* 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. Advertising message for promotional purpose. For money transfer terms and conditions please see terms available at locations.

** Agent location count valid as of December 31, 2018.

*** Funds generally take minutes to reach a recipient's bank account in Kotak Mahindara Bank, YES Bank, Union Bank of India, Federal Bank, Punjab National Bank, Bank of Baroda and ICICI Bank. Services and Funds may be delayed or services unavailable based on transaction conditions, including regulatory and foreign exchange issues, identification requirements, consumer protection issues, delivery restrictions, bank operating hours, banking and local holidays, and differences in time zones. Additional restrictions may apply Transaction limit is INR200,000 per transaction. Any transactions with a higher principal amount will be routed through the next day service. Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Restrictions may apply. See terms for details. The Reserve Bank of India Rules require payouts exceeding INR50,000 by way of bank cheque. Western Union also implements additional rules to protect customers and prevent use of the service outside permitted guidelines, including the payment of transactions exceeding INR 9,999/- by bank cheque if a family relationship cannot be clearly established based on available information.