You can find the answers to many of your questions below.
But if you still need to know more, do not hesitate to contact us.
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.
| •Abhyudaya Cooperative Bank Limited | •Janata Sahakari Bank Limited | •Airtel Payments Bank Limited | •Jana Small Finance Bank Limited |
| •Andhra Bank | •Karnataka Bank Limited | •The Andhra Pradesh State Cooperative Bank Limited | •Kalupur Commercial Cooperative Bank |
| •Andhra Pragathi Grameena Bank | •Kalyan Janata Sahakari Bank | •Andhra Pradesh Grameena Vikas Bank | •Kotak Mahindra Bank Limited |
| •Apna Sahakari Bank Limited | •Kerala Gramin Bank | •Bassein Catholic Cooperative Bank Limited | •The Karanataka State Cooperative Apex Bank Limited |
| •Bank Of Baroda | •Karnataka Vikas Grameena Bank | •Bandhan Bank Limited | •Laxmi Vilas Bank |
| •Dena Bank | •Bank Of Maharashtra | •Bank Of India | •Maharashtra Gramin Bank |
| •Central Bank Of India | •Mahanagar Cooperative Bank | •City Union Bank Limited | •The Mehsana Urban Cooperative Bank |
| •Canara Bank | •Oriental Bank of Commerce | •Corporation Bank | •G P Parsik Bank |
| •The Cosmos Co Operative Bank Limited | •Pragathi Krishna Gramin Bank | •Catholic Syrian Bank Limited | •Punjab And Sind Bank |
| •Development Bank of Singapore | •Punjab National Bank | •DCB Bank Limited | •Paytm Payments Bank Ltd |
| •Deustche Bank | •Ratnakar Bank Limited | •Deutsche Bank (Bij Alle Sepa-Transacties) | •Rajkot Nagrik Sahakari Bank Limited |
| •Dhanalakshmi Bank | •State Bank of India | •Equitas Small Finance Bank Limited | •Standard Chartered Bank |
| •Federal Bank | •South Indian Bank | •Fino Payments Bank | •The Surath Peoples Cooperative Bank Limited |
| •Fincare Small Finance Bank Ltd | •Saraswat Cooperative Bank Limited | •The Gujarat State Cooperative Bank Limited | •Suryoday Small Finance Bank Limited |
| •Hasti Coop Bank Ltd | •The Shamrao Vithal Cooperative Bank | •HSBC Bank | •Syndicate Bank |
| •IDBI Bank | •The Thane Bharat Sahakari Bank Limited | •ICICI Bank Limited | •TJSB Sahakari Bank Limited |
| •IDFC Bank Limited | •Tamilnad Mercantile Bank Limited | •Indian Bank | •The Tamil Nadu State Apex Cooperative Bank |
| •Indusind Bank | •Union Bank Of India | •Indian Overseas Bank | •UCO Bank |
| •India Post Payment Bank | •Ujjivan Small Finance Bank Limited | •Jammu And Kashmir Bank Limited | •Axis Bank |
| •Jio Payments Bank Limited | •The Varachha Cooperative Bank Limited | •Janakalyan Sahakari Bank Limited | •Vijaya Bank |
| •Karur Vysya Bank | •The Vishweshwar Sahakari Bank Limited | •Vasai Vikas Sahakari Bank Limited | •Yes Bank |
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.
Yes, you can send money online from our Western Union app or at wu.com, to a Western Union agent location for a cash pickup. After you’ve chosen your destination country, you’ll see the types of services available to you.
Learn more about how to send money online.
To complete your first money transfer online you need to register and get your profile confirmation. During your profile confirmation process, you will have to start a money transfer through the app and pay at an agent location. Remember that you need to show the agent the same ID you uploaded in the app. If your profile is successfully confirmed, you will then be able to send money from the app, ready for a cash pick-up or directly to a bank account. However, if your profile cannot be confirmed right away, you can still transfer money by initiating your money transfer on the app and paying at an agent location.
If you have any questions while registering, please call Western Union’s Customer Service Center toll free number 1-800-81-3399, direct dial-in +85234080460, or send an email to Customerservice.Asia@westernunion.com.
Once you have started a money transfer on the app and completed it at an agent location, please upload the ID presented to the agent, to the app or web. When your profile status changes to “verified” you will be able to send money online using FPX method – direct bank debit.
FPX method allows you to make money available to your receiver in cash, by taking it directly from your bank account. After you’ve chosen your destination country, you’ll see the types of services available to you. Money transfers will generally be paid in cash, upon availability to receiver’s bank account, or to your receiver’s mobile phone.
