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Frequently asked questions

You can find the answers to many of your questions below. But if you still need to know more, do not hesitate to call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 a.m. to 9:00 p.m. Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-147-87211), or send an email to wu-indiacsc@westernunion.com .

Send money online

To send money online, you need to visit wu.com and create a profile. After your profile has been verified, you’ll be able to send funds directly to your receiver’s bank account.

To complete your first money transfer, please follow these steps:

  1. Log in or Register.
  2. Select destination country.
  3. Select the sending method.
  4. Add or select your receiver.
  5. Select a payout method.
  6. Read information about how to protect yourself from fraud.
  7. Review your transfer data and accept our terms and conditions of the service.

If you have any questions while registering, please call Western Union Customer Care toll free number at 1-800-102-7111 available from 8:00 a.m. to 8:00 p.m. Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-147-87211), or send an email to wu-indiacsc@westernunion.com.

There may be one or more reasons why we were unable to verify your ID:

  • The address you provided did not match what’s on your government-issued ID (Passport, Driver’s license, Aadhaar card or Voter ID card).
  • Your name did not match what is on your ID.
  • Your date of birth did not match what is on your ID.

If you are asked to verify your identity again, please make sure all the information you provide matches what’s on your ID and your WU profile.

Through wu.com India, you can send money to an individual. If you are sending money to your loved ones, you should provide your receiver’s full name, bank account number, bank name and bank routing number (SwiftBIC).

The countries you can send money through wu.com India are*: Andorra, Australia, Austria, Bahrain, Bangladesh, Belgium, Brazil, Bulgaria, Canada, Croatia, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Germany, Greece, Guatemala, Hungary, Indonesia, Ireland, Italy, Japan, Kenya, Lithuania, Luxembourg, Malaysia, Morocco, Netherlands, New Zealand, Nigeria, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Thailand, Turkey, United Kingdom, Vietnam, USA. Transfers within India are not available.

*Country list may change. Changes are subject to Western Union capability to undertake account payout.

You can pay for your money transfer online by using your bank account funds. Once you receive a receipt page or receipt email with money transfer details, follow the instructions:

  • You will be asked to open your bank Internet banking page.
  • If you are sending money for the first time - then add Western Union account as a beneficiary.
  • And do a money transfer to bank details on your receipt.

If you have any questions please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 a.m. to 9:00 p.m. Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-147-87211), or send an email to wu-indiacsc@westernunion.com.

You will have 72 hours after receiving your tracking number (MTCN) to send the funds, once that timeframe has expired, the transfer will be cancelled, and you’ll need to start a new one.

Once your verification is completed, you will be able to send online the INR equivalent of 10,000 USD per transfer for education, 5,000 USD per transfer for other purposes (including overseas medical treatment, examination fees, business travel) or up to 250,000 USD per financial year, which goes from April 1st to March 31st. This limit includes all transfers sent using any of the Western Union services.

Your online receipt along with the payment instructions will state that your transfer has been placed and that a payment is needed. After you complete a bank transfer you will get a confirmation email stating that your payment was completed.

Yes, a receipt will be sent to your email after the transfer is completed. You can also see the details of all your transfers in your profile history section on wu.com.

The Money Transfer Control Number (MTCN) is a unique number assigned to your transfer.

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Receive money

If your loved ones sent you money directly to your bank account, you don’t need to do anything, the money will be automatically deposited.* If your loved ones sent you money for pick up in person, please visit the nearest agent location.

* Timing of deposits and their availability are subject to the banking laws and regulations of India.

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You need to present any government-issued ID* to pick up money at a Western Union agent location in India. If your name has changed due to marriage or gazette notification, do not forget to bring your marriage certificate or Gazette notification indicating your change of name.

* Acceptable IDs are subject to the banking laws and regulations of India

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As per government requirement you can receive up to $2,500 USD (or its INR equivalent) per transfer.
Maximum cash payout for all Indian nationals is 50,000 INR; Payouts over 50,000 INR will be paid by local crossed cheque only. Under exceptional circumstances, foreign nationals with Tourist VISA could get over 50,000 INR in cash.
You can only receive a maximum of 30 transfers per year.

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All fees are paid by the sender. Receiving money is free of charge.

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Western Union services are for anyone who needs to send or receive money quickly. From travelers and people supporting friends or relatives abroad.

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You can check your transfer status online. All you need is the sender's name and the tracking number (MTCN – Money Transfer Control Number) found on the transfer's receipt.

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You can receive money within the operational hours of our agent locations. You can check the times of operation online.

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Registration

Registration is required for sending money abroad online from WU.com. After you open our wu.com website you’ll need to complete the profile registration form and follow these steps:

  • You will be asked to provide your full name, your complete Indian address (the same as on your government-issued ID), a phone number, email address, country of birth, date of birth, annual income, occupation, nationality and PAN number
  • Visit any Yes Bank branch near you with your PAN card and a proof of address to complete your one-time profile verification.
  • Once your profile is successfully confirmed, you will be able to send money online to a receiver’s bank account.

