Send money directly to bank accounts around the world

Whether you’re sending money to family around the corner or friends around the globe, Western Union makes it easy and reliable to transfer money to a bank account.

Be informed. Be aware. Protect yourself from fraud.
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We encrypt your transfers

We encrypt your transfers

We are committed to keeping your data secure

We are committed to keeping your data secure

How to send money to a bank account online

1

Sign up and verify your free profile

Log in or Sign up and verify your profile for free. You can verify your profile using your driver’s license, passport or government-issued ID.

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2

Choose the amount and destination

Enter the destination and the amount you’d like to send. Select ‘Bank account’ as the receive method.

 

3

Enter your receiver’s details

Enter your receiver’s bank account details to transfer money to their bank account.

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4

Select a secure payment method

Choose whether to pay with your credit/Visa debit card1, or with your bank account.

5

Confirm, send and track your transfer

Review and confirm. Your money is on its way! We’ll send you a confirmation email with the MTCN to track your money transfer online.

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Ready to send money?

More ways to send money to bank accounts

International money transfer services at your fingertips

Send money on the go or start a transfer and pay in-store.
Track your money transfer in real time.
Repeat transfers quickly to friends and family.
Download the app
4.7/5
4.2/5

Rating as of December 10, 2020.

Sign up to transfer money online today

Sign up now

Quick and easy sign up

It’s easy to start sending money online and in person today.

Track your transfer

You can easily track your transfer online or via our app using the MTCN.

Pay the way that works for you

Pay online using your bank account, credit/Visa debit card1 or cash in-store.

Convenient locations

Send money to a Western Union® agent location near your receiver.

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Relied on by customers globally

As a global leader in cross-border, cross-currency money movement, Western Union’s aim is to help grow economies and create a better world. You have the capability to send funds online, with our app or in person to billions of accounts worldwide. So, go ahead: send money with us and enjoy ease of use, reliable service and all the other benefits we have to offer.

We encrypt your transfers

We are committed to keeping your data secure

An easy, reliable way to transfer money worldwide

Send money with our online services, the Western Union® app or in person at an agent location to virtually anywhere in the world quickly and reliably.

Frequently Asked Questions about sending money to a bank account

How do I send money to a bank account online?

1. Log in or sign up and verify your free account. Click ‘Send now’ to start your transfer.
2. Enter the destination and amount you’d like to send. Transaction times vary per destination, but you’ll be able to see these as you make your selections.
3. Select ‘Bank account.’ You can select a past receiver or enter their bank account details.
The recipient information you’ll need varies by location, but the bank name is mandatory in most countries.
4. Pay with your credit/Visa debit card1.
5. We will send you a confirmation email with a tracking number of your transaction (MTCN).
You can share this number with your receiver to track the funds.

How do I transfer money from bank to bank?

1. Log in or sign up and verify your free account. Click ‘Send now’ to start your transfer.
2. Enter the destination and amount you’d like to send. Transaction times vary per destination, but you’ll be able to see these as you make your selections.
3. Select ‘Bank account.’ You can select a past receiver or enter your receiver’s bank account details. The recipient information you’ll need varies by location, but the bank name is mandatory in most countries.
4. Select ‘Bank account’ as your payment method.
5. We will send you a confirmation email with a tracking number of your transaction (MTCN). You can share this number with your receiver to track the funds.

How do I send money to a bank account with the Western Union® app?

o1. If you already have the Western Union® app, log in with Touch ID or your credentials.
If you don’t have our app yet, simply download it on the Apple App Store or Google Play Store. New users can follow the steps to sign up with an email address. You can verify your profile using your driver’s license, passport or government-issued ID.
2. Start a transfer by entering the destination country and the amount you’d like to send.
Choose the payout method that works for you: directly to a bank account, for cash pickup or to a mobile wallet4 based on your receiver’s country. Then, enter your receiver’s details.
3. Pay for your money transfer via credit/Visa debit card1 or with your bank account.
4. We’ll provide the tracking number for your transaction (MTCN). Share this number with your receiver to track the funds. If sending to a mobile wallet, you and your receiver will get a confirmation alert via text notification when the money is delivered.

Learn more

In what countries can I send money directly to a bank account?

See below for a list of countries where you can send direct to bank.

See bank account transfer details

What is an IBAN?

IBAN stands for International Bank Account Number. An IBAN is a number attached to all accounts in European bank accounts. It is made up of:
• A code that identifies the country the account belongs to
• The account holder’s bank
• The account number itself

Where can I find the IBAN?

You can find the IBAN on your receiver’s bank account statement or in the bank’s online system.

Example of an IBAN structure of a German bank:
DE89370400440532013000

What is a BIC?

BIC stands for Bank Identifier Code. This is a unique identification code for a bank that is made up of 8 or 11 characters.

Where can I find the BIC?

You can find the BIC via a search online here: http://www.ifsccodebank.com/
You can also find the BIC printed on the receiver’s cheque or bank statement or by asking the receiver’s bank.
Example of a BIC for Deutsche Bank in Berlin:
DEUTDEBBXXX

What is an IFSC?

IFSC stands for Indian Financial System Code. This is an 11-character code used to uniquely identify every bank branch.

Where can I find the IFSC?

A bank transfer is when money is sent from one bank account to another. “Bank transfer” is typically a general term that covers a range of money transfers, including cash transfer, online money transfer and more.

What is a BSB?

BSB stands for Bank State Branch. It is a 6-digit number that identifies banks and branches in Australia.

Where can I find the BSB?

You can find the BSB on the bank’s website or on the receiver’s bank statement.

Example of BSB for Commonwealth Bank in Australia:
060987

What is a CLABE number?

CLABE stands for Clave Bancaria Estandarizada and is an 18-digit number that identifies individual bank accounts in Mexico.

Where can I find the CLABE number?

On the receiver’s bank statement.

What is a sort code?

A sort code is a 6-digit code that identifies a bank, used in Britain & Ireland.

Example code for Bank of England:
101079

Still have questions about sending money to a bank account?

Contact our Customer Care team or visit our FAQ page for more information.

1 If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply. To avoid these fees or for reduced fees, use a debit card or check other payment methods.

2 Network data as of 12/31/20.

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 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. Funds availability subject to terms and conditions of service. See Mobile Form for Restrictions.