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Frequently Asked Questions

If you need to know more about westernunion.com services, do not hesitate to call our Customer Care at 18 777 81, or write an email to wu.support@amankuwait.com. For other Western Union services, please contact us at 220 225 33.

Send money online

You can send money online using Western Union website or WU app. You can send money from your Kuwait-issued debit card to cash at an agent location or directly to a bank account in listed countries.
Learn more about how to send money online.

Your money will be available to pick up in minutes1, if you wish that your receiver gets it in cash. If you send to a Bank account, see the timelines and the conditions here1,2. The duration of money transfers to a Bank account varies up to 5 working days. Online services are available 24/7 all year round. Receivers can pick up their money transfers in cash at Western Union locations worldwide, depending on the hours of operation at the selected location.

1Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply.

2The money will be released only if the payment is received between 9:00 a.m. and 3:30 p.m. during the bank’s working days; Any transfers done outside that timeframe will be only released on the next working day.

Please find list of countries you can send money online from Kuwait.
Transfers within Kuwait are also available.

You can pay with your debit card issued in Kuwait.
If you wish to find out more about the options to pay for your online money transfer, please call our Customer Care toll free number at 18 777 81, or send an email to wu.support@amankuwait.com.

After your profile is verified, you can send up to 1,500.00 KWD per transfer.

Your online receipt will show if your transfer has been approved. When the transfer is complete, you'll get an email with your tracking number (MTCN). If your transfer is on hold you might be contacted for more information.
If your transfer is rejected you may call Western Union Customer Care number at 18 777 81, or send an email to wu.support@amankuwait.com.

A transfer can only be cancelled if the money hasn’t been deposited into your receiver’s bank account or collected by the receiver in the destination country.

If you wish to cancel your money transfer, please call our Western Union Customer Care number at 18 777 81, or send an email to wu.support@amankuwait.com.

A receipt will be sent to your email after the transfer is completed. You can also review the details of all your previous transfers in your profile.

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COVID-19

Western Union continues to monitor the COVID-19 (Coronavirus) developments closely. Our primary concern is the safety of our customers and employees, as well as the well-being of those impacted. Here, you can find answers to questions that you might have about how our services may change during this time. We will keep this information updated as the situation develops.

  • Yes, we continue to serve our customers and operate globally. Given the current situation, we encourage those in affected areas to send or receive money using our mobile app, or westernunion.com.

  • Please note that our agent locations in areas with a high concentration of COVID-19 outbreaks may close their businesses temporarily or may have updated operating hours. Be sure to check our agent locator for current hours of operation. You should also consider calling before visiting to confirm availability of services and open hours.

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We are sorry for the inconvenience. Given the ever-changing situation, we recommend those experiencing local restrictions due to COVID-19 visit westernunion.com or use our mobile app to send transfers for payout directly to a bank account or a digital wallet.

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Your transfer will be available for 30 days. After this time, your sender will have to contact our Customer Care to restart the transfer or cancel the transfer for refund.

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For security reasons, only the designated receiver can pick up a transfer. However, you can ask your sender to contact our Customer Care to cancel that transfer and start a new one. Your sender can then transfer money online directly to a bank account or a mobile wallet, if available.

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Please be aware of the risk of fraud and phishing, especially during this time, and take extra caution when sending money:

  • Don’t send money for loan or credit card fees, customs, or shipping fees.

  • Don’t send money to someone you haven’t met in person.

  • Be suspicious of businesses without a verified street address.

  • Don’t pay for an item or service with a money transfer to an individual.

  • Be suspicious about transferring money for charity and ask a representative for an ID.

  • Think twice before sharing your financial information.

Please visit our Fraud awareness page to learn more and check current Coronavirus-related online scams.

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We have no reason to believe that banknotes are more likely to spread viruses like Coronavirus than any other surface. The guidance from the World Health Organization remains that basic hygiene is the best possible defense against Coronavirus.

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Western Union and the Western Union Foundation launched a $1M USD global appeal and is accepting donations through May 15th Western Union and the Western Union Foundation will match up to $500,000 USD in donations to go toward supplies, equipment, and frontline medical aid. Donate here.

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  • Our goal is to keep our digital and retail services operational across the world, while abiding by local regulations and guidelines.

  • We are constantly improving our services, such as adding new ways to speed up the ID verification process and offering a home delivery feature in some countries.

  • Given the ever-changing situation, we recommend those experiencing local restrictions due to COVID-19 visit westernunion.com or use our mobile app to send transfers for payout directly to a bank account or a digital wallet. This service is currently available in more than 100 countries.

