Frequently Asked Questions

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

Western Union agents are our representatives in the different countries you 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.

You can easily find an agent location by using our agent locator tool.

Sending money in person is easy, simply follow these steps:

• Locate your nearest agent using our agent locator tool.
• Provide the agent with your government-issued ID or passport
• Provide the agent your receiver’s information
• Confirm the country you are sending to.

After presenting this information you can give the agent the total amount you want to send, including the applicable service fees. Remember to get the Money Transfer Control Number (MTCN) from your receipt and share it only with your receiver, they will need it to pick up the cash.

To send money from a Western Union agent location, you need to present a valid national ID for residents, residence permit for foreign residents or international passport for non-residents. Acceptable IDs are subject to the banking laws and regulations of Moldova.

Money transfers will generally be paid out in cash. After you’ve chosen your destination country, you may ask the agent for the types of services available to you. Other restrictions may apply. For more information, please contact a Western Union agent location.

You can track your transfer online. All you need is the sender’s or receiver’s name and the tracking number (MTCN – Money Transfer Control Number) printed on the receipt.

Each Western Union agent location determines its own hours of operation. Some have extended hours and open during weekends. Find a nearby Western Union agent location click agent locator tool.

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

You can use our country list to find out in which countries this service is available. You’ll also find all the necessary information to complete a transfer directly to a bank account. Please note that if a country you are sending to is considered a high-risk country in Moldova, a mandatory visit to Victoriabank agent location is required.

Simply select the direct to bank account service when sending money online or at an agent location. What you need to provide when selecting this service changes from country to country, but usually includes.

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

To find out which countries are available for the direct to bank service, please check the country list.

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 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 list to find out more.

A Bank Identification Code (BIC) is used to identify banks worldwide. BIC is the same as a SWIFT code, and it can be between 8 and 11 digits long.

Ask your receiver if a BIC is required in their country, you can also check our country list 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.

You can check our country list to see what details are needed for each country. Ask your receiver for the IBAN if it’s required.

Direct to bank account¹ money transfers can change from country to country and can take up to five days¹. For more details, please refer to our direct to bank account country list.

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

• Your full name
• The tracking number (MTCN – Money Transfer Control Number).
• The exact amount expected.
• Your sender’s full name.
• The country the money came from
• A valid government-issued ID.

A valid government-issued ID.

You’ll need to present a valid national ID for residents, residence permit for foreign residents or international passport for non-residents to pick up money at a Western Union agent location. Acceptable IDs are subject to the Banking laws and regulations of Moldova.

Simply, track a transfer online for up-to-date information on the latest status of your money transfer. You’ll need the sender’s name and Money Transfer Control Number (MTCN). You can also call Westernunion.com customer care center on +373 22 57 61 40 from 8:15 am to 5:15 pm during working days and +373 22 21 02 02 for 24-hour support in Romanian and Russian or email westernunion@vb.md.

Money transfers will generally be paid in cash. Other restrictions may apply. For more information, please visit your nearest Western Union agent location.

All applicable fees are paid by the sender. The receiver pays no transfer fees.

Registration is required for most of our services. When you visit >wu.com/md for the first time you’ll need to complete the profile registration form and follow these steps:

1. Enter your details (full name, mobile number etc.)
2. You will receive a one-time verification code to your mobile phone.
3. Fill in the online registration form with the following information: full name (including middle name if available), date and country of birth, citizenship, your full address, ID credentials (type, number, issuer, issue date and expiration date) and occupation. Check accepted IDs here.
   Please note if an expired ID is detected, you will be required to provide a new one. You will also be required to determine if you are a resident.
4. Once you have successfully registered online, you will be asked to accept the Terms of Profile creation for our online services.
5. After your profile is created, please check the online sending limits. If you need to send more than please verify your profile in person at one of the Victoriabank locations.