To upload your ID, please login into your profile and go to the last step before starting a money transfer, then select the “upload your ID” option. Remember to upload the same ID you used when creating your profile. You can upload up to two different files depending on the ID type. The file can be a bmp, gif, png, jpg, jpeg or pdf with a maximum size of 10 megabytes (10 MB).
If your ID matches the one provided at the agent location, your profile status will remain “verified”. If your ID is different, your profile status may change and you will temporarily not be able to use FPX method – direct bank debit.
FPX method allows you to make money available to your receiver in cash, by taking it directly from your bank account. After you’ve chosen your destination country, you’ll see the types of services available to you. Money transfers will generally be paid in cash, upon availability to receiver’s bank account, or to receiver’s mobile phone.
If you have any question while registering, please call our Western Union’s Customer Service Center toll free number 1-800-81-3399, direct dial-in +85234080460, or send an email to Customerservice.Asia@westernunion.com.
You can send money online from the Western Union app or wu.com using our money in minutes* service.
If your money transfer is needed within minutes*, you can send it online using FPX method – direct bank debit.
FPX method allows you to make money available to your receiver in cash, by taking it directly from your bank account. Receivers can pick up cash at any Western Union agent locations around the world, depending on the hours of operations. After you’ve chosen your destination country, you’ll see the types of services available to you. Money transfers will generally be paid in cash, upon availability to receiver’s bank account, or to your receiver’s mobile phone.
*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.
Please click here to see all countries you can send money online from the Western Union app or from wu.com in Malaysia.
Domestic transfers within Malaysia are also available.
You can pay for your online money transfer in any of the following ways:
• Visa® or Mastercard® debit card; or
• FPX1
For more details, please contact Customer Care.
Once your profile has been confirmed at an agent location, you will be able to send online up to 3,000 MYR per transfer, per day; 15,000 MYR per week or 30,000 MYR per month.
If you wish to send more you can visit an agent location.
Your online receipt will show whether your transfer has been approved. When the transfer is complete, you’ll get an email with your money tracking control number (MTCN).
A money transfer can only be cancelled if it has not been collected by the receiver in the destination country.
If you wish to cancel your money transfer, please call our Western Union’s Customer Service Center toll free number 1-800-81-3399, direct dial-in +85234080460, or send an email to Customerservice.Asia@westernunion.com.
Yes, a receipt will be sent to your email after the transfer is completed. You can also see the details of all your transfers in your profile section on the Western Union app.
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.
If you have created your profile with an ID that has now expired, you will have to get your profile verified again before you can send money using the direct bank debit service (FPX) again. To verify your profile, you will need to send a new copy of the valid ID document to malaysiaid@westernunion.com
Please note that if you receive a C5859 or R5859 error when trying to transfer money, this means that your ID has expired.
You can make up to 5 transfers to the same receiver on Alipay wallet within a 30-day period starting from the date of the first transfer. If it’s urgent, you can always choose a different payout method such as bank account or cash.
Western Union 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 in the different countries you need to 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.
Finding an agent location in Malaysia is easy, go to our agent finder.
Once you get to our agent location, you will be asked to provide some information like your receiver’s first name, last name, the amount you wish to send, and the country you are sending to and your Government issued ID; then just give the agent the total amount including the applicable fees. Your money will be available in minutes to your receiver after the transfer is completed.
You need to present any official Government issued ID (e.g. valid passport, Government issued ID, driver’s license, residence permit with photo, work permit with photo, emergency passport, UNHCR Card, military/police/government ID, I Kad) to send money at a Western Union agent location. Acceptable IDs are subject to the Banking laws and regulations of Malaysia.
You can usually send any amount you wish. However, for some transfers, you may have to provide additional information or documentation. Currently, you can send in person up to 50,000 MYR per transfer, per day.
Money transfers will generally be paid in cash.
Other restrictions may apply. Please contact a Western Union agent (link to “Find location” page) to get more information about restrictions or you can call Western Union’s Customer Service Center toll free number 1-800-81-3399, direct dial-in +85234080460, or send an email to Customerservice.Asia@westernunion.com.
You can check your transfer status online. All you need is the sender’s name and the tracking number (MTCN – Money Transfer Control Number) printed on the sender’s 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 with our agent finder.
You need to present any official government-issued ID (e.g. valid passport, Government issued ID, driver’s license, residence permit with photo, work permit with photo, emergency passport, UNHCR Card, military/police/government ID, i-Kad) to pick up money at a Western Union agent location. Acceptable IDs are subject to the Banking laws and regulations of Malaysia.
You can go to the track a transfer at wu.com or our Western Union app. Then type in the sender’s name and the MTCN (Money Transfer Control Number). You’ll get an update on the latest status of your money transfer.
You can also call our Western Union’s Customer Service Center toll free number 1-800-81-3399, direct dial-in +85234080460, or send an email to Customerservice.Asia@westernunion.com.
