• Receiver
  • Payment
  • Review
  • Receipt

Western Union FAQ

FAQ: How to send money online

With so many ways to send money online from the U.K., Western Union has the online tools to make it easy, fast, and reliable.

How to send money online

Perhaps you want to transfer money online to help your grandparents in Brooklyn make some safety improvements in their flat. Maybe your sister in Auckland needs emergency cash to fix her car… again… Or, maybe you want to help a charity in Chile reach a fundraising goal. Whatever the case — when you’re wondering how to send or transfer money online, we’ve got the tools to make it happen.

Here is a convenient list of frequently asked questions about how to send or transfer money online. Browse to find answers to most of the things you need to know about the process of sending money from the U.K. to anywhere in the world.



1. How do I send money online?


You can send money online to a Western Union location for cash pickup, directly to your receiver's bank account, or to your receiver's mobile phone. After you've chosen your destination country, you'll see the types of services available.

Learn more about how to send money online.

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2. How long does it take to send money online?


Here are a few ways you can send money online using Western Union:

  • Money in minutes:

If your money is needed within minutes, you can send online using your credit or debit card. Receivers can pick up cash at Western Union locations worldwide, depending on the hours of operation at that location.

If your receiver lives in a country where we offer mobile money transfer, you can send money to their mobile phone in minutes. Make sure your receiver has activated a mobile wallet with one of our partner mobile operators in their country.

  • Money available in up to 2 days:

If you send money to a bank account, your money's generally available in up 2 days, depending on your receiver's country. Learn more about sending money to a bank account.

Please be informed that the delivery time specified on the send money page varies according to the corridor, payment method and payout method selected. It only estimates the time to deliver the money when the funds are received. It excludes the payment processing time.

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3. How do I pay?


Pay for your money transfer in the following ways.

  1. Card

    You can pay using your debit or credit card.

    Supported cards are: Visa, MasterCard, Maestro and Visa Electron. Please contact your bank to ensure your card is enrolled for secure authentication.

  2. Bank transfer on wu.com

    You can pay for your money transfer using your online bank account. Once you have entered your transfer details, you will be redirected to your online banking via Klarna, Trustly or iDeal depending on your country.

  3. Bank transfer from your account to Western Union

    Enter your transfer details on wu.com and log in to your online banking to pay for your transaction.

    1. Select bank transfer option

    2. Review and confirm your transfer. Your receipt with your transaction information, reference number and Western Union bank details will be shown to you and sent to your email address.

    3. Log in to your bank website/ mobile app. Use the beneficiary information on the receipt page and make the payment via bank transfer. (Please ensure the information you provide matches the information on your Western Union receipt.)

    4. Once Western Union receives your payment, a confirmation email will be sent to your email address.

After you've chosen your destination country, you'll see the types of services available to you.

For more details about online payments, please call Western Union customer care at 0808 234 9168 for UK residents only and +32-(0)2 639 7103 or email us at uk.customer@westernunion.co.uk.

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4. How do I send money to a bank account?


This service is available for certain countries. Usually, money is deposited into the receiver's bank account in 1 or 2 business days. Money may be deposited the same day or in as many as 3 business days, depending on when and where it's sent.

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

Learn more about sending to a bank account.

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5. How do I send money to a mobile phone?


If your receiver lives in a country where we offer this service, you can send money to their mobile phone—so they can get their money even more quickly and easily. Make sure your receiver has activated a mobile wallet with one of our partner mobile operators in their country.

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6. How much can I send online?


You may send up to 799.99 GBP from the United Kingdom and territories without any additional ID verification. If you would like to send more, we need to confirm your identity online. Once we have confirmed your ID, you’ll be able to send up to 4,000 GBP. For bank transfer (faster payment) to bank account payouts, you’ll be able to send up to 50,000 GBP per transfer depending on the selected country. Bank transfer is available for UK residents only. Additional limits may apply.

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7. Will my credit card charge a fee for sending money with Western Union?


Some card issuers may charge additional fees for using our services. Please contact your card issuer for more information.

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8. What is Verified by Visa® and MasterCard SecureCode®?


Verified by Visa® and MasterCard SecureCode® help prevent unauthorized online use of cards. These services use personal passwords or identity information and are available for most cards from participating financial institutions.

Once your card is activated, your card number will be recognized whenever it's used at participating online stores. A window will automatically appear, and your card issuer will ask for your password. You'll enter your password to verify your identity and complete your purchase.

If you haven't activated Verified by Visa® or MasterCard SecureCode,® your card can still be used on our site.

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9. How do I know if my online transfer's been approved?


Your online receipt will show whether your transfer was approved. If we need more information before we can complete it, we'll let you know. When the transfer's complete, you'll get an email with your tracking number (MTCN).

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10. How secure is my transaction?


Western Union uses the latest technology to ensure convenient and reliable online money transfers. We have upgraded our security standards to protect you from fraud when you pay online using a credit or debit card. This enhanced layer of security, aligned with the latest EU regulations and changes to security systems, helps card issuing banks to better identify and verify customers, allowing for convenient, smooth and reliable online transactions.

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11. What is Strong Customer Authentication (SCA)?


Strong Customer Authentication (SCA) is a requirement that payment service providers must apply as of 14 September 2019 as mandated by the EU’s Payment Services Directive (PSD). SCA requires service providers to use multi-factor authentication to verify online payments. To meet the SCA requirements, Western Union uses enhanced security to ensure your online transactions are convenient and reliable while also making your experience smoother and easier.

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What are my rights when making payments in Europe?


The electronic payments are becoming safer and more convenient for the residents of EU, Iceland, Norway and Liechtenstein. Learn more about your rights when making payments in Europe.

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13. What shall I do to ensure my payments are more secure?


Western Union uses Strong Customer Authentication (SCA) to secure online payments. To ensure the best experience when using Western Union, we ask our customers to consider the below:

  • Make sure your card is enrolled for secure authentication by either contacting your bank or logging on to your online banking and selecting the option from your security settings.

  • Ensure your contact information is up to date on your online banking and Western Union profile.

Please note, you can also pay for your money transfers via alternate payment options available for your country, including Klarna, Trustly, iDeal, Faster payment, Apple Pay and WU Pay. Your payment options will be shown to you when you start an online transfer.

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14. Why was my payment declined?


Your debit or credit card payment may be unsuccessful due to several reasons:

  1. By your bank

    Your bank may decline your payment due to:

    If your bank declines a payment while making a Western Union money transfer, you need to contact your bank or log in to your online banking to resolve the issue.

  2. By Western Union

    Western Union may decline your payment for the following reasons:

    • Exceeding the transfer limit set for the country you are sending money from.

    • To protect you from fraud or consumer scam.

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