Frequently Asked Questions

You can send money with us in any of the following ways:
Online:
1. Log in to your profile. If you don’t have a profile yet, create one.
2. Choose your receiver’s country and select Continue.
3. Enter the send amount or the receive amount and select Check fees.
4. Then choose any of the following send and receive methods¹:

You pay by:
QR Ph

Receive by:
Cash pick up
Bank account²
Mobile wallet²

5. Select Save and Continue to receiver.
6. Enter your receiver’s details.
7. Then select Continue to review and finally Send.

To pay via QR Ph:
1. Log into your online banking account
2. Select Pay via QR
3. Scan or upload the downloaded QR code from your device’s gallery
4. Authorize the payment to complete the transfer.

After you complete the transfer, you can track it with the tracking number (MTCN) on your receipt.

¹You can try a combination of different send or receive amounts and methods to get the best possible exchange rate, transfer fee, and delivery time.
²The receive method is applicable to select receiving countries.

In cash at an agent location
– Visit any of our agent locations with your original government-issued ID.
– Pay with cash or with debit card.

After you complete the transfer, you can track it with the tracking number (MTCN) on your receipt.

Online
You can pay for your money transfer via QR Ph by following below steps:
Log into your online banking account
Select Pay via QR
Scan or upload the downloaded QR code from your device’s gallery
Authorize the payment to complete the transfer.

In-person
Visit a Western Union Agent location to send money using cash.

We need to confirm your identity before your first money transfer. Once we have confirmed your ID, you’ll be able to send up to 820,000 PHP per transaction using your bank account details or wallet via QR Ph.

You can find the send limit for a specific receive country on the Send money page using your verified account.

You can usually send any amount from an agent location. However, for amount equal to or greater than $15,000 USD or the local currency equivalent , you may be asked to provide additional information.

Exchange Rates

When you send money internationally, your receiver will get it in their local currency. You can calculate the actual transfer amount based on the exchange rate applicable at the time of sending the money. However, for some countries, the actual transfer amount depends on the exchange rate applicable at the time of receiving.

Transfer Fees

We charge you a transfer fee for every transfer. The transfer fee along with the foreign exchange rate and taxes may vary depending on the brand, channel, and location for various reasons. You must compare transfer fees and exchange rates at the time of sending money. The transfer fees and exchange rates are subject to change without prior notice.

Yes, you can send money directly to your receiver’s mobile wallet. Before sending, just be sure of the following:

Wallet transfer service is available for the receiving country.
Your receiver has an activated mobile wallet with one of our partner mobile operators in their country. Check available receiving countries and mobile networks.

Depending upon the transfer method, transfer amount, and send and receive countries, it takes anywhere between a few minutes to 4 business days for the money to reach your receiver. To know more, please check the Terms and Conditions for online money transfer and retail money transfer.

About UPI

Unified Payment Interface (UPI) is a payment method that allows you to transfer money to a bank account in India instantly. Western Union is the first money transfer service company to use UPI for international transfers.

Understanding the UPI ID

A UPI ID is a virtual payment address (VPA) and a unique identifier. It works the same way your name or email address does. A UPI ID is formatted like an email address: receiver’s_name@bank_name or phone_number@bank_name.

When sending through this method, all you need is your receiver’s UPI ID. You don’t need to enter your receiver’s bank name, account number, account type, or Indian Financial System Code (IFSC). Just be sure the receiving bank is linked to your receiver’s UPI ID.

List of banks supporting international UPI transfers

Here’s the current list of banks that support UPI transfer:

**Refer to image in image tab
More banks will be available for UPI transfers soon.

Send limits using UPI
Currently, you can send up to 200,000 INR per transfer.

Steps to send money with UPI to India

Western Union is the first money transfer service company to use 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 a bank account as receive method 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.

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.

To send an online money transfer, you’ll need to provide the following information:

Your name, residential address, and other details as they appear on your government-issued ID.
Your receiver’s name and address as they appear on their government-issued ID.
Your bank or Australian-issued credit/ debit card or prepaid card details.
For sending an online money transfer, you’ll need to create a profile and provide your passport or Australian driver’s license to verify your identity.

If we need any additional information, we’ll ask you to call our Customer Care

Note: You must be above 18 years of age to send money with Western Union.

We need to double-check a few details before we send your transfer. This is a standard process and sometimes takes longer than usual.

If necessary, we’ll reach out to you. Otherwise, no further action is needed.

For online transfers, we’ll notify you when your transfer status has changed. For transfers at agent locations, you’ll need to check your transfer status  after some time for any updates.

Westernunion.com or Mobile app
Yes. You need to create a profile. To Register for a profile, you will need:
Your complete name as it appears on your government-issued ID
Your email address
Your mobile number
Your billing address
Note: After successful registration, your profile can be accessed either via westernunion.com or mobile app.

In person
No. Registration is not required.

Telephone Money Transfer – US to US
No. Registration is not required.

For any help, please write to support@beforepay.com.au.

To add a receiver on your Western Union profile, please follow these steps:

Log into your Western Union profile.
Go to Menu and select My receivers from the dropdown.
Select Add new option.
Enter your receiver’s information.
Select Save and continue to add the new receiver.

To delete or remove a receiver on your Western Union profile, please follow these steps:

Log into your Western Union profile.
Go to Menu and select My receivers from the dropdown.
Select the receiver’s name.
Select Remove to delete the receiver’s information.