Frequently Asked Questions Questions About Money Transfers

Have questions about making money transfers with Western Union? Browse through our list of frequently asked money transfer questions and answers to find the information you’re looking for.

FAQ / Customer support topics

Customer support topics

How do I send money to India with UPI?

About UPI

Unified Payment Interface (UPI) is a payment method that allows you to instantly transfer money to a bank account in India.

Understanding UPI ID

UPI ID is a virtual payment address (VPA) that uniquely identifies one person. A UPI ID format is like an email ID: with the sign “@” in the middle. For example, your receiver’s UPI ID could be “receiver’s_name@bank_name” or “phone_number@bank_name.”

When sending with a UPI ID, you only need to have your receiver’s UPI ID. You do not need to ask receivers for their account number, account type, bank name, or IFSC code.

To receive the payment, the receiver needs to have their UPI ID linked to the bank enabled for international UPI remittance. Please see below the list of banks that support international UPI.

Current list of banks that support international UPI transfer

Below are the banks currently supported. More banks will be made available soon.

•Abhyudaya Cooperative Bank Limited•Janata Sahakari Bank Limited•Airtel Payments Bank Limited•Jana Small Finance Bank Limited
•Andhra Bank•Karnataka Bank Limited•The Andhra Pradesh State Cooperative Bank Limited•Kalupur Commercial Cooperative Bank
•Andhra Pragathi Grameena Bank•Kalyan Janata Sahakari Bank•Andhra Pradesh Grameena Vikas Bank•Kotak Mahindra Bank Limited
•Apna Sahakari Bank Limited•Kerala Gramin Bank•Bassein Catholic Cooperative Bank Limited•The Karanataka State Cooperative Apex Bank Limited
•Bank Of Baroda•Karnataka Vikas Grameena Bank•Bandhan Bank Limited•Laxmi Vilas Bank
•Dena Bank•Bank Of Maharashtra•Bank Of India•Maharashtra Gramin Bank
•Central Bank Of India•Mahanagar Cooperative Bank•City Union Bank Limited•The Mehsana Urban Cooperative Bank
•Canara Bank•Oriental Bank of Commerce•Corporation Bank•G P Parsik Bank
•The Cosmos Co Operative Bank Limited•Pragathi Krishna Gramin Bank•Catholic Syrian Bank Limited•Punjab And Sind Bank
•Development Bank of Singapore•Punjab National Bank•DCB Bank Limited•Paytm Payments Bank Ltd
•Deustche Bank•Ratnakar Bank Limited•Deutsche Bank (Bij Alle Sepa-Transacties)•Rajkot Nagrik Sahakari Bank Limited
•Dhanalakshmi Bank•State Bank of India•Equitas Small Finance Bank Limited•Standard Chartered Bank
•Federal Bank•South Indian Bank•Fino Payments Bank•The Surath Peoples Cooperative Bank Limited
•Fincare Small Finance Bank Ltd•Saraswat Cooperative Bank Limited•The Gujarat State Cooperative Bank Limited•Suryoday Small Finance Bank Limited
•Hasti Coop Bank Ltd•The Shamrao Vithal Cooperative Bank•HSBC Bank•Syndicate Bank
•IDBI Bank•The Thane Bharat Sahakari Bank Limited•ICICI Bank Limited•TJSB Sahakari Bank Limited
•IDFC Bank Limited•Tamilnad Mercantile Bank Limited•Indian Bank•The Tamil Nadu State Apex Cooperative Bank
•Indusind Bank•Union Bank Of India•Indian Overseas Bank•UCO Bank
•India Post Payment Bank•Ujjivan Small Finance Bank Limited•Jammu And Kashmir Bank Limited•Axis Bank
•Jio Payments Bank Limited•The Varachha Cooperative Bank Limited•Janakalyan Sahakari Bank Limited•Vijaya Bank
•Karur Vysya Bank•The Vishweshwar Sahakari Bank Limited•Vasai Vikas Sahakari Bank Limited•Yes Bank

Send limits using UPI

Currently, you can send up to 200,000 INR per transfer.

Steps to send money using a UPI through Western Union

Western Union is the first money transfer service company to use a UPI transfer internationally.

  1. Log in to your Western Union profile.
  2. Choose India as your receiving country (you will need to know your receiver’s mailing address).
  3. Choose to send using a bank pay out and use any payment method.
  4. Choose UPI ID under the bank information section. You’ll be able to browse all the banks enabled for international UPI transfer.
  5. Choose to send your transfer, and you’re all set. Generally, your transfer should be completed in minutes.
How do I find out if my money has been sent?

You can check your transfer status online any time after sending. All you need is your name and the tracking number (

) printed on your receipt.


How do I find out if a money transfer is available for pickup?

You can check your transfer status online . All you need is the sender’s name and the tracking number (MTCN) printed on the sender’s receipt.

How do I pick up a money transfer?

You can pick up your money at any agent location in Canada. You’ll need to complete a “To Receive Money” form and include the following information:

  • MTCN
  • Sender’s Name
  • Receiver’s Name
  • Expected Amount
  • MT Originating City and Country
  • MT Destination City and Country

Acceptable ID documents also are required.

Some restrictions may apply.

What are acceptable ID documents for picking up money?

Depending on the country the agent, or where the receiver picks up the money. Passports and national IDs are generally acceptable, but a driver’s licence might not be valid.

In some cases the receiver might also need to verify their current address with a document that proves their residency. Acceptable documents may include utility bills, T4 slips, insurance cards, and voter IDs.

Do exchange rates get calculated for international money transfers?

When you send money internationally, your receiver will be paid in their local currency. The exact amount will be calculated based on the exchange rate applicable at the time the transaction was sent. However, for transfers to certain countries, the exact amount will be calculated based on the exchange rate applicable at the time of receipt. Use Western Union’s currency exchange calculator to see how the exchange rate will affect your transfer.

How long does it take to send money online?

The duration of your money transfer depends on how you send it. Here are a few ways you can send money online using Western Union:

  • Money in minutes:

If your money is needed within minutes, you can make a transfer online using your credit or debit card. Receivers can pick up cash at Western Union locations worldwide, depending on the hours of operation at their nearest location and other applicable restrictions. See Terms and Conditions for details.

If your receiver lives in a country where Western Union mobile money transfers are available, you can send money to their mobile phone in a matter of minutes. Make sure your receiver has activated a mobile wallet with one of our partner mobile operators in their country.

  • Money available within 3 banking days:

Direct-to-bank money transfers will generally be credited at the receiver’s bank account within three banking business days after the money is sent, subject to restrictions. See Terms and Conditions for details.


How much can I send online?

You can send up to 999 CAD online per day through the Western Union website.

How do I find a Western Union agent location?

Find a nearby agent location through our website or look for Western Union in your local telephone directory.

How do I send money to a mobile phone?

You can use the Western Union app to make transfers to mobile phones. Simply download the app onto your phone and log into your Western Union account to get started. The mobile app will also let you know which destination countries are available for mobile transfers and which mobile providers are applicable for transfers in your receiver’s country.


How do I send money to a bank account?

Can’t find what you’re looking for?

If you need to get in touch with Western Union, don’t hesitate to contact our Customer Care. You can also browse through the Western Union Help Site to find more answers to frequently asked questions.

Can’t find what you are looking for?

If you need to get in touch with Western Union, don’t hesitate to contact our Customer Care