Frequently Asked Questions

To send money online, please visit wu.com or the Western Union app and create a profile. After your profile has been verified, you’ll be able to send money directly to your receiver’s bank account or for a cash pickup at one of our agent locations.

Your money will be available within minutes for a cash pickup, and within 1-2 business days for a direct to bank account transfer, depending on your receiver’s country¹.

There are several ways to pay for an online transfer on wu.com in the United Arab Emirates:

1. By a debit, credit or a prepaid Mastercard^® or Visa^® card, issued in the United Arab Emirates.
2. By real time bank transfer from a bank account in the following listed banks:
   • Abu Dhabi Commercial Bank (ADCB)
   • Arab Bank PLC
   • Commercial Bank International PLC
   • Commercial Bank of Dubai (CBD)
   • Dubai Islamic Bank
   • Emirates NBD
   • First Abu Dhabi Bank (FAB)
   • HSBC Bank Middle East Limited
   • Standard Chartered Bank
   • Union National Bank
   • Noor Bank
3. By a bank transfer directly to an Al Fardan Exchange account
4. By cash at one of Al Fardan Exchange locations.

Please follow the steps below to send money online by real time bank transfer:

1. On the “Send money” page, select the destination country and the amount to be sent.
2. Select the way your receiver wants to get the money.
3. Select ‘Real time bank transfer’ as your payment method and choose from the list the bank you will be paying from.
4. If your bank is included in the lost below, you will be requested to pay for your transfer by connecting to your online banking and confirming the transfer.
   • Abu Dhabi Commercial Bank (ADCB)
   • Arab Bank PLC
   • Commercial Bank International PLC
   • Commercial Bank of Dubai (CBD)
   • Dubai Islamic Bank
   • Emirates NBD
   • First Abu Dhabi Bank (FAB)
   • HSBC Bank Middle East Limited
   • Standard Chartered Bank
   • Union National Bank
   • Noor Bank

For more details, please call the Western Union Customer Care toll free number 800 SENDWU (800 736 398) or send an email to wu.support@alfardanexchange.com.

Please follow the steps below to send money online by bank transfer:

1. On the “Send money” page, select the destination country and the amount to be sent.
2. Select the way your receiver wants to get the money.
3. Select “Bank transfer” as your payment method.
4. Transfer the total amount to “AL FARDAN EXCHANGE LLC” (Beneficiary): pay as a payee/biller. (You will only need to do this once).
5. Copy the bank reference from your internet banking portal.
6. Log back into your Western Union profile on westernunion.com or our mobile app. Select the correct transfer from your transfer history and then paste the bank reference number.
7. Your transfer will be instantly sent after we receive payment. You will immediately receive a confirmation email.

Please follow the below steps to pay by card when sending money online:

1. On the “Send money” page, select the destination country and the amount to be sent.
2. Select the way your receiver wants to get the money.
3. Select the type of card you will be paying with (credit or debit)².
4. Fill in the information about your receiver.
5. Fill in your card information and complete the payment.

For more details, please call our Customer Care toll free number 800 SENDWU (800 736 398) or send an email to wu.support@alfardanexchange.com

You can review the list of countries to which you can send money online from the United Arab Emirates. Transfers within the United Arab Emirates are also available.

After your profile is verified, you can send up to 34,890 AED (approximately 9,500 USD) per transfer. If you pay with your debit card, your money transfer limit will be the same as your daily ATM withdrawal limit.

Your online receipt will show if your transfer has been approved. You can also track the status of your transfer here. When the transfer is approved and completed, you’ll get an email with your tracking number (MTCN). If your transfer is on hold, you might be contacted for more information. If your transfer is rejected, you may call Western Union’s Customer Care toll-free number 800 SENDWU (800 736398) or write an email to wu.support@alfardanexchange.com.

A transfer can only be cancelled if the money hasn’t been deposited into your receiver’s bank account or collected in the destination country. If you wish to cancel your money transfer, please call our Western Union Customer Care toll free number 800 SENDWU (800 736398), or send an email to wu.support@alfardanexchange.com.

For the transactions funded through debit/credit card, the refund may take up to 14 days depending on the processing time taken by your bank. Kindly contact your bank for any such delays.

A receipt will be sent to your email when the transfer is completed. You can also always check the details of all your transfers in your profile.

Once you have successfully registered online, you will be asked to visit the nearest Al Fardan’s Exchange locations in UAE and verify your identity in person.

The tracking number (MTCN) is a unique code assigned to your transfer.

Your receiver will be required to provide this 10-digit number, during the money pickup. The tracking number can also be used to track your transfer.

Western Union uses the latest technology to ensure convenient and reliable online money transfers. We have upgraded our security standards to protect you from fraud when you pay online using a credit or debit card. This enhanced layer of security helps card-issuing banks to better identify and verify customers, allowing for convenient, smooth, and reliable online transactions.

Western Union uses Strong Customer Authentication (SCA) to secure online payments. To ensure the best experience when using Western Union, we ask our customers to consider the following:

• Make sure your card is enrolled for secure authentication by either contacting your bank or logging in to your online banking and selecting the option from your security settings.
• Ensure your contact information is up to date on your online banking and Western Union profiles.

Verified by Visa^® and MasterCard SecureCode^® help to prevent unauthorized online use of cards. These services use personal passwords or identity information. They are available for most cards from participating financial institutions.

Once your card is activated, your card number will be recognized whenever it’s used at participating online stores. A window will automatically appear, and your card issuer will ask for your password. You’ll enter your password to verify your identity and complete your purchase.