Make a bank transfer with Western Union

Send a bank transfer the way that works for you: online, with the app or from an agent location to billions of bank accounts around the world

Make a bank transfer the way that works for you

Whether you’re transferring money to a loved one in Argentina or a friend in Colombia, there are many ways to send money to a bank account with Western Union.

How to make a bank transfer

Register your account for free

Whether you’re online or on our app, simply log in to your profile. If you don’t have a profile, register now for free.


Enter the money transfer details

Enter your receiver’s country and the amount you’d like to send. Bank transfer service availability varies by destination, but you can check this in the send money form.

Enter your receiver’s bank details

Choose delivery “to a bank account” and select a past receiver or enter a new receiver’s bank account details. You may also need to enter the bank’s BIC code (Business Identifier Code) and IBAN (International Bank Account Number).


Pay and send

Complete your money transfer. We’ll email you the confirmation with a tracking number (MTCN), which you can share with your receiver.

Register to start sending money today

Quick and easy registration

It’s easy to register and start using our money transfer services.

Pay the way you like

Pay using your bank account, credit2 or debit card, or cash.

Track your transfer

Easily track your transfer online and with our app using the MTCN.

Convenient locations

Send money for cash pick-up at an agent location near your receiver.

International bank transfers, easily and reliably

Send a bank transfer virtually anywhere, 24/7 with Western Union.

Our customers made millions of transfers with Western Union last year—here’s why:

Speed and convenience

Send money for cash pick-up at an agent location in minutes3 with live tracking.

Commitment to security

Our encryption and fraud prevention efforts help protect your Western Union money transfers.

We're global

We can transfer money abroad to over 200 countries and territories.

Get rewarded with My WU

Earn points anytime you send money online, in person or with our app and get exclusive offers only for members. Learn more

Frequently Asked Questions about bank transfers

How can I make a bank transfer with Western Union?

Western Union’s Direct to Bank Account money transfer service offers senders an easy and convenient way to send funds directly to a receiver’s bank account.

How do I send money to a bank account?

Western Union allows you to conveniently send money from Spain to bank accounts around the world, whether domestically, to Latin American countries and beyond.

The process for sending money to a bank account varies depending on how you are sending the funds, where your receiver is located and how quickly you want the funds to get there.

You can visit the send money form to learn more about the specific details you will need to send money to bank accounts. Read our FAQs below for specific instructions.

How do I make a bank transfer online?

You can send funds to qualifying bank accounts using your credit2 or debit card or pay by bank transfer. Here’s how:

  1. Log in or register and verify your free account. Click ‘Send now’ to start your transfer.
  2. Enter the destination and choose the amount you’d like to send.
  3. Select ‘Bank account.’ You can select a past receiver or enter your receiver’s bank account details.
  4. Pay with your credit2 or debit card or by bank transfer.
  5. Review and confirm and your money is on the way. 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 make a bank transfer with the Western Union® app?

The Western Union® app lets you send money to a bank account from almost anywhere. Here’s how:

  1. 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 register with an email address. You can verify your profile using your driver’s license, passport or government-issued ID.
  2. Enter the destination and choose the amount you’d like to send.
  3. Select ‘Bank account.’ You can select a past receiver or enter your receiver’s bank account details.
  4. Pay for your money transfer via credit2 or debit card, or with your bank account.
  5. We’ll provide the tracking number for your transaction (MTCN). Share this number with your receiver to track the funds.

Learn more

What information is required to make a bank transfer?

The bank information required to send money directly to a bank account varies by country. In general, you will need to know:

  • Your receiver’s bank name
  • Your receiver’s bank code and bank account number
  • The amount and currency you wish to send
What is a bank code?

A bank code is a series of numbers used to identify banks worldwide. Bank codes can range from 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)
  • NCC (National Clearing Code)
  • BSC (Bank Sort Code)
  • IFSC (Indian Financial System Code)
What is a SWIFT/BIC code?

A SWIFT/BIC is a worldwide code for identifying banks. SWIFT and BIC are sometimes used interchangeably but represent the same thing. These codes are 8-11 digits long and sometimes needed when sending money.

What is an IBAN?

An IBAN (International Bank Account Number) 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 up to 35 characters for the bank account.
If you need an IBAN for your bank transfer, you should obtain this from your receiver.

Still have questions about bank transfers?

Visit our FAQs or simply get in touch. Our Customer Care team is just a call away. Contact us.

Fast money transfers at your fingertips

Send money, track money transfers, check exchange rates, and find agent locations with the fast and reliable Western Union® money transfer app.

Send money
Check exchange rates
Track a transfer
Find locations

Send money

Send money your way – for cash pick-up, to a bank account, or to a mobile wallet4. Save your receiver’s details and make repeat money transfers around the world.

Check exchange rates

Quickly check transfer fees5 and exchange rates with a few taps and send money on the go.

Track a transfer

Track a money transfer easily with your 10-digit Money Tracking Control Number (MTCN). Get notified when your receiver collects the funds.

Find locations

Find the nearest agent location or send money to any of the hundreds of thousand of agent locations around the world.

1 Agent location count valid as of September 30, 2021

2 If you are 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.

3 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional Restrictions may apply. See terms for details.

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.

5 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.