If you have any questions about an online registration process, please call Westernunion.com customer care center at +373 22 57 61 40 from 8:15 am to 5:15 pm during working days and +373 22 21 02 02 for 24-hour support in Romanian and Russian or email westernunion@vb.md.

No, it’s free of charge.

Anyone who meets the following criteria can use our online money transfer service.

• Must have a valid government issued ID.
• Must be at least 18 years old.
• Must accept the Terms and Conditions of Terms of profile creation and Online Privacy Statement for using our services.
• Moldova citizens should have a personal identification number / IDNP.
• Must have a credit or debit card issued in Moldova.
• Must have a valid phone number issued in Moldova.

Registration with a valid ID and phone number is possible only once.

Once you’re logged in you can easily change or update your wu.com profile by selecting the “Profile” tab, then select “Edit profile” from the menu on the right-hand side. If you have any questions about your profile, please contact Westernunion.com customer care by dialing +373 22 57 61 40 from 8:15 am to 5:15 pm during working days and +373 22 21 02 02 for 24-hour support in Romanian and Russian or email westernunion@vb.md.

Your user ID is your phone number, your password and one-time password that you receive to your phone number. If you have forgotten your password, you can select the “Forgot password” option and a new password will be sent to your phone number.
If you repeatedly enter incorrect details or your profile is locked, please try to log in to your profile after 30 minutes or contact our Westernunion.com customer care on +373 22 57 61 40 from 8:15 am to 5:15 pm during working days and +373 22 21 02 02 for 24-hour support in Romanian and Russian or email westernunion@vb.md.

Once you’re logged in you can easily change or update your WU profile by selecting the “Profile” tab, then select “Edit profile” from the menu on the right-hand side and change your password. For online registration, you can use only one phone number. If your phone number has changed, then the only way to get access to your profile is by calling Customer care.

If you have any questions, please contact Westernunion.com customer care on +373 22 57 61 40 from 8:15 am to 5:15 pm during working days and +373 22 21 02 02 for 24-hour support in Romanian and Russian or email westernunion@vb.md.

You can delete your online profile by contacting Westernunion.com customer care on +373 22 57 61 40 from 8:15 am to 5:15 pm during working days and +373 22 21 02 02 for 24-hour support in Romanian and Russian or email westernunion@vb.md.

Yes, we will need to verify your profile if you want to send an amount higher than 20,000 MDL per transfer and per day or 200,000 MDL per month. Once you have successfully registered online, you will be asked to visit one of the Victoriabank locations for a one-time in-person verification. Once your profile is verified, higher limits will be applied automatically.

After you present a valid government-issued ID at one of the Victoriabank locations, you will receive a confirmation via SMS. If you need to send a higher amount before your verification is completed, please visit your nearest Western Union agent location.

If you are a resident in Moldova, then the following identification documents are accepted:

– National Identity card issued by the Republic of Moldova;
– Residence permit for foreign citizens;
– Proof of address (may be required).

If you are a non-resident, then the following identification documents are accepted:

– International passport of the foreign citizen;
– Diplomatic passport of the foreign citizen;
– Service passport of the foreign citizen;
– Identity card of the foreign citizen;
– International passport of Romanian citizen;
– Proof of address (may be required).

Identification documents should have your full name, ID details, citizenship and date of birth.

Please make sure to bring the same identification document to the verification location that you have used for your online profile.

You can find your nearest Victoriabank location. You will be able to verify your online profile at any one of the locations on the list.

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 asignment.
• For a job opportunity.
• For a credit card or loan fee.
• To resolve an immigration matter.

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.

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 email. This may be a “phishing” attempt to acquire sensitive information from you. Instead, immediately contact Westernunion.com customer care center on +373 22 57 61 40 from 8:15 am to 5:15 pm during working days and +373 22 21 02 02 for 24-hour support in Romanian and Russian or email westernunion@vb.md or visit any Western union agent location near you.

Please note 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 Moldova.

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 Moldova.

You should immediately visit our agent location 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.

• 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.
• More information about how to protect yourself from fraud.