Knowledge Center


Knowledge Can Protect You

You work hard for your money and you want a company you can rely on when it comes to sending your money to friends and family. That’s why we want to help you protect yourself from fraud. In this section, you’ll find informative tips and other useful material to stay informed and help reduce your chances of falling victim to scammers.


Money transfer never-evers

Lower your chances of falling victim to fraud by checking out these eight 
things you should never do when using a money transfer service.

  1. Never send money to people you haven't met in person.
  2. Never send money to pay for taxes or fees on lottery or prize winnings.
  3. Never use a test question as an additional security measure to protect your transaction.
  4. Never provide your banking information to people or businesses you don’t know.
  5. Never send money in advance to obtain a loan or credit card.
  6. Never send money for an emergency situation without verifying that it’s a real emergency.
  7. Never send funds from a check in your account until it officially clears—which can take weeks.
  8. Never send a money transfer to an individual for online purchases.

Learn more about different scam types


Fraud Awareness Brochures

You can learn more about how to help protect yourself from fraud by reviewing our fraud awareness brochures. Download and share them by email with friends and family.

Get tips on how to help protect yourself from fraud and our fraud hotline number to report if you have been a victim of fraud.

fa-US_EN_FraudBrochure_Final_2016_JPEG for Site

This brochure details key information about three common scams - Lottery/Prize Scam, Emergency/Grandparent Scam, Relationship Scam - and also offers tips you can use to help protect yourself from fraud.


Send-form Warning for Consumers

Read the fraud warnings and tips on the forms you fill out when sending money using our service. 

Protect Yourself from Fraud

Only use Western Union for sending money to friends and family.

Do not proceed with your money transfer if you have been asked to send money:

  • To an individual you have not met in person.
  • For an unconfirmed emergency situation.
  • For a purchase made online.
  • For anti-virus protection.
  • For a rental property deposit or payment.
  • To claim lottery or prize winnings.
  • To pay taxes.
  • For a charity donation.
  • For a mystery shopping assignment.
  • For an employment opportunity.
  • For a credit card or loan fee.
  • To resolve an immigration matter.
  • As payment for goods or services in response to a telemarketing sales call. It is illegal for any telemarketer to accept a money transfer from a U.S. consumer as payment for goods or services offered or sold through telemarketing.

Money transfers can be paid to the receiver quickly. After the money is paid, Western Union generally cannot provide a refund -- even if you are the victim of a scam.

If you believe that you are the victim of fraud, call the Western Union Fraud Hotline at 1-800-448-1492.

Download a pdf of the U.S. Send Money form

Think you've been scammed?


Report it. You can help us and, in the process, help others from getting scammed in the future.

Call our Fraud Hotline at

Forward suspicious emails to

File a fraud complaint

Report to authorities


Stay Informed

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