When it comes to money transfers you want a service that’s fast, secure and easy to use. Western Union lets you send and receive money your way, whether you’re sending back home, receiving money or sending a gift. Choose the option that works best for you: online, through our app or at a nearby agent location.
How does Western Union work?
We work with a vast network of agent locations, bank partners and digital platforms to make the money transfer experience simple and reliable.
You can use our services online via our website, app, or in person at an agent location. We’re available in over 185 countries and territories, processing an average of 16 transactions every second.
With us, you can transfer around the world or within the country. Plus, you can easily track your transfers at any time to stay updated on their statuses.
How to use Western Union for the first time
Getting started with Western Union is easy. Register with Western Union online on our website or app and verify your identity. Once that’s done, you’re all set to send or receive money.
How to send money with Western Union
You can send money online using our app or website. If you prefer sending your transfer in person, visit one of the agent locations. Whichever method you choose, we’re here to help you transfer money securely.
Let’s explore your options:
Choose the most convenient way to transfer money
Send money online
Prefer to send money from the comfort of home? Just log into our website, start a transfer, and follow the steps to send it to your receiver.
Send money in person
Want to send money in person? Visit a nearby agent location with a valid government-issued ID and your receiver’s details. Our agent will guide you through the rest.
Send money using our international money transfer app
Need to send money while you’re on the move? Download our app, log into your profile and start sending transfers anytime.
Choose a payment method
With various payment options, you can easily transfer money. Pay the way that works best for you:
- Bank account: Pay directly through our app or website using your bank account. It’s secure.
- Credit or debit card: Use your card to send money quickly through our app or website. It’s fast, secure.
- Google Pay: In some countries, we also offer Google Pay as a payment method. Another great option for online payments.
- Cash (in person only): If you’re sending money in person at an agent location, you can pay with cash. You’ll need to bring your ID and receiver’s details. The transfers are usually delivered in minutes*.
* 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.
What information do you need to send money through Western Union?
To make sure your money transfer is delivered on time, it’s important to prepare properly. Before sending, make sure you have the following information handy:
- Your receiver’s country
- The amount you want to send
- Your preferred payment and delivery method
- Your receiver’s name (as per their government-issued ID)
Tip: Double-check all details to avoid delays.
How much money can you send through Western Union?
The amount you can send depends on your location, the receiver’s country, payment method, delivery method and transfer limit. You’ll know your sending limit when you start the transfer.
If you need to send more than the allowed limit, you may be asked to provide additional verification details.
How to receive money with Western Union
Once a transfer is sent, receiving it is just as simple. Your receiver can collect the money in cash or receive it directly into their bank account, debit card or mobile wallet depending on availability.
Ways to receive money
Cash pickup at an agent location
Your receiver needs to visit a nearby agent location with their government-issued ID and the tracking number (MTCN) to pick up the transfer in cash.
Direct deposit in bank account or debit card
In many countries, money can be sent directly to a bank account or a debit card.This option is available when sending money transfers online.
Mobile wallet transfers
If available in your receiver’s country, you can send money online directly to their mobile wallet.
Your receiver and you can track the transfer with or without the MTCN and stay informed.
How to change your money transfer pickup method
You can update your transfer delivery method before a transfer is complete. You can do it through our website, app or by contacting our Customer Care. Your receiver can request to update it when they’re tracking their transfer status.
What documents does my receiver need to receive money?
To pick up the cash, your receiver must bring:
- Their valid government-issued ID
- Tracking number (MTCN)
Western Union fees and exchange rates
We keep our fees clear and straightforward so you can send money with confidence. Here’s what you should know:
How much does it cost to send money with Western Union?
The cost of sending money depends on:
- Transfer amount
- Receiver’s country
- Payment method
- Delivery method
Use our fee estimator on the website or app to get an idea of the cost before you begin.
What are Western Union exchange rates?
Exchange rates (also known as FX rates) can vary based on market conditions. At Western Union, we aim to keep them fair and reasonable. We do make some money from currency exchange. If you want to wait for a better rate, just set up an FX alert and we’ll let you know when it’s a good time to send.
Reasons to use Western Union
Millions trust us to send and receive money around the world. Here’s why:
Global payout options
Available in 185+ countries and territories around the world, we help you send and receive transfers almost anywhere.
Ease and convenience
Send money your way – through our website, on the go with our app or in person at an agent location.
Our commitment to security
Your money and personal information are protected with the latest security measures.
Helping people everywhere
We’re committed to making money transfer services accessible, especially where they’re needed the most.
Send money with confidence
With Western Union, sending money is simple, secure, and always within reach. From fast transfers to flexible delivery options, we’ve made it easier to move money with confidence.
