Receive money your way in Spain

Q: What exchange rate does Western Union apply to my transfers?

Western Union calculates the exchange rate 2 based on commercially available interbank rates plus a margin. Most exchange rates 2 are adjusted several times a day in line with the relevant closing rates of global financial markets.

If you are going to receive money from abroad in Spain, you can withdraw the transfer amount at any of our agent locations. What’s more, depending on where you live, you can also pay it into a bank account¹.

We encrypt your transfers

We are committed to keeping your data secure

Receive money however suits you best

Whether it’s money for an urgent repair, a refund for a canceled flight or just a birthday present, with Western Union^® it’s easy to receive money from abroad or from Spain. If you’re looking for a secure way to receive international transfers, we give you the peace of mind of using a service trusted by millions of people around the world.

To learn how to receive transfers from abroad online or in person, here are some of the ways we can help.

Visit one of our agent locations
We have hundreds of thousands agent locations all around the world, so there is sure to be one near you. All you need to withdraw your money is a valid identity document and the tracking number.
Find locations
Receive money in your bank account¹
You can send money to thousands of bank accounts¹ around the world and receive international transfers into any account you want.
Learn more

Receive money from abroad today

Register for free

Register to start receiving international transfers. Simply enter your details and create a free profile via our website or from the app.

Receive money your way

You can receive money from abroad directly into your bank account¹ or you can withdraw it in cash at any of our agent locations.

Visit one of our agent locations

Collect your money from a branch near you at one of our 5400+ agent locations³ in Spain.

Track your transfer

You can track your transfer through our website or from the app with the Money Transfer Control Number (MTCN).

Why choose Western Union?

We take security very seriously

Our encryption and fraud prevention methods help protect all Western Union transfers that you send and receive.

We operate all over the world

Western Union offers digital services in over 70 countries, our mobile app is available in over 40 and we have hundreds of thousands agent locations across the globe.

Get rewards with the My WU^℠ program

With the My WU^℠ rewards program you can earn points every time you make a transfer, while you can also receive discounts on fees and enjoy special offers.

Track your money through the app

The sender can send you money quickly from the app or start a transfer in the app and then finish it at one of our agent locations by paying in person.

You can track your transfer in real time, whether you are sending or receiving money.

The sender can save your details and those of other family members and friends for fast repeat transfers.

Learn more

4.6/5

4.4/5

Rating as of 31 October, 2022.

Trusted by customers around the world

As specialists in international and multi-currency bank transfers, at Western Union^® we aim to encourage economic growth and create a better world by keeping you connected with the people who matter most to you.

You can receive money from abroad or from anywhere in Spain online, through our app or in person.

Track your transfers

When you send or receive money from abroad or from Spain with Western Union, you can track your money transfer at any point. Simply enter your transfer details and MTCN number in the Western Union^® app.

Frequently Asked Questions

If I receive money from abroad do I have to pay taxes?

You do not have to pay further taxes for receiving money from abroad in Spain but any transfer that exceeds certain limits must be declared to the relevant authorities.

How much money can you send to Spain from abroad without having to declare it?

In Spain, the maximum transfer amount, before having to declare it, is set at 10,000 €. If you receive a transfer over this amount, you must inform the Spanish Treasury by using the Tax Agency’s Model S1 form. The Treasury will also control any cash operations carried out with 500 € banknotes, as well as cash payments and pickups over 3000 €.

What exchange rate does Western Union apply to my transfers?

Western Union calculates the exchange rate² based on commercially available interbank rates plus a margin. Most exchange rates² are adjusted several times a day in line with the relevant closing rates of global financial markets.

Still have questions about how to receive money from abroad?

Contact our Customer Care team or visit our frequently asked questions section for more information.

More FAQs

¹ Funds may be delayed and some services may be unavailable depending on certain transaction conditions, including the amount sent, destination country, currency availability, regulatory issues, identification requirements, agent location hours, differences in time zones or as a result of selecting options with a delay. For mobile transactions 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. See the transfer form for restrictions.

² Western Union also makes money from currency exchange. When choosing a money transmitter, compare the transfer fees and exchange rates carefully. 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.

³ Agent location list updated December 31, 2021.