The ultimate guide to money transfer safety

When it comes to the most important feature of a money transfer, while speed and price are key priorities, the highest priority for most senders is safety.

Be informed. Be aware. Protect yourself from fraud.

We encrypt your transfers

We encrypt your transfers

We are committed to keeping your data secure

We are committed to keeping your data secure

We’ve sent money around the world for more than 150 years

We’ve sent money around the world for more than 150 years

Money transfer safety with Western Union

Money transfers should be safe. That goes without saying. But how is that level of safety and reliability provided in a world where financial fraud is rife, particularly online?

Here at Western Union Netherlands, providing a trusted and reliable money transfer service is one of our top priorities. With this in mind, we’re going to give you a guide on the best ways to transfer money as safely as possible by looking at three key security aspects within our service.

One important note is that no money transfer service can truly guarantee 100% security. Any service that does should be viewed with a level of caution. What we can do, is take as many security measures as possible to provide peace of mind to our customers knowing that they’re using a trusted money transfer service with a commitment to security.

So, we’ll take a look at three key areas which help us keep your money transfer as safe as possible.

Send money safely at all the key moments

No matter what your loved ones are celebrating, whether it’s a birthday, wedding, buying a property, a new business opportunity, or they just need a little support, we can help you send money quickly, safely and exactly when they need it.

Identity verification for money transfer safety

When you send money with Western Union Netherlands, you’ll need to verify your identity if you’re sending 1,000 EUR or more.
It is free to register for an account, and once you have done this, you have two different ways of verifying your identity:

– Online ID verification using IDIN (eID)
– Verification by email / regular mail

Verifying your identity online

To verify your identity online and gain access to send more than 1,000 EUR, you need to:


Log in to your Western Union profile and choose Start verification. If you don’t have a profile already, create one on or the mobile app.


Select a bank from which your details can be authenticated.


Log in using your bank credentials.


Enter bank login ID and password.


Once your authentication is completed successfully, your profile will be verified immediately.


Please note: If the online process fails, please choose “verify by letter”.

Verification by email / regular mail

To verify your identity by mail and gain access to send more than 1,000 EUR, you need to:

  1. Log in to your Western Union profile. If you don’t have a profile already, create one on or the mobile app.
  2. Go to your profile and choose Start verification then select Verify by letter.
  3. Once you’ve received a letter from us, send a copy of any one of the following photo ID documents by email to
  • Passport (front and back)
  • EU/EAA ID card (front and back)
  • Driver license issued by the Netherlands

You can also mail us copies of any one of your documents via regular mail at the following address:

Western Union Processing Lithuania, UAB

Online and Prepaid Customer Identification Unit

Balcikonio str. 9C

LT-08247 Vilnius


Please make sure your picture, signature, birthdate, and expiry date are clearly visible and your documents are in PDF or JPG format. Remember to send us a copy of your document and not the original.


How long does identity verification take?

Verification may take several days. Once it’s complete, we’ll email you.

Register to start sending money safely today

Send money with peace of mind

It’s easy to start sending your money reliably and quickly around the world. If you’re looking to send money internationally, visit our registration page to get started.

Keep an eye on your money transfer

As part of our commitment to money transfer safety, you track the progress of your international money transfer  at any time via our website or app.

Money within minutes

In addition to offering reliable money transfers around the world, in many cases money can be with your loved ones in minutes1.

Convenient agent locations

Transfer money for cash pickup at a Western Union® agent location near your receiver, with hundreds of thousands worldwide.

Payment authentication for money transfer safety

Another key factor in keeping our money transfers safe at Western Union Netherlands is our payment authentication process.

Strong Customer Authentication (SCA), as mandated by the EU’s Revised Payment Services Directive (PSD2), requires payment service providers to authenticate digital payments.

SCA, also known as 3D Secure, is a multi-factor authentication that adds an extra layer of safety to digital payments to reduce fraud. It asks you to authenticate your payment using PIN, password, or biometrics.

At Western Union, to meet the SCA requirements, we use multi-factor authentication to protect your online money transfers.


Why wasn’t my payment authentication successful?

Western Union uses Strong Customer Authentication (SCA) to protect online money transfer payments. To successfully authenticate your payment, please ensure:

– Your card or bank account is registered for SCA (3D Secure). If not, contact your card issuer or register it through your online banking portal.

– Your contact information is up to date with your bank and Western Union.

– You enter your PIN or password accurately.


Please note that you can also pay for your money transfers using alternative methods. We’ll show your payment options when you start an online transfer .

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Relied on by customers around the world

As a company working in cross-border, cross-currency money movement, Western Union® aims to help grow economies and create a better world by keeping you connected with the people that matter the most to you. Join the customers in more than 200 countries who receive money from overseas with Western Union.

Consumer protection for money transfer safety

Western Union Netherlands put a high priority on consumer protection. Some key scenarios to look out for are:

  • Be wary if you are required to pay a fee before receiving a loan.
  • Beware of sweepstakes, prize or lottery company representatives who tell you to transfer money to them in order to claim a prize you’ve won.
  • Beware of unsolicited letters or emails from foreign government officials requesting assistance in the transfer of excess funds from a foreign country into your bank account.
  • Beware of telephone calls from the police claiming that someone you know has been in an accident or been arrested and is requesting money.
  • Beware of unsolicited letters or emails offering an unrealistic price for expensive or rare merchandise.
  • Make sure you know who you are sending money to. If you’re purchasing goods or services and paying through the Western Union network, it is your responsibility to verify the reputation of the seller. Western Union is not responsible for the non-receipt or quality of any goods or services.

How does Western Union protect customer information?

As part of our commitment to keeping our money transfers as safe as possible, Western Union employs a variety of techniques, including SSL technology, to keep your personal information safe.

In terms of keeping your password secure, it is helpful to:

  • Make your password difficult to guess. Avoid using any part of your name, your birthday, or any words that can easily be associated with you.
  • Use a combination of letters and numbers, and a mix of lowercase and capital letters.
  • Avoid writing your password down where it may be compromised.
  • You can further protect your passwords by making sure your virus-scanning software is up to date, and by running anti-spyware programs. These programs help protect you from viruses and malware that could compromise your identity even if your computer seems to be working fine.
  • Use extra caution when entering your password on a computer or smartphone that does not belong to you. Viruses, spyware, or browser settings might be used to compromise your account by recording your username and password.
What are the different ways to transfer money safely?

Money transfer safety via our website

When it comes to how to transfer money safely online, we would point to the many thousands of satisfied customers who use Western Union Netherlands each year as evidence we are the ideal option for many.

The three key elements of identity verification, payment authentication and consumer protection are all in place for any customer who sends money via our website, and those benefits are also passed on to the loved one receiving money.

Money transfer safety via our app

We have made it our aim to offer one of the best and most reliable money transfer apps possible, with all the key money transfer features from our website available to you seamlessly on an app that you can use anywhere, any time.

Is it safe to transfer large amounts of money online?

Yes, if you choose Western Union Netherlands’s trusted money transfer service, whether the amount is large or small it receives the same level of security protections. We regularly carry out high-level money transfers for our customers, to over 200 countries worldwide.

When it comes to the safety of a money transfer, the amount you send is not the defining factor in any security level, we provide a commitment to safety from our smallest transfers to our largest.

Of course, the more you send, the more you are likely to be concerned about the transfer arriving safely with the recipient. This is one reason why we require ID verification for any money transfer of 1,000 EUR or more in the Netherlands.

1 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. For mobile transactions funds will be paid to receiver’s mWallet account provider for credit to account tied to receiver’s mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. See the transfer form for restrictions.