How to send money with Western Union
It’s fast, easy, and convenient, whichever way you choose to send: online, in person, or with our app.
Send money online in a few simple steps
Do you want to transfer money via the Western Union® app for your best friend’s graduation gift? Or maybe transfer money in person to help your parents realize their big dream for their anniversary? Western Union is the simple and fast solution suitable for anyone. Why? Because it lets you send money online in just a few steps.
How to send money
Cash pickup
Send to hundreds of thousands of agent locations1 around the world in minutes2.
Bank account
Transfer directly to a bank account in a few simple steps.
Mobile wallet
Deposit money directly to your receiver’s mobile phone in selected countries3.
Do you want send more than 1000€? Verify your profile!
Flexibility to change cash pickup
1
Log in and view transfer history
Select ‘More’ and then choose ‘Update delivery method’.
2
Fill in receiver’s details
Enter your receiver’s address and bank account details**.
3
Confirm the transfer
A receipt will appear showing if your delivery method has been updated.
It’s quick
Send money around the world for cash pickup in minutes2.
It’s convenient
We give you all the options. Send in a way convenient for you, let them receive your money in a way convenient for them.
It’s easy
We provide 24/7 customer care to help you with your money transfer needs.
It’s reliable
Track your transfer on our app or website using a unique Money Transfer Control Number (MTCN).
It’s global
Money transfer available to hundreds of thousands of agent locations in 200+ countries and territories.
It’s trusted
Millions of people trust in our 150+ years of experience to move money every day.
Send money abroad
Support your family and friends abroad as conveniently as possible with international money transfers by using our online services, the Western Union® app or in person at an agent location1. Sending money abroad with Western Union is fast, easy, and reliable.
1 Check the list of agent locations where the “Pay in cash” service is available directly in the Western Union app by selecting “Pay in cash” service.
2 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 receiver’s mWallet account provider for credit to account tied to 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.
3 Service available for these destinations: Kenya and Madagascar. 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 receiver’s mWallet account provider for credit to account tied to 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.
4 Agent location count valid as of December 31, 2021.
5 Valid only for westernunion.com or Western Union® app transfers sent to India, Pakistan, United States, Philippines, Thailand and Turkey.
6 Please make sure that the receiver’s name accurately matches the details of the bank account owner. (Account details may vary by country).
Send money to a bank account
What is the Western Union® Direct to Bank Account money transfer service?
What information is required from the sender to send a Direct to Bank Account money transfer?
How can I send money to a bank account?
What's a bank code?
What's an IBAN code?
What currencies are available for payouts?
How long will it take my money to get there?
How can I find out if my money has been sent?
What's a BIC code?
What is the Western Union® Direct to Bank Account money transfer service?
The Direct to Bank Account money transfer service offers senders an easy and convenient way to send funds directly to a receivers’ bank account.
What information is required from the sender to send a Direct to Bank Account money transfer?
The bank information required to send a Direct to Bank Account money transfer varies by country. In generally you will need to know:
Your Receiver’s bank name. Your Receiver’s Bank Code and bank account number. The amount and currency you wish to send. You can refer to the Direct to Bank Account - Country Information section to see specifically what details are required for each country.
How can I send money to a bank account?
This service is available for certain countries. Direct to bank money transfers will generally be credited at the receiver's Bank account within 3 banking business days after money is sent, subject to Restrictions. See Terms and Conditions for details.
After you sent the money, ask your receiver to contact their bank or check their bank statement to verify the deposit.
What's a bank code?
A bank code is a series of numbers used to identify banks around the world. The bank code can be 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)
- CHIPS (Clearing House Inter-Bank Payment System) — US and Canada only
- NCC (National Clearing Code)
- BSC (Bank Sort Code)
- IFSC (Indian Financial System Code)
For some countries, you also may need an international bank account number (IBAN) in addition to the bank code.
You should obtain the bank code and IBAN (if applicable) from your receiver.
What's an IBAN code?
An IBAN 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 as many 35 characters for the bank account.
You should obtain the IBAN from your receiver.
What currencies are available for payouts?
Payouts will only be made in the local currency. Senders should ensure their receiver's bank account is a local currency account to avoid potential service delays or additional charges from the receiver's bank.
How long will it take my money to get there?
Direct to back money transfers will generally be credited at the receiver's Bank account within 3 banking business days after money is sent, subject to Restrictions. See Terms and Conditions for details.
How can I find out if my money has been sent?
You can use the transfer status service to track the status of any money transfer. All you need is the tracking number (MTCN) and the sender's name.
What's a BIC code?
A BIC is a worldwide code for bank identification. The BIC is the same as the SWIFT code and is either 8 or 11 digits.