Send money easily to a bank account overseas

With Western Union, you can send an international money transfer the way that suits you – online, with our app, or in person at an agent location.

We encrypt your transfers

We are committed to keeping your data secured

We’ve sent money around the world for over 150 years

Our best FX with $0 transfer fee for your first online transfer

Online bank transfers made quick and simple

Our international bank transfer service makes it simple to send money to your friends and family around the world. Whether you’re helping out with bills or sending a gift, here are a few reasons to make international money transfers with Western Union:

You can send up to $50,000 to a bank account when you pay with POLi

How to complete an international bank transfer

Register for your free account

Whether you’re starting an international transfer online or via our app, simply log in to your profile. If you don’t have a profile, register now for free.

Enter your transfer details

Select the destination country from our list of more than 200 countries and territories and enter the amount you want to send. Check the bank transfer service availability by destination.

Enter your receiver’s bank details

Choose to send to a bank account, then select a previous recipient or enter a new receiver’s bank account details.

Pay and send

Pay via POLi for an instant bank transfer from Australia, or with your Visa® or Mastercard®4. We’ll email you confirmation with a unique tracking number (MTCN), which you can share with your receiver.

Reasons to choose Western Union for international bank transfers

Ease and convenience

Send international money transfers conveniently – online, with our app, or in person at an agent location.

Commitment to security

Our encryption and fraud prevention efforts help protect your Western Union money transfers.

Speed and transparency

Send money in minutes³ for cash pickup and track your money easily along the way.

Worldwide reach

We make an average of 25 currency transfers per second, moving money from Australia to more than 200 countries and territories.


Trusted to send money internationally by millions of customers

Western Union is an international leader in cross-border, cross-currency money transfer services. Our aim is to encourage growing economies and build a better world for everyone. We help you send funds to friends and relatives around the world, using our online currency transfer tools, our app or in person.

Send money overseas with us today for a reliable and convenient transfer. Enjoy plenty of bonus benefits when making a global money transfer along the way.

Money transfers made easy with the Western Union® app

Send money instantly on the go, anytime and anywhere.

Save your family and friends’ details for fast transfers in the future.

Track your funds in real time, wherever in the world they’re heading.

Ratings as of July 2023.

Frequently Asked Questions about international bank transfers

What’s a bank code, and how do I find my receiver’s bank code?

A bank code is a series of numbers used to identify banks around the world. These codes range from 3 to 23 digits depending on the country of the bank and the type of code.

A bank code may be known as:

• BIC (Bank Identification Code)
• BSC (Bank Sort Code)
• CHIPS (Clearing House Inter-Bank Payment System)
• IFSC (Indian Financial System Code)
• NCC (National Clearing Code)
• SWIFT Code

Depending on your receiver’s location, some countries may require an International Bank Account Number (IBAN) as well as the bank code, to complete the money transfer.

What is a BIC/SWIFT code?

BIC stands for Bank Identification Code. This is a code used to identify banks worldwide for your money transfer. A BIC is the same as a SWIFT code – the terms are interchangeable. A BIC will either have 8 or 11 digits.

What is an International Bank Account Number (IBAN)?

Some countries use an IBAN to uniquely identify a customer’s bank account. The IBAN consists of an alphabetical country code followed by two digits, and then up to 35 characters for the bank account number. Some countries require that payments sent from Australia include an IBAN.

What information is required for an international bank transfer?

To make an international bank transfer you’ll need your:

  • Bank account, debit card or credit4 card details
  • Receiver’s bank name and bank code
  • Recipient’s account name and number

You may also need proof of ID to set up your profile initially or complete your transfer at one of our agent locations.

How much money can I send internationally?

The amount of money you can transfer internationally varies from country to country. You can see the transfer limits, exchange rates and any transfer fees3 for your receiver’s location on our send money page – with no obligation to continue.

How much is an international bank transfer?

You can get a price estimate for your international bank transfer on our send money page, without having to commit to your money transfer. This should include any transfer fees.

Still have questions or need help?

1 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.

2 Agent location count valid as of 30 September 2021.

3 Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

4 Some card issuers may charge additional fees for using our services. Please contact your card issuer for more information.