Frequently Asked Questions

To open a Western Union Digital Banking account, you must have a personal bank account¹ and not be a US taxpayer. You must be at least 18 years old and reside in one of the following countries:

• Germany
• Romania
• Italy
• Poland

¹ A personal account is used for one’s daily and regular expenses, such as rent, utilities and groceries. In other words, for purposes other than business and only to be used by the users themselves.

To open a Western Union Digital Banking account, please provide the following:

•  Phone number
•  Email address
•  Government-issued photo ID (e.g., passport or national identity card)
•  Tax information. Example: Tax Identification Number (TIN)²

² This information is mandatory for Italian and Romanian users.

Currently, Western Union Digital Banking app is available in Germany, Romania, Italy and Poland. 

When you open a business premium account, you will receive a physical debit card, and you will also be able to:

• Open five additional accounts and choose from over 13 currencies.
• Get a competitive interest rate.
• Access to two free ATM withdrawals a month.
• Get the best exchange rates for card transactions.

It will take around 15 minutes to submit your application.

We are sorry that we could not process your application due to issues with the provided information. Please re-submit your information or reach out to our customer care.

Currently, we are unable to provide the specific reasons for a declined application. Please contact customer care for more information.

If you are an existing Western Union customer, log into your Western Union profile to set up your Digital Banking account. You must provide some additional personal details, set up a password and verify your identity.

Please note that your Western Union profile will be upgraded to a Western Union Digital Banking account.

To open a Western Union Digital Banking account, complete the following steps:

1.  Open the WU app and set up a password.
2.  Enter your phone number and verify it with the 6-digit code sent to you.
3.  Set up a passcode and complete your biometric authentication.
4.  Enable access to your phone camera and enable device location.
5.  Scan your ID document from different angles.
6.  Then confirm the information you have provided, adding a few more details such as your first and last name, date of birth, gender, and complete postal address, among others.
7.  Take a selfie in good lighting.
8.  Fill out a few more details about employment, preferences and your tax ID.
9.  Click Submit.

We will notify you as soon as your application is complete.

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

1. Choose Send money. 
2. Choose a country to send money to. 
3. Enter an amount. 
4. Choose how your receiver will pick up the money. They can get cash directly in their bank account, or mobile wallet, if available. Or they can pick it up in person. 
5. Choose how to pay.