Frequently Asked Questions

You can find the answers to many of your questions below.

But if you still need to know more, do not hesitate to call Westernunion.com Customer Care at +682 27707 (available from Monday to Friday: 8.30 am to 4.30 pm, Saturday: 8.30 am to 12.30 pm, Sunday: Closed), or send an email to jetsave@fexcopacific.com

Who uses Western Union money transfer services?

Anyone who needs to send or receive money quickly uses Western Union. These include people supporting friends or relatives abroad and travelers who need to make fast, international transfers.

Who are Western Union® agents?

Western Union agents are our representatives in the different countries you send or receive money, they may be banks, post offices, supermarkets, grocery stores, check cashers, mailbox centers, drug stores, travel agencies, depots, airports, train and bus stations, currency exchange offices and other retailers.

How can I find a Western Union® agent location in Cook Islands?

Finding an agent location in Cook Islands is easy, just use our online agent locator tool.

How do I send money from an agent location?

Once you get to our agent location, you will be asked to provide the following:

  • Your receiver’s first name and surname
  • The exact amount you wish to send
  • The country you are sending to
  • A valid government-issued ID
  • A proof of address

After presenting all that information you can give the agent the total amount including the applicable service fees. Your money then will be available in minutes to your receiver after the transfer is completed.

What documents can I use to send money in Cook Islands?

If you’re a resident of Cook Islands, you need to present any official government-issued ID such as: a valid Passport, Driver’s license, Firearms license.
If you’re not a resident of Cook Islands, you need to present any official government-issued ID such as: a passport, or a Driver’s license (issued in New Zealand or Australia).
Acceptable IDs are subject to the banking laws and regulations of Cook Islands.

How much money can I send from a Western Union agent location in Cook Islands?

You can send up to 10,000 NZD per transaction.
Additional documents will be required if you want to send over 10,000 NZD per transaction.

How are money transfers paid out to receivers?

Money transfers will generally be paid in cash. After you’ve chosen your destination country, you may ask the agent for the types of services available to you.

Other restrictions may apply. Please contact a Western Union agent to get more information about restrictions. You can also call Westernunion.com Customer Care at +682 27707 (available from Monday to Friday: 8.30 am to 4.30 pm, Saturday: 8.30 am to 12.30 pm, Sunday: Closed), or send an email to jetsave@fexcopacific.com

How can I know the status of my money transfer?

You can check your transfer status online. All you need is the sender’s or receiver’s name and the tracking number (MTCN – Money Transfer Control Number) printed on the receipt.

Can I send money at any time at an agent location?

Each Western Union agent location determines its own hours of operation. Some have extended hours and open during weekends. Find a nearby Western Union agent location click agent locator tool.

What documents can I use to pick up money in Cook Islands?

If you’re a resident of Cook Islands, you need to present any official government-issued ID such as: a valid Passport, Driver’s license, Firearms license.
If you’re not a resident of Cook Islands, you need to present any official government-issued ID such as: a passport, or a Driver’s license (issued in New Zealand or Australia).
Acceptable IDs are subject to the banking laws and regulations of Cook Islands.

How do I know if my money transfer has been received?

You can track your transfer online at wu.com. Type in the sender’s name and MTCN (Money Transfer Control Number). We will then update you on the status of your money transfer.

You can also call the Westernunion.com Customer Care at +682 27707 (available from Monday to Friday: 8.30 am to 4.30 pm, Saturday: 8.30 am to 12.30 pm, Sunday: Closed), or send an email to jetsave@fexcopacific.com

How do I pick up a money transfer?

You can pick up the money at any Western Union agent location. You’ll need to provide the following information:

  • Your name and address.
  • Your sender’s full name.
  • The country where the money was sent from.
  • The exact amount that was sent.
  • The tracking number ( MTCN – Money Transfer Control Number)

Acceptable IDs are also required.

For more information, you can contact the nearest Western Union agent. You can also call Westernunion.com Customer Care at +682 27707 (available from Monday to Friday: 8.30 am to 4.30 pm, Saturday: 8.30 am to 12.30 pm, Sunday: Closed), or send an email to jetsave@fexcopacific.com

How does a Western Union agent pay out money transfer?

Money transfers will generally be paid in cash. Other restrictions may apply. For more information, visit your nearest Western Union agent location. You can also call Westernunion.com Customer Care at +682 27707 (available from Monday to Friday: 8.30 am to 4.30 pm, Saturday: 8.30 am to 12.30 pm, Sunday: Closed), or send an email to jetsave@fexcopacific.com

How much does it cost to receive money?

