver to contact their bank or check their bank statement to verify the deposit.

Learn more about sending to a bank account.

You can send up to 1.000 EUR per transaction or within a 3-day period before we need to verify your identity. After your identity is verified, you can send up to 5.000 EUR per transaction.

Here are a few ways you can send money online using Western Union:

• Money in minutes:

If your money is needed within minutes, you can send online using your credit or debit card. Receivers can pick up cash at Western Union locations worldwide, depending on the hours of operation at that location.

If your receiver lives in a country where we offer mobile money transfers, you can send money to their mobile phone in a matter of minutes.Make sure your receiver has activated a mobile wallet with one of our partner mobile operators in their country.

• Money available in 1 or 2 days:

If you send money to a bank account, your money is generally available within 1 or 2 days, depending on your receiver’s country. Learn more about sending money to a bank account.

Verified by Visa^® and MasterCard SecureCode^® help prevent unauthorized online use of cards. These services use personal passwords or identity information and are available for most cards from participating financial institutions.

Once your card is activated, your card number will be recognized whenever it’s used at participating online stores. A window will automatically appear and your card issuer will ask for your password. You’ll enter your password to verify your identity and complete your purchase.

Even if you haven’t activated Verified by Visa^® or MasterCard SecureCode,^® your card can still be used on our site.

According to EU regulations, you have the right to easy, secure payments with no extra cost when you pay with a card issued in the EU¹. You also have the right to a basic payment account if you are legally residing in Europe. Learn more.

¹ Please note that you need to be a legal resident of the EU, Iceland, Norway, Liechtenstein, Switzerland, or the United Kingdom to be eligible for these rights.

Your debit or credit card payment may be unsuccessful due to several reasons:

a)      By your bank

Your bank may decline your payment due to:

• Insufficient funds in your bank account.
• Unusually large payment exceeding your bank limits.
• Your card may not be enrolled for secure authentication.

If your bank declines a payment while making a Western Union money transfer, you will need to contact your bank or log in to your online banking to resolve the issue.

b)      By Western Union

Western Union may decline your payment for the following reasons:

• Exceeding the transfer limit set for the country you are sending money from.
• To protect you from fraud or consumer scam.

Pay for your money transfer in the following ways.

a)      Card

You can pay using your debit or credit card.

Supported cards are: Visa, MasterCard, Maestro and Visa Electron. Please contact your bank to ensure your card is enrolled for secure authentication.

b)      Bank transfer from your account to Western Union

Enter your transfer details on westernunion.com and log in to your online banking to pay for your transfer.

1. Select a bank transfer option.
2. Review and confirm your transfer. Your receipt with your transfer information, reference number, and Western Union bank details will be shown to you and sent to your email address.
3. Log in to your bank website/ mobile app. Use the beneficiary information on the receipt page and make the payment via bank transfer. (Please ensure the information you provide matches the information on your Western Union receipt.)
4. Once Western Union receives your payment, a confirmation email will be sent to your email address.