Frequently Asked Questions

FAQ / Send money to a bank account

Send money to a bank account

How do I send money to India with UPI?

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.

Can I send money to a bank account?

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

In which countries can I send money directly to my receiver’s bank account?

Check the bank account transfer details to see which countries the service is available in. You’ll find the bank information you’ll need to send money, and how long it will take for the money to be deposited into your receiver’s bank account in each country.

How do I send money to a bank account?

Just choose the Bank Account service when you send online or at an agent location. You’ll need the receiver’s bank account details. The requirements vary by country, but usually include:

  • Your receiver’s bank name and code
  • Their account name and number

Check our Direct to Bank Account country information to see which countries the service is available to and the information needed for each country.

What’s a bank code, and how do I find my receiver’s bank code?

A bank code is a series of numbers that’s used to identify banks around the world. They can range from 3 and 23 digits depending on the country of the bank and the type of code.

A bank code may be known as:

  • 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 counties 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 the bank account transfer details to see what details are required for each country.

What is a Bank Identification Code (BIC)?

A BIC is a code used to identify banks worldwide. A BIC is the same as a SWIFT code; the terms are interchangeable. A BIC will usually have 8 or 11 digits.

Ask your receiver for the BIC if it is required in their country. You can refer to the bank account transfer details to see what details are required for each country.

What is an International Bank Account Number (IBAN)?

An IBAN is used in some countries to uniquely identify a customer’s bank account. The IBAN consists of an alphabetical country code followed by two digits, and then up to thirty-five characters for the bank account number. Some countries require that payment sent from Australia include an IBAN.

Ask your receiver for the IBAN if it is required in their country. You can refer to the bank account transfer details to see what details are required for each country.

How long does a bank account money transfer take?

Money may be paid into the receiver’s bank account in minutes1, on the same day1, or within 5 working days1, after WU has received the payment, and depending on when and where the money was sent from as well as the location of the receiver’s bank. To know more, see the bank account transfer details page.

Why is it mandatory to transfer money from my personal bank account only?

Our money transfer service is set up to be used for personal remittance only and the source of funds must be ascertained. As such, we can only accept payments from your personal bank account. Please ensure that your Western Union profile name matches the name on your bank account. This also helps in the event of a refund request. Please read the Terms for details.

Can’t find what you are looking for?

If you need to get in touch with Western Union, don’t hesitate to contact our Customer Care

1Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, required receiver action(s), agent location hours, differences in time zones, or selection of delayed options. Additional Restrictions may apply. See Terms for details.