Frequently Asked Questions

FAQ / Send money online

Send money online

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.

•Abhyudaya Cooperative Bank Limited•Janata Sahakari Bank Limited•Airtel Payments Bank Limited•Jana Small Finance Bank Limited
•Andhra Bank•Karnataka Bank Limited•The Andhra Pradesh State Cooperative Bank Limited•Kalupur Commercial Cooperative Bank
•Andhra Pragathi Grameena Bank•Kalyan Janata Sahakari Bank•Andhra Pradesh Grameena Vikas Bank•Kotak Mahindra Bank Limited
•Apna Sahakari Bank Limited•Kerala Gramin Bank•Bassein Catholic Cooperative Bank Limited•The Karanataka State Cooperative Apex Bank Limited
•Bank Of Baroda•Karnataka Vikas Grameena Bank•Bandhan Bank Limited•Laxmi Vilas Bank
•Dena Bank•Bank Of Maharashtra•Bank Of India•Maharashtra Gramin Bank
•Central Bank Of India•Mahanagar Cooperative Bank•City Union Bank Limited•The Mehsana Urban Cooperative Bank
•Canara Bank•Oriental Bank of Commerce•Corporation Bank•G P Parsik Bank
•The Cosmos Co Operative Bank Limited•Pragathi Krishna Gramin Bank•Catholic Syrian Bank Limited•Punjab And Sind Bank
•Development Bank of Singapore•Punjab National Bank•DCB Bank Limited•Paytm Payments Bank Ltd
•Deustche Bank•Ratnakar Bank Limited•Deutsche Bank (Bij Alle Sepa-Transacties)•Rajkot Nagrik Sahakari Bank Limited
•Dhanalakshmi Bank•State Bank of India•Equitas Small Finance Bank Limited•Standard Chartered Bank
•Federal Bank•South Indian Bank•Fino Payments Bank•The Surath Peoples Cooperative Bank Limited
•Fincare Small Finance Bank Ltd•Saraswat Cooperative Bank Limited•The Gujarat State Cooperative Bank Limited•Suryoday Small Finance Bank Limited
•Hasti Coop Bank Ltd•The Shamrao Vithal Cooperative Bank•HSBC Bank•Syndicate Bank
•IDBI Bank•The Thane Bharat Sahakari Bank Limited•ICICI Bank Limited•TJSB Sahakari Bank Limited
•IDFC Bank Limited•Tamilnad Mercantile Bank Limited•Indian Bank•The Tamil Nadu State Apex Cooperative Bank
•Indusind Bank•Union Bank Of India•Indian Overseas Bank•UCO Bank
•India Post Payment Bank•Ujjivan Small Finance Bank Limited•Jammu And Kashmir Bank Limited•Axis Bank
•Jio Payments Bank Limited•The Varachha Cooperative Bank Limited•Janakalyan Sahakari Bank Limited•Vijaya Bank
•Karur Vysya Bank•The Vishweshwar Sahakari Bank Limited•Vasai Vikas Sahakari Bank Limited•Yes Bank


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.
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.

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 is 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.

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
    You can pay for your money transfer using your online bank account. After 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 and log in to your online banking to pay for your transfer.
    1. Select bank transfer option.
    2. Review and confirm your transfer. Your receipt with your transfer 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. After 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 you may send us a message via Chat by clicking in this “Chat link

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.

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.

How much can I send online?

To send more than 800 GBP from The United Kingdom, you’ll need to verify your identity online. Once verified, you can send up to 4000 GBP every 3 days with your credit card and 50,000 GBP through your bank.

Please note: Only UK residents can send bank transfers with Western Union.

*The total send amount may vary from country to country.

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.

What is Verified by Visa® and MasterCard SecureCode®?

Verified by Visa® and MasterCard SecureCode® help prevent unauthorised 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 recognised 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.

How do I know if my online transfer has been approved?

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

How secure is my transfer?

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 transfers.

What are my rights when transferring money in the European Union (EU)?

According to EU regulations, you have the right to easy, secure payments with no extra cost when you pay with a card issued in the EU1. You also have the right to a basic payment account if you are a legally residing in Europe. Learn more.

Why was my payment declined?

Your debit or credit card payment may be declined 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.
How many Alipay wallet transfers can I make in a month?

You can make up to 5 transfers to the same receiver on Alipay wallet within a 30-day period starting from the date of the first transfer. If it’s urgent, you can always choose a different payout method such as bank account or cash.

How do I set up Google Pay?

You’ll need to set up your Google Pay account to complete your transfers.

To set up your account, simply follow these steps:

  1. Download Google Pay on your android device.
  2. Select Get Started.
  3. Choose your preferred payment method.
  4. Enter and verify your card1

1 You can add up to 5 valid Mastercard or Visa debit, or credit cards.

How do I pay for my Western Union money transfer using Google Pay?

You can make faster payments using your Google Pay.

Note: First, you’ll need to set up your account.

Then to use Google Pay for your transfer, follow these steps:

  1. Select Google Pay as your payment method.
  2. Add your receiver’s details.
  3. Click on Pay with GPay on the review page.
  4. Choose a card linked with Google Pay.
  5. Continue to make the payment.

Note: Currently, this feature is only available on android devices and website.

Can’t find what you are looking for?

If you need to get in touch with Western Union, don’t hesitate to contact our Customer Care

1 Please note that you need to be a legal resident of the EU, Iceland, Norway, Liechtenstein, Switzerland, or the United Kingdom to be eligible for these rights.