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)

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.

Transfer money to banks for 0 EUR fee

Q: What do you need to transfer money to a bank account?

Whether you’re sending money via credit 3 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)

Q: How long does a money transfer take?

The transfer time depends on the country you want to transfer money to. In many cases, it is 1-3 business days 2 . 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.

Q: How much does it cost to transfer money with Western Union?

Our transfer fees 1 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 fees 1 and transfer total – with no obligation.

Q: What is a SWIFT/BIC 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.

Transfer money to a bank account your way

Send money straight to your loved ones’ bank accounts. Pay with your credit³/debit card and bank account.

Send online

Send money to bank accounts around the world. You can save your receiver’s information to make repeat bank transfers quickly and easily.

Send money now

Send with the app

The Western Union^® app lets you send money from wherever you are, directly to your receiver’s bank account. You can also start a bank transfer on the app and pay at an agent location.

Download the app

Pay in person

Make an international bank transfer from Italy in person at our agent locations across the country.

Find locations

New customer offer

0 transfer fee¹on your first online money transfer to a bank account.

Send money

How to make a bank transfer

Register your profile

It’s free to create a Western Union profile. Register today or log in to send money to a bank account.

Choose the amount and destination

Enter your receiver’s country and the amount you’d like to send.

Enter your receiver’s bank details

Choose delivery method and select a receiver or enter a new receiver’s bank account details. You may also need to enter IBAN (International Bank Account Number).

Pay and send

Complete your money transfer. We’ll email you the confirmation with a tracking number (MTCN), which you can share with your receiver.

Send now

To make a seamless money transfer to a bank account, provide the following information:

Receiver‘s full name

Name of the bank

Bank account number

Additional information based on the recipient’s country

Here’s why international bank transfers with Western Union should be your number 1 choice

Western Union has been offering money transfer services worldwide for more than 150 years. Our reliable and easy-to-use services help your family and friends receive the money they need quickly and conveniently. We work hard to maintain your trust and ensure reliable services, whether you choose to send money online or from one of our hundreds of thousands of agent locations.

200+

In more than 200 countries and territories.

130+

Transfers in more than 130 currencies.

Billions

You can send money to billions of accounts around the world.

Send money with our app

Check your transfer fees and exchange rates.

Transfer money to bank accounts in minutes² 24/7.

Pay the way you want (e.g. bank account, credit³ or debit card).

Track your transfers easily.

Enjoy easy repeat transfers.

Learn more

4.7

4.6

Rating as of 28 April, 2025.

With the Western Union bank transfer service, reach whoever you want, whenever you want

Want to give a 25th wedding anniversary gift to friends who are far away, or donate to a hospital on the other side of the world? No problem, Western Union shortens distances and allows you to reach whoever you want and when you want. Trust Western Union and make your first international bank transfer with 0€¹ transfer fee. Choose the payment method that best suits your needs and those of your receiver, and in a few clicks, you will be able to make a transfer in a simple, reliable, and fast way.

Frequently asked questions

What do you need to transfer money to a bank account?

How long does a money transfer take?

How much does it cost to transfer money with Western Union?

What is a bank code?

What is a SWIFT/BIC code?

What is an IBAN?

Have more questions about transferring money to bank accounts?

Need help sending money or have another question? Contact our Customer Care team or visit our FAQ page for more information.

See FAQs

¹ Western Union makes money from currency exchange. Fees and rates subject to change without notice.

² Transfer speed and fund availability may be affected by factors such as service choice, amount, destination, currency, regulations, ID requirements, and system availability of our banking partners. Not available for all transactions. See Terms for details.

³ Additional third-party charges may apply.

Send money to a bank account with a Western Union bank transfer