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Send money to a bank account from Kuwait

Yes, the Western Union "direct to bank account" service is an easy and convenient way to send funds directly to a receiver’s bank account in select countries

Select our Direct to Bank Account country information tool to see which countries have this service available. There you’ll find all the necessary information to complete a transfer directly to a bank account; for example, you can find out how long will it takes for the money to be available into your receiver’s bank account depending on the destination country.

Just choose sending to a Bank Account as the payout method, when you send money online or at an agent location. You’ll need to provide the receiver’s bank account information. The requirements varies from country to country, but usually include:

  • • Your receiver’s bank name and code
  • • The account’s name and number

Select our Direct to Bank Account country information tool to see which countries have this service available and what information you will need.

A bank code is a series of numbers used to identify banks around the world. They can have between 3 and 23 digits depending on the bank and the country.

A bank code could be also called:

  • • BSB
  • • SWIFT Code
  • • BIC (Bank Identification Code)
  • • CHIPS (Clearing House Inter-Bank Payment System) – US and Canada only
  • • NCC (National Clearing Code)
  • • BSC (Bank Sort Code)
  • • IFSC (Indian Financial System Code)

For some countries you may need an International Bank Account Number (IBAN) in addition to the bank code.

Ask your receiver for the bank code and IBAN (if applicable). You can refer to our Direct to Bank Account country information to see what details are required for each country.

A Bank Identification Code (BIC) is used to identify banks worldwide. BIC is the same as a SWIFT code. It consists of either 8 or 11 digits.

Ask your receiver if BIC is required in their country—you can check our Direct to Bank Account country information for more details.

An International Bank Account Number (IBAN) is a code used in some countries to identify a customer’s bank account. The IBAN has a letter to identify the country followed by 2 digits, and then up to 35 characters for the bank account number. Some countries require that payment sent from Australia must include the IBAN.

You can refer to our Direct to Bank Account country information to see what details are needed for each country. Ask your receiver for the IBAN if it’s required.

The time for "Direct to Bank Account" money transfers varies from country to country and can take up to 5 days. For more details, please refer to our Direct to Bank Account country information.

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Send money in person

Western Union’s services are for anyone who needs to send or receive money quickly. From travelers and people supporting friends or relatives abroad, to business’ people who need to make faster international transfers.

They are our representatives who will help you to send or receive money. It could be banks, post offices, supermarkets, grocery stores, mailbox centers, drug stores, travel agencies, depots, airports, train and bus stations, currency exchange offices and other retailers.

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You can easily locate a Western Union agent location online. Simply use our agent locator for this.

Any time after the money has been sent, you can check your transfer status online. All you need is your name and the tracking number (tracking number, also known as MTCN) printed on your receipt.

Each Western Union agent location has its own hours of operation.

Find a nearby Western Union agent location.

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Receive money

Currently it is not available to receive money online. See other options in the Receive money page.

Simply check the status of your money transfer. You will need to type in the sender's name and the
tracking number (MTCN).
Or call our Customer Care toll free number at 18 777 81.

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You can pick up your money at any Western Union agent location. You'll need to provide the following information:

  • • The tracking number (MTCN)
  • • The expected amount
  • • Sender's full name
  • • Sender’s country
  • • Acceptable ID documents are also required

Some restrictions may apply.

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Individuals must present their valid Kuwait Civil ID for money pick up at a Western Union agent location. Acceptable IDs are subject to the Central Bank of the Kuwait rules and regulations.

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

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WU mobile app - Kuwait

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Yes, and it's available for iOS and Android mobile devices in Kuwait.

Use our mobile app to:

1Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

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There’s no fee to download the app or to access the app from your mobile phone. However, mobile phone data access and calling charges will apply. Please contact your mobile phone network provider for the details.

Please note that Western Union® money transfer fees1 will apply if you send money using the mobile app.

1Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

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You can download the app from the App Store and from Google Play for iOS and Android devices.

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Yes. Existing online customers can use their login details to send money with the app.

New customers can register directly on the app for free. You will need to complete an identification verification before you can send money using the app.

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If you are an existing online customer, you can use your existing log in detail to access your profile on the mobile app.

New customers can register on the app in just a few minutes. You will need to verify your profile to send money online.

After you register with the Western Union mobile app or at westernunion.com, you will need to verify your profile. To complete this step please follow instructions below:

  1. First, verify your email address following the verification link sent to your email after registering with the Western Union mobile app or at westernunion.com.
  2. Take a photo of both sides of your valid Kuwaiti Civil ID, which you used for registration with the Western Union mobile app or at westernunion.com.
  3. Take a clear selfie video of yourself, holding your original Kuwaiti Civil ID and saying the following text:
    “I, Mr./Ms./Mrs. (Your name), holder of Civil ID No. (Your Civil ID No.) and having mobile Tel. No. (Your mobile Tel. No.), hereby request Aman Exchange Customer Care to register myself for using the Western Union remittance service for (please provide your reason for creating the profile).”
    Please make sure that your ID is clearly visible/readable within the selfie video.
  4. Upload the above documents to Aman Exchange Portal.
  5. After a successful verification, you will receive a confirmation by email. Once you receive the confirmation email, you can start using Western Union Online Money Transfer Services immediately.

