Frequently Asked Questions

You can only make minor typographical corrections to the receiver’s name on a regular money transfer as long as the money hasn’t yet been picked up. This can’t be done on a money order, bill payment, or prepaid money transfer.

You can send money online to a Western Union location for cash pickup, directly to your receiver’s bank account, or to your receiver’s mobile phone. After you’ve chosen your destination country, you’ll see the types of services available.

Learn more about how to send money online.

Here are a few ways you can send money online using Western Union:

• Money in minutes:

If your money is needed within minutes, you can send online using your credit or debit card. Receivers can pick up cash at Western Union locations worldwide, depending on the hours of operation at that location.

Pay for your money transfer in the following ways.

a)      Card

You can pay using your debit or credit card.

Supported cards are: Visa, MasterCard, Maestro and Visa Electron. Please contact your bank to ensure your card is enrolled for secure authentication.

You can send up to than 1.000 EUR per transaction or within a 3-day period before we need to verify your identity. After your identity is verified, you can send up to 5.000 EUR per transaction.

Some card issuers may charge additional fees for using our services. Please contact your card issuer for more information.

Verified by Visa^® and MasterCard SecureCode^® help prevent unauthorized online use of cards. These services use personal passwords or identity information and are available for most cards from participating financial institutions.

Once your card is activated, your card number will be recognized whenever it’s used at participating online stores. A window will automatically appear, and your card issuer will ask for your password. You’ll enter your password to verify your identity and complete your purchase.

If you haven’t activated Verified by Visa^® or MasterCard SecureCode,^® your card can still be used on our site.

Your online receipt will show whether your transfer was approved. If we need more information before we can complete it, you’ll be asked to call us. When the transfer’s complete, you’ll get an email with your tracking number (MTCN).

Western Union uses the latest technology to ensure convenient and reliable online money transfers. We have upgraded our security standards to protect you from fraud when you pay online using a credit or debit card. This enhanced layer of security, aligned with the latest EU regulations and changes to security systems, helps card issuing banks to better identify and verify customers, allowing for convenient, smooth and reliable online transactions.

According to EU regulations, you have the right to easy, secure payments with no extra cost when you pay with a card issued in the EU². You also have the right to a basic payment account if you are a legally residing in Europe. Learn more.

Your debit or credit card payment may be unsuccessful due to several reasons:

a)      By your bank

Your bank may decline your payment due to:

• Insufficient funds in your bank account.
• Unusually large payment exceeding your bank limits.
• Your card may not be enrolled for secure authentication.

If your bank declines a payment while making a Western Union money transfer, you need to contact your bank or log in to your online banking to resolve the issue.

b)      By Western Union

Western Union may decline your payment for the following reasons:

• Exceeding the transfer limit set for the country you are sending money from.
• To protect you from fraud or consumer scam.

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.

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 UPIID linked to the bank enabled for international UPI remittance. Please seebelow the list of banks that support international UPI.

Current list of banks that support international UPI transfers

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 WesternUnion

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

1.   Log in to your Western Union profile.

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

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

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

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

Any time after sending, you can check your transfer status online. All you need is your name and the tracking number (MTCN) printed on your receipt.

You can cancel a money transfer only if it has not been picked up by your receiver. If you sent money to a bank account, you can cancel it if the transfer has not been completed by your receiver’s bank.
To request a refund, please call Customer Care, or if you sent the money in person, return to the agent location.

* The amount of money refunded (amount sent and/or transfer fees) depends on the service chosen and reason for cancelation. If you have questions regarding the amount to be refunded, contact Customer Care. Please also see our Terms and Conditions for more information.

You can check your transfer status online. All you need is the sender’s name and the tracking number (MTCN) printed on the sender’s receipt.

Refunds typically take up to 10 business days from the date they are completed.

When you send money internationally, your receiver will generally be paid in local currency. The exact amount will be calculated based on the exchange rate applicable at the time of shipment. However, for transfers to certain countries, the exact amount will be calculated based on the exchange rate applicable at the time of receipt.