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Frequently asked questions

Find answers to many of your questions below. If you still need more information you can contact our Customer Care service by calling +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me

Send money online

Yes, you can send money online from Montenegro by visiting wu.com/me. Once you choose your destination country, you’ll be able to see the types of services available to you.

To complete your first money transfer online you will first need to register and create an online profile with Western Union. Once you’ve created your online profile, you will need to go to one of our verification locations with a valid government-issued ID for a one-time in person verification.

After your profile has been registered and verified, follow the below steps to send money online:

  1. Log in to your profile
  2. Select how you will pay for your transfer (debit or credit card)
  3. Enter details of your transfer, including destination country, amount, beneficiary details etc
  4. Accept terms and conditions

Once your transfer is complete, you will be shown your receipt, which includes your tracking number (MTCN).

If you have any questions, please contact us on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

Please see our country list to view all countries you can send money online from Montenegro. If you are sending money to a bank account, see this country list.

Please note transfers within Montenegro are also available.

You can pay online using a Visa® or Mastercard® credit or debit card issued in Montenegro

For more details, please call our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me

Once your profile has been created and verified, you can send online 2,000 EUR per transaction. If you wish to send more than the specified limits, you can visit your nearest Western union agent location.

You may add as many Visa® or Mastercard® credit or debit cards issued in Montenegro to your profile as you need. Please note that virtual and pre-paid cards are not allowed. You can always check with our Customer Care service if you have any questions.

Once you complete the transfer, you'll be shown a receipt, which will show if your transfer was approved and will provide you with a tracking number (MTCN).

You can request to cancel your money transfer by contacting our Customer Care service immediately if you change your mind, if you have received information that MTCN cannot be paid out to the receiver, or if you suspect fraud. For any other situation, a transfer can only be cancelled if the money hasn’t been deposited to your receiver’s bank account or collected in the destination country.

To cancel a transfer, contact our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me

Once you have completed your online transfer, your receipt will be presented to you. You can also see details of all your previous transfers in your profile section on montenegro.wu.com.

The Money Transfer Control Number (MTCN) is a unique number assigned to your transfer. Your receiver will need this number to pick up the money. Do not share it with anyone else. You can use this number to track your transfer online.

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Send money to a bank account from Montenegro

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.

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View 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.

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

* Funds may be delayed or services unavailable based on certain transfer 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. See Terms and Conditions for details

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Send money in person

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.

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Western Union agents are our representatives in the different countries where you can 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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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 a 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 passport or national ID card. Acceptable IDs are subject to the banking laws and regulations of Montenegro.

Money transfers will be paid out in cash at a Western Union location or directly to your receiver’s bank account. 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 or receiver’s name and the tracking number (MTCN) on the receipt.

Each Western Union agent location determines their own hours of operation. Some have extended hours and some even open during weekends. Find your nearest Western Union agent location.

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Receive money

You can pick up your money at any Western Union agent location in Montenegro. 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

Some restrictions may apply.

You’ll need to present a valid passport or national ID card to pick up money at a Western Union agent location. Acceptable IDs are subject to the banking laws and regulations of Montenegro.

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Simply, track your transfer online for up-to-date information on the latest status of your money transfer. You’ll need the sender's name and tracking number also known as the Money Transfer Control Number (MTCN).
You can contact our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

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

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

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Registration

To send money online you will need to register and create a Western Union profile. To register, you will need to fill in the profile registration form and complete the following steps:

  1. Provide your mobile phone number for authentication.
  2. Fill in the online registration form with the following information: full name, date and country of birth, city of birth, your full address, occupation and valid ID details (type, number, issuer, issue date and expiration date). Check accepted IDs here.
  3. Once you have successfully registered online, you will be asked to accept the Terms of Profile creation or our online services.

Once you have registered your profile, you will need to visit one of our agent locations for a one-time, in-person verification before you can complete your first money transfer online.

If you have any questions about online registration, please contact our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me

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No, it’s free of charge.

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

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

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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 our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

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Your user ID is your phone number and your password is the 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 the number you have provided.

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 Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

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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 us on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me

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You can delete your online profile by contacting our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

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Identification process

Yes, once you have registered your online profile, you will need to visit one of the agent locations for a one-time in-person verification before you can complete your first money transfer online.

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After you present a valid government-issued ID at one of the agent 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.

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A valid passport or national ID card are accepted identification documents in Montenegro. Identification documents should have your full name, ID details and date of birth. Please bring the same ID you used to register your profile when visiting a verification location.

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You will be able to verify your online profile at any one of our agent locations on the list. Find your nearest agent location here.

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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.

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 email. This may be a "phishing" attempt to acquire sensitive information from you. Instead, immediately contact customer care center on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me or visit any Western union agent location near you.

Please note Western Union WILL NEVER send you emails to ask for your user ID, password, or credit card details.

In some countries, senders are asked to provide a ‘Test Question’ and the 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 Montenegro.

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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 Montenegro.

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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.

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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.

More information about how to protect yourself from fraud.

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