Learn more about sending money online.

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Simply use your existing online login. New customers can register directly on the app or register for free online first.

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Find out more about the Western Union® app. If you have questions that are not answered here, please contact us or read our FAQ.


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Registration

Yes, to send money you need to be registered. Once you have successfully registered on westernunion.com, you will need to verify your profile. Please note that you can choose between the following verification methods:

- Online verification through the Aman Exchange Portal

- In-person verification at an Aman Exchange branch

After your profile is verified, you can start using Western Union Online Money Transfer Services immediately.

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No, it’s free of charge.

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Anyone who meets the following requirements can register and Western Union International money transfer service.

  • • Must have a valid Kuwait Civil ID.
  • • Must be of at least 18 years old on the date of application.
  • • Must accept our Western Union Terms and Conditions.
  • • Must have a valid email address.
  • • Must have a valid Kuwait issued debit card and reside in Kuwait.
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Registration with a valid ID and a phone number is possible only once.

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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 identity is verified you cannot change your name, last name, date of birth, nationality, and ID number. If you wish to change this information after your identity is verified, please contact Western Union Customer Care number at 18 777 81 or send an email to wu.support@amankuwait.com.

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Identification Process

All senders must verify their profile to send money online. It is mandatory to collect and verify the following info:

  • - Name
  • - Full residential street address in Kuwait
  • - Mobile phone number
  • - Email address
  • - Country and date of birth
  • - ID details
  • - Nationality of all senders

After you register with the Western Union mobile app or at westernunion.com, you will need to verify your profile. Please note that you can choose between the following verification methods:

  1. - Online verification through the Aman Exchange Portal
  2. - In-person verification at an Aman Exchange branch
    1. After your profile is verified, you can start using Western Union Online Money Transfer Services immediately.

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After you present your Kuwait Civil ID at the nearest Aman Exchange location you will receive a confirmation by email. If you need to send money before your verification is completed, please visit a Western Union agent location.

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You can find all locations for physical verification here.

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If you forgot your User ID, please check your Kuwait Civil ID you used for online registration: ID number is your User ID.

If you forgot your password, you can select the “Forgot password” option for a new password to be sent to your phone.

If your profile is locked, please try to log in again after 30 minutes. Otherwise contact Western Union Customer Care number at 18 777 81 or send an email to wu.support@amankuwait.com.

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

For online registration, you can use only one email address. After you verify your email, it cannot be changed.

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Please contact Western Union Customer Care number at 18 777 81 or send an email to wu.support@amankuwait.com.

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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.

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.
  • • To pay for something in response to a telemarketing call. Telemarketers cannot sell you anything and take payment by money transfer. It’s illegal.

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.support@amankuwait.com.
Western Union will never send you e-mails to ask for your user ID, password, or credit card details.

In some countries, senders are asked to provide a ‘Test Question’ and its answer when they initiate the transfer. In cases where a ‘Test Question’ was provided by the sender, the receiver may be required to give the answer when picking up the funds. The 'Test Question' feature is designed for emergency situations where the receiver still needs to provide proper identification. It should never be used as additional security or to delay payment. In many places, we'll pay the receiver whenever the receiver shows proper identification, even if he/she does not know the answer to the question. Test question is not available for payout in Kuwait.

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Contact your government's Office of Consumer Affairs if you are uncertain or suspicious of a telephone, mail or email solicitation.

If you feel you have been the victim of fraud, you can contact your local police.

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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.

Learn more about fraud protection.

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Western Union agent locations

Western Union agent locations are independent businesses that provide money transfer services to their customers on behalf of Western Union. In Kuwait these are Exchange houses and Banks.

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Find an agent location near you using our agent locator tool.

You'll need to provide a valid identification document, transaction details, and pay the agent the amount you want to send, plus fees, in cash.

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Western Union agent locations offer the ability to send money worldwide using cash.

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You can usually send up to 7.500 USD per transfer. However, for certain amounts and transfers, you may be subject to provide additional information or documentation.

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My WU loyalty program

You can register for the My WU loyalty program in 2 ways:

  • By clicking the box “Enroll in My WU program” during your registration for online transfers on www.wu.com.
  • At cash counter while sending money from our agent locations.
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    My WU members are eligible to earn My WU points, redeem points for discounts on transfer fees, and get offers exclusively for members.

