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Send money for a 0 HKD transfer fee1 with Tap & Go

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$0 fee

Pay for online money transfers with a bank transfer or Tap & Go mobile wallet.

How to send money with Tap & Go mobile wallet

Simply follow these steps to get started:

Create your Tap & Go account

1
Download Tap & Go app.

- Get the app on your phone from the App Store if you are using an iOS device, or from Google Play Store if using Android.

2
Choose your Tap & Go account type

Your aggregated balance limit is based on the account type. Choose one from the below

Type A
- Without any ID supporting documents, your Tap & Go aggregated account balance limit is 3,000 HKD.
Type B
- For a balance limit of 100,000 HKD, you need to upload your ID document.
Type C
- For a balance limit of 200,000 HKD, you need to upload your ID document and a proof of address.

Create a Western Union profile

1
Download the Western Union app

- Get the app on your phone.

2
Register

Register to create your profile. Please note, that:
- You may send up to 7,500 HKD without verifying your identity.
- For transfers greater than 7,500 HKD and up to 15,000 HKD, you need to upload your ID documents and a proof of address.

Start your money transfer on Western Union app

1
Log in to the Western Union app

- Access your Western Union app and log in.

2
Select

- Destination country
- Amount you’d like to send
- Payout method: cash or bank account
- Tap & Go wallet as your money transfer option

3
Add your receiver details

- Select your existing receiver or add a new one and fill in their details2:
- Name
- Address
- Bank name and account number

4
Review the details and proceed to Tap & Go

- Review the information you entered and confirm. After that, select “Finish”. You will then be redirected to Tap & Go wallet.

Finish it on Tap & Go

1
Enter PIN

- Enter your PIN code in the Tap & Go wallet.

2
Return to review your receipt

- Select Return to Merchant/Org. App to review your receipt.
- You will also receive a copy by email.

3
Share MTCN details with your receiver

- Share the MTCN with your receiver. They will need MTCN and their ID to pick up cash transfers.


How much can you send with Tap & Go wallet?

With a verified ID document and proof of address, you can transfer up to 15,000 HKD.

If the supporting ID document is not provided, you can send up to 3,000 HKD.

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Need help?

Visit our FAQs or get in touch. Our Customer Care is just a call or an email away

For any Tap & Go app related matters, such as registration, PIN issue, or wallet balance, contact Tap & Go Customer Service at:
2888 0000

If money has been deducted from the wallet and your receiver did not receive it after the expected time, please call Western Union Customer Care at the toll-free number:
21179088

Available daily
English, Bahasa, Tagalog: 8 am to 9 pm
Cantonese: 8 am to 8 pm
Mandarin: 8 am to 11 pm

Find more options at contact us page. Be sure to provide the tracking number (MTCN) of your transfer. You can find the MTCN in your profile’s History page on westernunion.com, on our app, or on the email receipt that we sent you.

Go to FAQs

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

2 Please use care when providing bank account information. Funds will be paid into the bank account corresponding to the account number you provide.