If you have any questions while registering, please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 a.m. to 9:00 p.m. Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-147-87211), or send an email to wu-indiacsc@westernunion.com.

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No, it’s free to register for our online services in India.

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Anyone who meet the following criteria can send money online through wu.com in India:

  • Residents with a valid PAN card and address proof.
  • You must be at least 18 years old.
  • You must accept our terms and conditions.
  • You must have a valid email address.
  • You must have a valid phone number.
  • You must have a bank account in India.
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You can only register once with your email ID.

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You can change or update your WU Profile information from the Profile overview tab after you log in to wu.com.

After your profile is verified you cannot change your name, last name, date of birth and nationality. If you need to change this information after your profile is verified, please contact Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 a.m. to 9:00 p.m. Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-147-87211), or send an email to wu-indiacsc@westernunion.com.

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Your username is your email address.

If you forgot your password, you can select the Forgot password option and a new password will be sent to your email.

If you repeatedly entered your details incorrectly and your profile gets locked, please try log back in to your profile after 30 minutes or contact Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 a.m. to 9:00 p.m. Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-147-87211), or send an email to wu-indiacsc@westernunion.com.

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You can change your password on the Profile Overview page after logging in. Please select Edit profile from the right-side menu and choose the change your password option.

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To delete your Western Union profile, please contact Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 a.m. to 9:00 p.m. Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-147-87211), or send an email to wu-indiacsc@westernunion.com.

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Identification process

Yes, before making your first online money transfer, you will need to verify your identity.

Once you have successfully registered online, you will be asked to visit any Yes Bank branch near you to verify your identity in person.

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It takes 1-2 working days to verify your identity.

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Please present a valid identification document along with your PAN card at any Yes Bank branch during your verification process.

Acceptable ID documents are: passport, voter ID card, driver’s licence or Aadhaar card.

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You can visit any Yes Bank branch nearest to you, to verify you profile in person.

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Consumer protection

Western Union values its business and takes pride in delivering your funds in the quickest and most reliable way possible. However, it is important that you protect yourself from fraudsters who are out to get your money. Below are some frequently asked questions about fraud. For more information, please visit the Fraud Awareness section here.

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Yes. Only use Western Union to send money to friends and family. Never send money to someone you have not met in person. Scammers sometimes encourage people to transfer money. Do not transfer money to anyone who asks you to send them money:

  • For an emergency situation you haven’t confirmed
  • For an online purchase
  • For anti‐virus protection
  • For a deposit or payment on a rental property
  • To claim lottery or prize winnings
  • To pay taxes
  • For a donation to charity
  • For a mystery shopping assignment
  • For a job opportunity
  • For a credit card or loan fee
  • To resolve an immigration matter

If you transfer money, the person you’re sending it to gets the money quickly. After the money is paid, Western Union may not be able to give you a refund, even if you are the victim of fraud, except under limited circumstances.

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If you receive an email from anyone claiming to be from Western Union and you are unsure about it, do not click on any links in the mail. This may be a phishing attempt to acquire sensitive information from you. Instead, immediately forward the suspicious mail to wu-indiacsc@westernunion.com Western Union will never send you e-mails to ask for your user ID, password, or credit card details.

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You should contact the Western Union Fraud Hotline at 1-800-102-7111 immediately for assistance with a transaction that you believe was sent for fraud. You should also file a report with your local law enforcement. You should also contact your government's Office of Consumer Affairs and police station if you are uncertain or suspicious of a telephone, mail, or e-mail solicitation.

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  • Always make sure you know who you are sending money to.
  • Discontinue a call if a caller coaches you to respond to questions asked by Western Union.
  • Security is everyone's responsibility. Stay informed. Keep abreast of new fraud trends.
  • Remember, if it seems too-good-to-be-true, it probably is.
  • Get more information about how to protect yourself from fraud.
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Western Union agent locations

They are our representatives in the different countries you need to send or receive money, they may be banks, post offices, supermarkets, grocery stores, check cashers, mailbox centers, drug stores, travel agencies, depots, airports, train and bus stations, currency exchange offices and other retailers.

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Finding an agent location in India is easy, just select our agent locator tool. (Link: to location finder)

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Money transfers from agent locations in India are not available.

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Each Western Union agent location determines its own hours of operation. Some have extended hours and open during weekends. Finding an agent location in India is easy, just select our agent locator tool.

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Money transfers will generally be paid in cash. Other restrictions may apply. Please contact a Western Union agent to get more information about restrictions or call Western Union’s Customer Care toll free number 1-800-102-7111 available from 9:00 am to 9:00 pm IST from Monday to Sunday, if calling from outside India, please dial +91-73-147-87211, or send an email to wu-indiacsc@westernunion.com.

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If you are interested of becoming one of our agents, please visit our become an agent information page .

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