Frequently Asked Questions

Send money

Can I change my receiver’s name after completing my transfer?

You may only change 2 letters of the first or last name, not both. To do this, call Western Union Customer Care.

How can I add a new receiver?

Once you have started a transfer:   
  1. Choose Add a new receiver, or Add new receiver from phone contacts. 
  2. Fill out the form and Save.  

How can I send money with Western Union?

You can send money with Western Union:

 

Online using our website or the Western Union mobile app

To send your first money transfer1 with Western Union, create a profile on our mobile app or website.

  1. Log into your Western Union profile or register if you are a new user.
  2. Select Send money.
  3. Select the receiver’s country and enter the amount and currency.
  4. Select how your receiver would like to get the money:
    • Cash pickup
    • Bank account deposit
    • Mobile wallet  

5.       Choose your payment method2: 

    • Credit3 or debit card
    • Bank account
    • Cash at a Western Union location
    • Mobile wallet

6.       Review the transfer summary

7.       Select Submit.

 

Tips:

  • Service availability may be different for each receiver’s country4.
  • You can add or delete the details of your receivers in your profile.
  • You have the option to resend the same amount to your receivers.

 

At an agent location or in-store

If you want to send money in person, visit a Western Union agent location and pay via cash or a debit card5. 

If you want to send cash, you can still start your money transfer online with our pay in-store service to save time and then pay in cash at one of our agent locations. 

 

To pay in-store:

  1. Log into your Western Union account on westernunion.com or the Western Union app.
  2. Select Pay in-store.
  3. Go to a nearby agent location and provide your phone number and pay to complete the money transfer.

You can check the status of your money transfer using our Track a transfer service.

 

Superscripts:

1 You must be at least 18 years old to send or receive money with Western Union. 

2The payment and receiving methods are different for each country.

3Card-issuer cash advance fee and related interest charges may apply. Use a debit card to avoid these fees and charges.

4We might ask you to verify your identity depending on the service, send amount and the receiver country.

5 This service is available only at some agent locations.

 

Can I cancel a transfer?

You can cancel a transfer by contacting Western Union Customer Care. If you are eligible for a refund, it may take up to 7 business days.

How can I pay for my transfer?

If available, you can pay with the following:  
  • Credit *  or debit card
  • Your bank account using “Bank Transfer” service.
  • Through our banking partners such as Faster Payment, SOFORT, Trustly, iDeal etc.
*If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply. You can avoid these fees by using a debit card.

How do I know when my receiver got the money?

  1. Open the app.   
  2. Go to Menu.
  3. Select History.
  4. Select the transaction to see the status.
Or 
  1. Go to the Home menu. 
  2. Select Track a transfer.
You will need:
  • Tracking number (MTCN) AND
  • Sender’s first and last name OR
  • Receiver’s first and last name

How do I send money directly to my receiver’s bank account?

If that option is available for selected country and currency, you can use the bank transfer option.   

How do I send money to India with UPI?

About UPI
Unified Payment Interface (UPI) is a payment method that allows you to instantly transfer money to a bank account in India.

Understanding UPI ID
UPI ID is a virtual payment address (VPA) that uniquely identifies one person. A UPI ID format is like an email ID: with the sign “@” in the middle. For example, your receiver’s UPI ID could be “receiver’s_name@bank_name” or “phone_number@bank_name.”
When sending with a UPI ID, you only need to have your receiver’s UPI ID. You do not need to ask receivers for their account number, account type, bank name, or IFSC code.
To receive the payment, the receiver needs to have their UPI ID linked to the bank enabled for international UPI remittance. Please see below the list of banks that support international UPI.

Current list of banks that support international UPI transfer
Below are the banks currently supported. More banks will be made available soon.
ICICI Bank- ICIC
Axis Bank- UTIB
Bank of India- BKID
Andhra Bank- ANDB
Yes Bank- YESB
IndusInd Bank- INDB
UCO Bank- UCBA
Central Bank of India- CBIN
Bank of Baroda- BARB
Kotak Mahindra Bank- KKBK
State Bank of India- SBI
Allahabad Bank- ALLA
HSBC- HSBC
IDBI Bank Limited- IBKL
Oriental Bank of Commerce- ORBC
Punjab and Sind Bank- PSIB
RBL – RATN
South Indian Bank- SIBL

Send limits using UPI
Currently, you can send up to 200,000 INR per transfer.

Steps to send money using a UPI through Western Union
Western Union is the first money transfer service company to use a UPI transfer internationally.
1. Log in to your Western Union profile.
2. Choose India as your receiving country (you will need to know your receiver’s mailing address).
3. Choose to send using a bank pay out and use any payment method.
4. Choose UPI ID under the bank information section. You’ll be able to browse all the banks enabled for international UPI transfer.
5. Choose to send your transfer, and you’re all set. Generally, your transfer should be completed in minutes.

What does my receiver need to pick up their money?

If you choose cash pickup at a WU location, your receiver will need at least the tracking number (MTCN) and an acceptable form of ID. The agent location staff will inform you of any other pickup requirements.