    Every 1 KWD transfer fee1 paid on a single qualifying transaction earns 10 My WU® points.

    Accumulate your My WU points and start redeeming them to save on your next transaction transfer fee.

    1Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice. Subject to applicable taxes (if any). How to redeem My WU points.

    To redeem your points, kindly visit https://www.westernunion.com/mywu/kw

    Points earning is effective from 2008 and all points earned are valid for 12 months from the start date of accumulation2.

    2My WU Rewards Program & points expiry is subject to review or change from time to time. Terms and Conditions apply where applicable.

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    You can find your My WU number:

    • • On your My WU profile page.
    • • Printed in the receipt of the transfer you registered to the program with.
    • • In the last transfer receipt (assuming your profile was looked up).

    By contacting Customer Care at 22-022-533, or by logging in to your My WU profile. It’s important for you to know your My WU number and keep it handy so that you can leverage the benefits of the program.

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    You should double check the data that you are using to log in (i.e. Last name + My WU number, or Last name + Email) and make sure they match the latest information that you have provided to Western Union. If you can’t validate or are unsure of the information provided to Western Union, you can call our Customer Care at 22-022-533 to retrieve or update the relevant data points, including your My WU number, email address and phone number. Using My WU number or email address (together with your last name) is the most reliable way to check your balance and/or redeem rewards.

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    Western Union is working hard to merge matching or duplicate profiles and reconcile point balances, contacts, etc. For a smooth experience, members are invited to merge their duplicate accounts (by calling our Customer Care at 22-022-533) and update their main profile, for the balance and reward redemption features to work as expected.

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    In this case you are using a non-unique lookup criteria such as phone number (together with your last name) and chances are that you have unintentionally:

    • • Registered more than once with the same phone number.
    • • Provided a wrong phone number.
    • • Provided a phone number that was somebody else’s.

    Best way to address these challenges is by contacting our Customer Care at 22-022-533 to make sure your profile is reflecting the most current information, including last name, email address and mobile phone number. Using My WU number or email address (together with your last name) is the most reliable way to check your balance and/or redeem rewards.

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    Start online, pay in store

    With the ‘Start online and pay in store’ service, you could get access to lower transfer fees compared to the transfer fees at an agent location. This is how it works:

    1. Go to wu.com.
    2. Register and create an online profile or log in, if you have already registered.
    3. Start a money transfer online (profile verification at the agent location is not required for ‘Start online and pay in store’ transfers).
    4. Choose “Pay cash in store” as the payment method.
    5. Visit one of Aman Exchange locations to pay for your transfer within 24 hours.
    6. An MTCN will be generated, and the money will be sent.

    You should then provide your receiver the MTCN, so that they can pick up the money.

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    When you start a money transfer at wu.com, the exchange rate available at that time will be the one that’s ‘locked in’ for 24 hours. Once you get to Aman Exchange location to pay the amount you wish to transfer, the exchange rate will be the same as it was available at the moment you started the transfer online.

    When you start a transfer on wu.com and visit one of Aman Exchange location to pay for your transfer, you do not need to fill in any forms. You save time and use the convenience of the service.

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    All countries you can send money to can also be found in the countries list on the ‘Send money’ page dropdown menu ‘Send money to’.

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    You can pay for your ‘Start online and pay in store’ transfer at any of Aman Exchange locations in Kuwait.

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    You will be asked to provide the following information to the agent, in order to complete the transfer:

    • • Your mobile phone number.
    • • The same government-issued ID you used to create your online profile.
    • • The complete amount plus the applicable fees.
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    Once you finish filling in the details for your transfer online, a confirmation screen will pop-up on your screen right away. After you visit one of Aman Exchange locations and pay for your transfer, you will be given a receipt with tracking number (MTCN) and the money will be sent. You should then provide your receiver the MTCN, so that he can pick up the money. When the transfer is complete, and the money is picked up by the receiver, you'll get an SMS or email confirmation.

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    A ‘Start online and pay in store’ transfer can only be cancelled if the money has not been collected by the receiver in the destination country. The transfer is automatically cancelled, if it’s not completed and funded within 24 hours.

    If you wish to cancel your online money transfer, please call our Western Union Customer Care at 18 777 81.

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    The receipt will be provided at Aman Exchange location after the transfer is completed.

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    The money tracking number (MTCN) is a unique number assigned to your transfer. When you start a transfer online, you will receive the MTCN at Aman Exchange locations.

    Your receiver will need this number to pick up their money. It can also be used to track your transfer. Do not share this number with anyone other than your intended receiver.

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