You can pick up the money at any Western Union agent location. You’ll need to provide the following information:
For more information, please visit your nearest Western Union agent location. Or call our Western Union’s Customer Service Center toll free number 1-800-81-3399, direct dial-in +85234080460, or send an email to Customerservice.Asia@westernunion.com.
Money transfers will generally be paid in cash.
Other restrictions may apply. For more information, please visit your nearest Western Union agent location. Or call our Western Union’s Customer Service Center toll free number 1-800-81-3399, direct dial-in +85234080460, or send an email to Customerservice.Asia@westernunion.com.
All fees are paid by the sender. The receiver pays no transfer fees.
If you have received a notification from us, it means that a transaction you did was not paid out to the recipient. Please call us to process a refund. You can find the full MTCN (known as a Money Transfer Control Number) on the history page of the Western Union app or website that you used to make the transfer.
You will receive an email or SMS from us notifying that you have sent a transfer, but it has not been paid out to your recipient.
You will need to call us at 1800-813-399. If you are outside of Malaysia call us at +852-340-80460 (non-toll free). Please have your MTCN handy with you when you call so that we can help you as quickly as possible. Please note that refunds will be available with us until February 24, 2023. Post that any unclaimed funds will be handed over to the Unclaimed Monies Authority.
You can refer to the email or SMS notification that we have sent. You may also log in to westernunion.com or our app and check the history page for the specific transfer and its corresponding MTCN.
If you cannot find the MTCN, please call us at 1800-813-399 from Malaysia or +852-340-80460 (non-toll free) if you are outside Malaysia. Please keep the transfer date and reference number received with the email or SMS from us handy.
All unclaimed funds will be handed over to the Accountant General’s Department of Malaysia. You can claim back your funds by checking the Electronic Government Unclaimed Money Information System (eGUMIS) or by going to the AGD’s department at Menara Maybank. Once you have confirmed your unclaimed funds, you can email the e-GUMIS printout to us at Customerservice.Asia@westernunion.com and we will prepare a confirmation letter (or “surat penyesahan”) for you to claim your money from the AGD.
Registration is required for most of our services. After you download the Western Union app or open our wu.com site you’ll need to complete the profile registration form and follow these steps:
1. You will be asked to provide your full name, your full Malaysian address, a phone number, email address, country, date of birth, gender and nationality.
2. Start a money transfer using the Western Union app.
3. Visit the nearest agent location to pay and complete your transfer.
4. Present the same identification document used when you started the money transfer on the app. Remember that you must present a valid identification document (passport, government issued ID, driver’s license, residence permit with photo, work permit with photo, emergency passport, UNHCR Card, military/police/government ID, i-Kad). Acceptable IDs are subject to the Central Bank of Malaysia rules and regulations.
5. Give the money to the agent at the location.
6. Once you complete your money transfer, you will need to upload a copy of the same ID you presented to the agent.
7. If you have any questions while registering, please call Western Union’s Customer Service Center toll free number 1-800-81-3399, direct dial-in +85234080460, or send an email to Customerservice.Asia@westernunion.com.
Yes, registration is required to be able to use our services to send money online.
To upload your ID, please log in to your profile and go to the last step before starting a money transfer, then select the “upload your ID” option. Remember to upload the same ID you used when creating your profile. You can upload up to two different files depending on the ID type. The file can be a bmp, gif, png, jpg, jpeg or pdf with a maximum size of 10 megabytes (10 MB).
If your ID matches the one provided at the agent location, your profile status will remain “verified”. If your ID is different, your profile status may change and you will temporarily not be able to use FPX method – direct bank debit.
FPX method allows you to make money available to your receiver in cash by taking it directly from your bank account. After you’ve chosen your destination country, you’ll see the types of services available to you. Money transfers will generally be paid in cash or, if available, to your receiver’s bank account or mobile phone.
If you have any question while registering, please call our Customer Care toll free number 1-800-81-3399, direct dial-in +85234080460, or send an email to Customerservice.Asia@westernunion.com.
No, it’s free to register.
Anyone who meets the following conditions, can use our online money transfer service:
Registration with a valid identification document and an email address is possible only once.
You can change/update your Western Union profile information from the Profile Overview tab after you log in to westernunion.com, only if your profile has not yet been verified.
After your identity has been verified, you cannot change your name, last name, date of birth, or nationality. If you need to change this information after your identity has been verified, please contact Western Union’s Customer Service Center toll free number 1-800-81-3399, direct dial-in +85234080460.
Your user ID is your email address.
If you have forgotten your password, you can select the “Forgot password” option and a new password will be sent to your email address.
