• Receiver
  • Payment
  • Review
  • Receipt

Frequently Asked Questions

FAQ Send money to a bank account

1. What is the Western Union® direct-to-bank account money transfer service?

The direct-to-bank account money transfer service offers senders an easy and convenient way to send funds directly to a receiver's bank account.

Learn more.

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2. What information is required from the sender to send a direct-to-bank account money transfer?

The bank information required to send a direct-to-bank account money transfer varies by country. In generally you will need to know:

Your receiver’s bank name. Your receiver’s bank code and bank account number. The amount and currency you want to send. You can refer to the direct-to-bank account - country information section to see specifically what details are required for each country.

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3. How can I send money to a bank account?

This service is available for certain countries. Usually, money is deposited into the receiver's bank account within 1 or 2 business days'. Money may be deposited on the same day or in up to 3 business days', depending on when and where it's sent.

After you have sent the money, ask your receiver to contact their bank or check their bank statement to verify the deposit.

Learn more about sending to a bank account.

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4. What's a bank code?

A bank code is a series of numbers used to identify banks around the world. The bank code can be 3-23 digits, depending on the country and the type of code.

A bank code may be known as:

  • BSB
  • SWIFT code
  • BIC (Bank Identification Code)
  • CHIPS (Clearing House Inter-Bank Payment System) — US and Canada only
  • NCC (National Clearing Code)
  • BSC (Bank Sort Code)
  • IFSC (Indian Financial System Code)

For some countries, you also may need an international bank account number (IBAN) in addition to the bank code.

You should obtain the bank code and IBAN (if applicable) from your receiver.

Learn more about sending money to a bank account.

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5. What's an IBAN code?

An IBAN is used in some countries to identify a customer's bank account. The IBAN is an alphabetical country code followed by 2 digits and then as many as 35 characters for the bank account. 

You should obtain the IBAN from your receiver.

Learn more about sending money to a bank account.

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6. What currencies are available for payouts?

Payouts will only be made in the local currency. Senders should ensure their receiver's bank account is a local currency account to avoid potential service delays or additional charges from the receiver's bank.

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7. How long will it take my money to get there?

Generally, it will take 1 or 2 business days'. The length of time varies based on where and when the money is sent.

Learn more about sending money to a bank account.

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8. How can I find out if my money has been sent?

You can use the transfer status service to track the status of any money transfer. All you need is the tracking number (MTCN) and the sender's name.

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9. What's a BIC code?

A BIC is a worldwide code for bank identification. The BIC is the same as the SWIFT code and is either 8 or 11 digits.

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