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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 receivers’ bank account.

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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 money to a bank account varies by country. Generally, you will need to know:

  • The amount in the local currency you wish to send (money transfers to a bank account can only be sent in local currency)
  • Your receiver’s full name (including middle name)
  • Your receiver’s bank name
  • Your receiver’s bank code and bank account number or the receiver's IBAN

The exact information required will be specified when you'll complete your money transfer.


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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 working days. Money may be deposited on the same day or in up to 3 working days, depending on when and where it's sent.

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

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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.

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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 35 characters for the bank account. 

You should obtain the IBAN from your receiver.

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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 bank working days. The length of time varies based on where and when the money is sent.

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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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