Frequently Asked Questions

About UPI

Unified Payment Interface (UPI) is a payment method that allows you to instantly transfer money to a bank account in India.

Understanding UPI ID

UPI ID is a virtual payment address (VPA) that uniquely identifies one person. A UPI ID format is like an email ID: with the sign “@” in the middle. For example, your receiver’s UPI ID could be “receiver’s_name@bank_name” or “phone_number@bank_name.”

When sending with a UPI ID, you only need to have your receiver’s UPI ID. You do not need to ask receivers for their account number, account type, bank name, or IFSC code.

To receive the payment, the receiver needs to have their UPI ID linked to the bank enabled for international UPI remittance. Please see below the list of banks that support international UPI.

Current list of banks that support international UPI transfer

Below are the banks currently supported. More banks will be made available soon.

Send limits using UPI

Currently, you can send up to 200,000 INR per transfer.

Steps to send money using a UPI through Western Union

Western Union is the first money transfer service company to use a UPI transfer internationally.

1. Log in to your Western Union profile.

2. Choose India as your receiving country (you will need to know your receiver’s mailing address).

3. Choose to send using a bank pay out and use any payment method.

4. Choose UPI ID under the bank information section. You’ll be able to browse all the banks enabled for international UPI transfer.

5. Choose to send your transfer, and you’re all set. Generally, your transfer should be completed in minutes.

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.

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.

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.

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.

Anyone who has done a bank account debit transaction before, can pay using Wallet.

We need to verify your bank account before you can pay with your Wallet. To verify your bank account, you’ll need to complete a 1 MYR transaction to Western Union. The 1 MYR will be refunded to your account.

1. Select Wallet as your payment method.
2. Choose your bank.
3. Confirm the transaction for the refundable amount of 1 MYR to Western Union.
4. Continue this transfer via FPX.

Please note that your account verification may take some time, please wait until we have completed it. After the verification is completed, the 1 MYR will be refunded to your account and you’ll be able to start a new transfer with Wallet as your payment method.

It is probable that your bank account verification failed even after you completed your 1 MYR transaction, because the name on your Western Union profile does not match the name on your bank account.

Please make sure that the name on the bank account matches the name on Western Union profile and try again.

1. Go to our website or the Western Union app and select Send money.
2. Enter your receiver’s details, amount and delivery method.
3. Select Wallet as your payment method.
4. Choose your Wallet.
5. Confirm the transaction amount.

No, this is a one-time process and you will receive your refund.

After the verification is completed, you’ll be able to transfer with Wallet as your payment method.

• GrabPay: Up to 1500 MYR
• Touch ‘n Go: Up to 5000 MYR
• Boost: Up to 4999 MYR
• ShopeePay: Up to 4999 MYR
• MAE by Maybank2U¹: Up to 1000 MYR

¹ Available only on Desktop browsers.

Yes, you can. Before you use your e-wallet, make sure you’ve verified your bank account with Western Union. To verify, complete a transfer first using the Financial Process Exchange (FPX) payment method.