Send money to a mobile wallet

Send money to a digital wallet1 when timing matters most. From small surprises to urgent needs, it’s easy and convenient to send money from Western Union to a mobile wallet.

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    Reliable
    Send your money with confidence thanks to our encrypted transfers
    Trusted worldwide
    Millions of people around the world choose to send money with Western Union
    Simple and fast
    Choose the way to pay that suits you and your friends and family

    Where can I send money to a mobile wallet?

    Western Union offers reliable mobile wallet1 transfers to a number of countries – from China to many countries in Africa and Central America. Check the list below to see if this product is available in your receiver’s country. The product may also appear as a receive option when you send money online or through our app.

     

    We can only transfer money to customers of our partner mobile operators. Send limits will vary depending on the receive country, receive digital wallet provider, funds in selection, transfer history and more.

    Bangladesh
    China
    El Salvador
    Ethiopia
    Ghana
    Guatemala
    Indonesia
    Kenya
    Mexico
    Morocco
    Philippines
    Vietnam

    How to send money to a mobile wallet

    Ready to send money to a bank account or mobile wallet? It takes only a few quick steps to complete your transfer online or in the Western Union® app.

    Create your profile by registering on our website and logging in.

    Choose how much to send, your destination country, and delivery method.

    Select your payment method, such as bank transfer or credit1 or debit card.

    Enter key details, including your receiver’s name, mobile wallet provider, and phone number.

    Confirm and send. You’ll receive a tracking number (MTCN) to follow your transfer from start to finish.

    Money transfers at your fingertips with our app

    Start a transfer virtually anywhere – at work, home or on vacation.

    Make fast repeat transfers to a particular mobile wallet1 via the Western Union® app.

    Get real-time updates on your money’s progress.

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    More ways to transfer money with Western Union

    Fast online money transfers

    Send money to digital wallets and bank accounts in a few clicks. Or select cash pickup from an agent location for collection in minutes2.

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    Send money 24/7 with our app

    Manage your money transfers in one place. Check exchange rates and agent locations and send money while out and about.

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    In-person support

    We also give you the option to pay in cash, with thousands of agent locations around the world.

    Explore our agent locations

    Start an online money transfer today

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    Earn rewards with every send

    Sign up for free and start earning rewards with every qualifying transfer. Redeem them for discounts and enjoy exclusive member perks.

    Get paid directly to your card

    Receive money straight to your Western Union Prepaid Visa® Card and simplify your spending.

    Build credit with confidence

    Western Union has partnered with Upwardli to help you build credit while sending money. Apply for Credit Builder3, start sending, and monitor your credit growth.

    Break down international borders

    Send money to a digital wallet across the globe. We serve more than 200 countries and territories from the US.

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    Partnered for global convenience

    Western Union works with leading mobile wallet providers worldwide, making it easy to send money directly to the service your receiver knows and trusts. 
    Western Union teams up with global partners, so using a digital wallet for international money transfers is simple, familiar, and reliable — no matter where you send.

    mobile wallet partner for money transfers to the Philippines
    GCash
    mobile wallet partner for money transfers to Mexico
    Mercado Pago
    mobile wallet partner for money transfers to Africa
    MPESA
    mobile wallet partner for money transfers to Nigeria
    MTN Mobile Money
    mobile wallet partner for money transfers to Colombia
    Nequi
    mobile wallet partner for money transfers to Peru
    Yape
    mobile wallet partner for money transfers to Mexico
    OXXO
    GettyImages-1356741033-scaled

    Trusted by customers around the world

    Sending money to a mobile wallet with Western Union is all about empowering your loved ones. With us, it’s simple, reliable, and designed to give support at just the right time.

     

    Backed by decades of cross-border expertise, we make moving money across currencies and countries easy – whether online, in our app, or in-person.

     

    Transfer money to a digital wallet today and see how effortless it can be.

    • We use encryption to help protect you
    • We’re committed to mobile wallet safety and keeping your data secure

    Frequently asked questions about sending money to a mobile wallet

    What is a mobile wallet?

    A digital or mobile wallet is an app that allows you to pay for goods and services without using physical cash or cards. It securely stores your debit or credit card information on your phone, making in-store payments faster and more convenient. One of the key benefits of using a digital wallet is the ability to receive money transfers directly, giving you quick access to funds you can spend, save, or send — right from your device.

    Is a digital wallet the same thing as a mobile wallet?

    Yes, a digital wallet and a mobile wallet are essentially the same. Both refer to apps that store payment information on your phone, allowing you to make secure purchases, send money, and receive transfers without physical cash or cards.

    How does a mobile wallet work?

    Simply follow this process to ensure your mobile wallet works effectively:

    1. Install a wallet app on your mobile device.
    2. Link your credit card and/or debit card to the app by entering your payment details.
    3. Find a store offering contactless payments.
    4. Give the app permission to make a payment. This differs between apps but could involve unlocking your phone or using Face ID on an iPhone.
    5. Hold your device near the store’s contactless reader to complete the payment.

    What mobile wallets can I send money to through Western Union?

    Mobile money transfers can only be sent to mobile wallets if the phone operators work with Western Union. You can view all the countries that accept digital wallet transfers in the Western Union app.

    How do I send money to a mobile wallet with Western Union?

    Western Union sends money electronically to mobile wallets, meaning no physical cash is moved. The money goes into the mobile wallet account linked to your receiver’s phone number. You can make transfers online or through our app to customers of partner mobile operators.

    Still have questions about mobile money transfers?

    Visit our FAQs or contact us. Our Customer Care team is just a call away.

    See FAQs

    1 Additional third-party fees might apply.

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

    3 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, agent location hours, differences in time zones, or selection of delayed options. For mobile transactions, funds will be paid to the receiver’s mWallet account provider for credit to the account tied to the receiver’s mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. See the transfer form for restrictions.

    Please contact Upwardli at support@upwardli.zendesk.com for a complete list of states where credit building services are available.