Send money directly to a bank account
It is fast, reliable, convenient and easier as well, for your beneficiary to receive funds through their bank. It is convenient because you pay no more than 2,000 JPY in transfer fees*1 to send up to one million JPY. The money is sent directly from Western Union® Agent locations, and paid into the receiver’s bank account, so getting the funds is easy and reliable for your loved ones.
1. Prepare required information
When you send money directly to a bank account, you will need to know the recipient’s bank account details. Afterwards, visit your nearest Western Union Agent location.
Find out what details you need to send money directly to a bank account.
2. Complete the Money Transfer Application form
Please fill out Money Transfer Application Form (MTAF) at a location. You can also download MTAF from Western Union website. At any transaction, the customer is required to show the evidence(s) prove of your identification*4 and My Number (for Japanese Nationals and Foreign Residents in Japan only) *4.
Find out more about acceptable forms of ID and My Number document.
3. Pay the transfer amount and transfer fee*1
Principal amount and money transfer fee*1 are only payable in Japanese currency at Western Union® Agent locations.
4. Get a receipt with MTCN
You will receive a printout of the transaction details, which will include your Money Transfer Control Number (MTCN).
5. Contact your receiver
Contact your receiver and give them details of the transfer, including the name of the sender, the amount sent and any necessary information regarding the country of origin. Do not disclose transaction details to anyone else except the intended recipient. They will also need the MTCN.
6. Check the money transfer status
Confirm money has been paid into your receiver’s account by asking your receiver to check bank account or contacting the bank. You can use the MTCN to track the status of your money transfer.
7. Money will be paid into their account
Your money will be paid into your receiver's bank account within 1 to 3 bank working days*5 depending on the destination country. You will receive a SMS message of transaction status when providing your mobile phone number.
Transfer fees*1 to send money directly into a bank account
Relevant Countries: Australia, Austria, Bahrain, Bangladesh, Belgium, Brazil, Bulgaria, China, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Germany, Greece, Hungary, India, Indonesia, Ireland, Italy, Kenya, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Morocco, Netherlands, New Zealand, Nigeria, Norway, Pakistan, Philippines, Poland, Portugal, Russia, Singapore, Slovakia, Slovenia, Spain, Sri Lanka, Sweden, Switzerland, Thailand, Turkey, United Arab Emirates, United Kingdom and United States of America.
*1 Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice. Subject to applicable taxes (if any).
*2 Western Union reserves the right to limit the principal amount and frequency of money transfers. The maximum principal amount may vary depending on the law or regulation of certain countries.
*3 The beneficiary name on a bank account must be the same as the recipient name.
*4 Please see the “Customer Identification” section for details about personal ID in Japan.
*5 Services and Funds may be delayed or services unavailable based on transaction conditions, including regulatory and foreign exchange issues, identification requirements, consumer protection issues, delivery restrictions, bank operating hours, banking and local holidays, and differences in time zones. Additional restrictions may apply. See Send Form for detail.