If you repeatedly entered incorrect details or your profile is locked, please try to log in to your profile after 30 minutes. Or contact our Customer Care toll free number 1-800-81-3399, direct dial-in +85234080460 or send an email at Customerservice.Asia@westernunion.com.
You can change your password on the Profile Overview page after you 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.
Please contact Western Union’s Customer Care by calling the toll free number 1-800-81-3399, dialing directly +85234080460, or sending an email to Customerservice.Asia@westernunion.com.
Registering to receive transfers in Colombia
The Government of Colombia will require you to register if you receive a transfer in Colombia that exceeds its cash and frequency limits.
If you know you need to register, you can call Western Union’s Colombian partner, Giros y Finanzas, at any of the numbers below.
You can also wait for Giros y Finanzas to call you. They will try to contact you up to 3 times in the 15 days after we send the money. If Giros y Finanzas cannot reach you after 3 tries, we will cancel the transfer and refund the sender.
Giros y Finanzas contact numbers in Colombia (country code +57):
Giros y Finanzas contact numbers outside Colombia:
Giros y Finanzas office hours of operation, Colombia Time (COT) (UTC -5):
Giros y Finanzas may ask you to provide the following:
Receiving money in Argentina
If you receive a money transfer in Argentina, you need to complete a one-time registration within 90 days of getting it.
Also, if you receive 2 additional transfers within that 90-day period (a total of 3 transfers), you will need to register before you can pick up the third transfer.
To make sure you are registered, we will contact you within 24 hours of the transfer at the number provided by your sender. You will be asked to provide additional identifying information on an online form used for registering transfers.
Western Union agent locations are independent businesses that provide money transfer services to their customers on behalf of Western Union. In Malaysia these are Exchange houses and Banks.
Use this link to find an agent location near you.
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.
Western Union agent locations offer the ability to send and receive money around the world using cash.
You can usually send up to 50,000 MYR. However, for certain amounts and transfers, you may be required to provide additional information or documentation as follows:
A passport, Government issued ID, driver’s license, residence permit with photo, work permit with photo, emergency passport, UNHCR Card, military/police/government ID, I Kad for sending money at a Western Union agent location.
Acceptable IDs are subject to the Central Bank of Malaysia rules and regulations.
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.
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.
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.
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.
Please be aware of the risk of fraud and phishing, especially during this time, and take extra caution when sending money:
Please visit our Fraud awareness page to learn more and check current Coronavirus-related online scams.
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.
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.
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 here.
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:
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.
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 Customerservice.Asia@westernunion.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 Malaysia.
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 no.t know the answer to the question. Test question is not available for payout in Malaysia.
You should contact the Western Union Fraud Hotline at 1-800-816-332 immediately 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.
For more information about how to protect yourself from fraud, click here.
Online ID verification is a process we follow to verify our customers’ identity. After you’ve registered your Western Union profile, you can choose to verify your identity through Online ID verification by just uploading your valid government- issued ID document and your selfie or use a prior retail transaction for online ID verification. After your profile is successfully verified, you will be able to start sending money.
Malaysian citizens:
Online ID verification.
Enter the following details:
Or
Non-Malaysian citizens:
Fill in online registration form the and provide us the following information:
Online ID verification
Enter the following details:
Or
For Malaysian citizens, only the government-issued national ID card, Malaysian passport or a Police/law enforcement ID is accepted for verification using online ID verification.
For non-Malaysian citizens, only a valid international passport and valid work permit/visa or a residence permit card are accepted for verification using online ID verification.
After we verify your profile, you will be redirected to the FPX page to complete your transfer.
Sometimes, verification may take longer, and you will need to check in your profile and transaction history page to resume the same transfer at a later time.
If you are not successfully verified, you will need to redo your verification with the same government- issued ID again or with another valid ID.
Your online ID verification may be rejected due to any of the following reasons:
You can get verified through physical verification at our agent locations.
To ensure a successful online ID verification, it is important that you submit a clear photo of yourself for verification. You must also submit a clear photo of your valid government-issued ID.
Here are some tips to capture a clear selfie:
For best results, follow the onscreen instructions while taking your selfie.
This may be due to a technical error. Please log out from your profile and log in again to retry scanning your government-issued ID and taking your selfie.
After your profile is verified, Malaysian citizens and expatriate can send up to 30,000 MYR daily and foreign workers can send up to 5,000 MYR per month.
If you are a Malaysian citizen or expatriate, you can send money to up to 20 receivers.
If you are a foreign worker, you can send money to up to 6 receivers.
For foreign worker, please note that if you want to add more than 1 receiver, you will be required to answer your security question that you have set during your profile creation.
1 You can transfer money directly from your bank account using FPX. Your receiver can collect the funds in person at an agent location, in their bank account, or mobile wallet depending on the services available in the receive country.