Frequently asked questions

What do I need to sign up for WU+?

Getting started is easy, all you need is to download the WU+ app, follow the instructions on the screen and have your photo ID Card/Passport and your tax information at hand. To open a WU+ account, you need to be above 18 years old and currently reside in the country where WU+ is available. We do not currently support US citizens or business accounts.

What if I am an existing customer?

You are one step ahead already! Simply download the WU+ app and use your existing username (email) & password and follow the instructions on the screen. Your account will become inactive once you become a WU+ customer, and will remain so as long as you are a WU+ customer.

How do I add money to my WU+ account?

You can add money to your WU+ account in a few different ways depending on your WU+ account level, the country you reside in and how quickly you want the money to arrive.

Money in minutes*
– Card: Use a 3rd party credit or debit card to add money to your account

– Cash : To add cash to your account, please visit a Western Union agent location in the country you have registered your account in

– Bank Transfer via SEPA Instant: Your WU+ accounts are SEPA Instant enabled. If a SEPA Instant transfer is sent to you, the money will be available in your account in seconds. 24/7, even after business hours or on weekends.

– Redirect an incoming Money Transfer: You can redirect a money transfer to be paid out in your WU+ account

– Klarna (only available in Germany): An online banking payment service that enables you to use e-banking to make quick and secure bank transfers

Money typically available in 1 or 2 days*
– Bank Transfer: Transfer money from another bank account to your WU+ account. You can also make this payment recurring, so you have one less thing to manage.

How can I send money from my WU+ account?

You can send money to another WU+ account, to a Western Union agent location for cash pick up, to a bank account, or to a mobile wallet account. Details on each are included below so you can pick the method that works best for you and your receiver.

WU+ Account: Sending money to another WU+ account is instant and fee-free** so tell your friends and family to open an account today. Once they have an account, you can add them as a contact and send money in a few taps.

Cash: Send money directly from your WU+ account for cash pick-up in minutes*** from over 600.000 Western Union agent locations around the world. Agent location count valid as of September 30, 2021.

Bank Account: Money can be sent directly to a bank accounts in 138 countries. Delivery timelines are dependent on the receiver’s country but money is generally available within a few days.

Mobile Wallet: If your receiver lives in a country where Western Union offers mobile money transfers, 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 the Western Union partner mobile operators in their country. Additional third party fees and interest charges may apply.

How can I spend the money in my WU+ account?

All WU+ account holders will get access to a free virtual Visa Platinum debit card for easy online shopping. Free physical Visa Platinum debit cards will be offered to standard WU+ account holders for a limited time (shipping fees may apply) and all WU+ Premium account holders will receive a free physical Visa Platinum debit card. Debit cards can be used for ATM withdrawals or for purchases at retail stores.

Visa Platinum debit cards come with a number of benefits services, including 24/7 emergency travel and medical assistance.

How can I save money and earn interest with WU+?

WU+ helps you make the most of your hard-earned money with easy goal settings and interest-bearing accounts. Users with WU+ Standard subscription can earn 1% on savings accounts up to 3000 EUR. Users with WU+ Premium can earn 3% on savings accounts up to 3.000 EUR.

WU+ Premium account members can set up to four goal-savings accounts with a set target to help you track towards your goals. WU+ Premium accounts members also have the option to add up to 5 additional currency accounts (must select from the 16 currently available currencies) so you can keep and manage your money in a way that works for you.

How can I get my 50 EUR Welcome Bonus?

New customers must open an account and make genuine purchases/transactions worth 300 € with the WU+ Visa Platinum debit card during the 30 days following account activation. Bonus may take up to 40 days from when it is earned to be credited to customer account. Offer limited to the first 25,000 customers that comply with the conditions. Offer valid until 11th November 2022. Maximum sign up bonus per customer is 50 €. If the customer has already received a referral bonus of 25 €, customer will receive additional 25 € to match the Welcome Bonus. Please get in touch with Customer support if you did not receive your bonus.

Can I refer a friend to join WU+?

Yes, and as a German customer, you and your friend will receive a 25 EUR bonus from Western Union directly to your WU+ accounts when the person you referred signs up, completes the onboarding, adds money (min 10 EUR) and enters your referral code in the rewards section in the app. You can refer up to 20 friends and get a bonus for each referral.

How do My WUSM Rewards work?

Earn 1 My WUSM point for every 1 EUR paid in Transfer Fees
Redeem your points for Transfer Fee discounts
Redeem your points to support causes across the globe
Take advantage of special promotions throughout the year
Your My WUSM number will be stored on WU+ to be used every time you make a money transfer

Learn more about My WUSM program – here.

Promotion interference

If the active Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties or failures, unauthorized intervention or fraud, vandalism, power failure, natural disasters, acts of God, civil unrest, strikes, infection by computer virus, bugs, tampering, unauthorized intervention, fraud, or any other causes beyond the control of the Promoter, which corrupt or affect the administration, security, fairness or integrity or proper conduct of this Promotion, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any Eligible Participant with prior DTI Approval (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate to give effect so far as reasonably possible to the original intent of this promotion.

Payment methods included in the active promotion

Deposit methods included in the promotion are bank transfers, funding with a credit or debit card, redirecting an MTCN to the account and Cash at an agent location. Excludes money movements between WU+ customers or within a WU+ account.

Purchases must be made in retail or e-commerce stores, and do not include account funding transactions, cash withdrawals or transactions for payments, currency exchange and money transfers.

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

*Standard delivery times. Longer processing may occur in exceptional cases. **Check our price list for details on number of free transfers and applicable fees thereafter. Western Union also makes money from currency exchange. Exchange rates are subject to change without notice. *** Funds availability subject to terms and conditions of service. Additional Restrictions may apply. See terms for details.