All fees are paid by the sender.

Does Western Union need to confirm my identity?

Yes, before making your first online transfer, you will need to verify your profile. Once you have successfully registered online, you will be asked to visit the Jetsave agent location to verify your identity in-person.

How long will it take to confirm my identity?

After you present a valid government-issued ID and proof of address at the Jetsave agent location, you will receive a confirmation via SMS that your profile has been verified. If you need to send money before your verification is completed, please visit a Western Union agent location.

How do I provide my identification document?

Please present a valid identification document along with a proof of address at Jetsave agent location during your verification process.
Acceptable ID documents for Cook Islands residents are: Passport, Driver’s license, Firearms license.
Acceptable ID documents for non-residents are: Passport, Driver’s license (issued in New Zealand, or Australia).

Which branches can verify my profile in Cook Islands?

You can verify your profile by visiting:

Jetsave Cook Islands Limited, Main Road, Downtown Avarua, P.O. Box 40, Rarotonga, Cook Islands.

Western Union values its business and takes pride in delivering your funds in the quickest and most reliable way possible. However, it is important that you protect yourself from fraudsters who are out to get your money.

Below are some frequently asked questions about fraud. For more information, please visit the Fraud awareness section here.

Are there common fraud scenarios that I should be aware of and things I shouldn’t send my money for?

Yes. Only use Western Union to send money to friends and family. Never send money to someone you have not met in person. Scammers sometimes encourage people to transfer money. Do not transfer money to anyone who asks you to send them money:

  • For an emergency situation you haven’t confirmed.
  • For an online purchase.
  • For anti-virus protection.
  • For a deposit or payment on a rental property.
  • To claim lottery or prize winnings.
  • To pay taxes.
  • For a donation to charity.
  • For a mystery shopping asignment.
  • For a job opportunity.
  • For a credit card or loan fee.
  • To resolve an immigration matter.

If you transfer money, the person you’re sending it to gets the money quickly. After the money is paid, Western Union may not be able to give you a refund, even if you are the victim of fraud, except under limited circumstances.

Someone claiming to be from Western Union e-mailed me. What should I do?

If you receive an email from anyone claiming to be from Western Union and you are unsure about it, do not click on any links in the mail. This may be a “phishing” attempt to acquire sensitive information from you. Instead, immediately contact the Westernunion.com Customer Care at +682 27707 (available from Monday to Friday: 8.30 am to 4.30 pm, Saturday: 8.30 am to 12.30 pm, Sunday: Closed), or send an email to jetsave@fexcopacific.com

Western Union will never send you e-mails to ask for your user ID, password, or credit card details.

What is a Test Question? When is it used?

In some countries, senders are asked to provide a ‘Test Question’ and its answer when they initiate the transfer. In cases where a ‘Test Question’ was provided by the sender, the receiver may be required to give the answer when picking up the funds. The ‘Test Question’ feature is designed for emergency situations where the receiver still needs to provide proper identification. It should never be used as additional security or to delay payment. In many places, we’ll pay the receiver whenever the receiver shows proper identification, even if he/she does not know the answer to the question. Test question is not available for payout in Cook Islands.

Can the Test Question feature secure my funds or delay payment of a transaction?

The ‘Test Question’ feature is designed for emergency situations where the receiver still needs to provide proper identification. It should never be used as additional security or to delay payment. In many places, we’ll pay the receiver whenever the receiver shows proper identification, even if he/she does not know the answer to the question. Test question is not available for payout in Cook Islands.

What can I do if I suspect fraud or am a victim of fraud?

You should immediately visit our agent location for assistance with a transaction that you believe was sent for fraud. You should also file a report with your local law enforcement. You should also contact your government’s Office of Consumer Affairs and police station if you are uncertain or suspicious of a telephone, mail, or e-mail solicitation.

What additional tips should I keep in mind?
  • Always make sure you know who you are sending money to.
  • Discontinue a call if a caller coaches you to respond to questions asked by Western Union.
  • Security is everyone’s responsibility. Stay informed. Keep abreast of new fraud trends.
  • Remember, if it seems too-good-to-be-true, it probably is.
  • For more information about how to protect yourself from fraud, click here.

1 Local restrictions in some countries, allow exchange rates to be fixed only when collected.