FAQ Send Money Online

How do I send money online in Japan?

You can send money online using the Western Union app or through WU.com

Create your online profile and start a money transfer. You may send up to 100,000 JPY per transfer once your profile is verified. You will need to provide your My Number information including first name, last name, address and date of birth, as well as country of birth, occupation, phone number, and purpose of transfer. If you are a resident foreigner, you will need to submit details of your Residence Card as well as the My Number card. Do ensure that the personal information you provide matches that of your identity document.

You will also need to upload a scan of the following identity documents:

Japanese residents:

1. Japanese passport or driving license
2. My Number Card or Juminhyo with My Number (issued within the last 6 months)

Foreign residents:

1. Residence Card
2. My Number Card or Juminhyo with My Number (issued within the last 6 months)

Once you have submitted this information, we will verify your identity. Your first money transfer will be completed when the identity verification is done. You will also receive an email notification. For the next online money transfer, you will need to verify your postal address with a 4-digit PIN that will be sent to the address you provided. Once you have verified your profile via PIN, you will be able to send money online up to 100,000 JPY per transfer, with a maximum of 3 transfers within a 24 hours period.

If you have any questions while registering, please call Westernunion.com Customer Care at 0034-800-400-733 (toll-free from Japan) or +61-2-9226-9554 if calling from overseas. You can also send an email to JapanEnglish.customer@westernunion.com for support in English, or to Japan.Customer@westernunion.com for support in Japanese.

Learn more about how to send money online

How do I verify my profile or complete my identity verification?

Once you create a profile on Westernunion.com, you will be able to start a money transfer online. The money transfer will only be completed after your ID information is verified.

The verification process has 2 steps:

(1) Identity verification

When you start your first online money transfer, the details you provided during registration, including your first name, last name, address, date of birth, and nationality will be checked against your identity document.

You will also need to upload a scan of the following ID documents:

Japanese residents:

1. Japanese passport or driving license
2. My Number Card or Juminhyo with My Number (issued within the last 6 months)

Foreign residents:

1. Residence Card
2. My Number Card or Juminhyo with My Number (issued within the last 6 months)

If your profile details match your ID details, your profile will be marked as verified.

Once you have submitted this information, we will verify your identity. Your first money transfer will be completed when the identity verification is completed. You will also receive an email notification.

(2) Address verification

For the next online money transfer, you will need to verify your postal address with a 4-digit PIN that will be sent to the address you provided. Once you have verified your profile via PIN, you will be able to send money online up to 100,000 JPY per transfer, with a maximum of 3 transfers within a 24 hours period.

If you have any questions while registering, please call Westernunion.com Customer Care at 0034-800-400-733 (toll-free from Japan) or +61-2-9226-9554 if calling from overseas. You can also send an email to JapanEnglish.customer@westernunion.com for support in English, or to Japan.Customer@westernunion.com for support in Japanese.

Learn more about how to send money online.

Why do I need to submit My Number information?

My Number is collected for tax purposes and in accordance with tax regulations. This information needs to be collected and verified only once, before your first online money transfer can be completed, and will be stored in accordance with the Personal Data Protection Act.

If you are a Japanese resident, your My Number card is accepted as a valid document for ID verification.

Which countries and territories can I send money online?

You can send money for a cash pickup in more than 200 countries and territories, and even directly to your receiver’s bank account if the service is available. You can also transfer money to mobile wallets (eWallets) in select countries.

However, under the Foreign Exchange Law, money transfer to North Korea or any North Korean nationals overseas, is prohibited.

How do I pay for my money transfer online?

You can pay for your money transfer online through your personal internet banking account, or at an ATM.   

For more details, please call Westernunion.com Customer Care at 0034-800-400-733 (toll-free from Japan) or +61-2-9226-9554 if calling from overseas. You can also send an email to JapanEnglish.customer@westernunion.com for support in English, or to Japan.Customer@westernunion.com for support in Japanese.

How much money can I send online from Japan?

Once your profile has been created and verified, you will be able to send up to 100,000 JPY per transfer, with a maximum of 3 transfers within a 24-hour period. Do note that your address must also be verified to perform your next online money transfers.

If you wish to send more, you can visit an agent location.

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

You will receive an email confirmation with your money tracking control number (MTCN). If the identity verification fails, your transfer will be canceled, and you will be notified as well.

How can I cancel an online money transfer after it was sent?

An online money transfer can only be canceled if it has not been collected by the receiver in the destination country.

If you wish to cancel your money transfer, please call Westernunion.com Customer Care at 0034-800-400-733 (toll-free from Japan) or +61-2-9226-9554 if calling from overseas. You can also send an email to JapanEnglish.customer@westernunion.com for support in English, or to Japan.Customer@westernunion.com for support in Japanese.

Can I get a receipt for my online transfer?

Yes, a receipt will be sent to your email after the transfer is completed. You can also see the details of all your transfers under History in the Western Union app or on wu.com.

What is a Money Transfer Control Number (MTCN)?

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

Your receiver will need this number when they pick up their money, and it can also be used to track your transfer.

When can I request a refund?

You can request your transfer to be canceled and seek a refund if something goes wrong, or you change your mind or if the transfer could not be completed.

Please note that the transfer fee will not be refunded to you if the cancellation request is made by you. Cancellation fees will not be levied if the funds are not paid out to the receiver.

You will need to contact us to cancel your transfer within 14 days from making a transfer.

Call our Customer Care at 0034-800-400-733 (from Japan), +61-2-9226-9554 (from overseas), available in English 24/7 and Tagalog 24/7 and Japanese and Chinese 9am to 10pm. Please keep your MTCN handy when you call us. You can also email us at JapanEnglish.customer@westernunion.com or japan.customer@westernunion.com

A refund can be processed only if the money is not picked up by the receiver at a participating agent location.

For more information visit https://www.westernunion.com/jp/en/legal/terms-conditions-digital.html

When can I request a refund?

After you have canceled your money transfer with a Customer Care representative, you will need to find your nearest participating agent location.

Refund to bank account is currently not available in Japan. We are working towards making it available soon.

Find your nearest agent location in the Agent Locator

Visit the agent location during operation hours and carry with you a valid ID and MTCN to verify your identity and the refund amount.

It is advisable that you call the agent location before you visit to ensure that they have the required refund amount ready for you.

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.

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.