Send Money with a Credit Card

Q: Can I transfer money from a credit card to a bank account?

Yes, you can transfer money from most major credit cards directly to bank accounts. The process and cost of transferring money from a credit card to a bank account may vary depending on your providers as well as things like transfer fees and exchange rates. With Western Union, you can do this through a direct bank transfer –which can be initiated either online, in person, or through our app.

Q: How long does a money transfer with a credit card take?

Money transfers funded with credit cards can arrive within minutes or take a few business days. Delivery time will depend on factors such as the transfer’s destination and how the recipient is receiving the money. Transfers generally arrive within minutes if you send funds to a Western Union cash pickup location or mobile wallet. On the other hand, they can take up to five business days if you send them to a bank account or debit card.

Q: How much money can I send with a credit card?

Sending limits vary by how your recipient wants to receive the money and their location. Check the limits that apply to a particular transfer on our website or app, or by using our price estimator . Note that your credit card provider might also limit the amount you can send. You also won’t be able to exceed your overall credit card limit.

Q: How safe are credit card transactions?

At Western Union, the security of your money transfers is a top priority. We employ advanced technologies, including Transport Layer Security (TLS), to encrypt your personal information, such as user IDs, passwords, and credit card numbers, during transmission. This encryption ensures your data remains confidential and protected against unauthorized access. In addition to encryption, we’ve implemented multi-factor authentication and robust identity verification processes to further safeguard your transactions. These measures help confirm your identity and prevent unauthorized use of your credit card information. We also encourage customers to follow best practices for online security , such as creating strong, unique passwords and being cautious of phishing attempts. By combining our security measures with your vigilance, Western Union aims to provide a safe and reliable environment for your money transfers.

Easily transfer money to friends and family worldwide using your credit card. Choose how your recipient receives the funds: cash pickup, bank deposit, or mobile wallet top-up—all in just a few simple steps.

Start your transfer online now and experience how fast and convenient it is to support your loved ones wherever they are.

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Fast and reliable online money transfers at special prices

Our encryption and fraud prevention efforts help protect your money transfer

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How to send money send with a credit card in 5 steps

Choose a transfer method

Initiate your money transfer to friends and family by first deciding to follow the quick registration process online or downloading the Western Union® mobile app. Going to an agent location near you is also an option.

Determine how much to send

Choose how much money you want to transfer by credit card to your recipient. Keep in mind any potential minimum and maximum limits for credit card transfers when deciding how much you want to send. Estimate the cost of your money transfer today to see how exchange rates and other fees may impact how much your receiver gets.

Enter recipient details

Make sure your money gets to the right place by entering your recipient’s name, email address, location, and phone number. Be sure the name you enter matches the name on their government-issued ID.

Choose “Credit Card” and provide your card information

Once you’ve selected ‘Credit card’ as your payment method, input your credit card information including the card number, expiration date, CVV code, and billing address.

Finalize and track your transfer

Once confirmed, proceed with your payment. You’ll receive a Money Transfer Control Number (MTCN) to track and share the transfer’s progress with your recipient.

How much does it cost to send money with a credit card?

The cost of sending money with a credit card depends on things like the amount you send and how you send it. Here are the three main costs you should know.

Exchange rate costs

Money transfers involving currency conversion may come with additional costs. Factors that influence exchange rates include economic conditions, market demand, and global events. At Western Union, we calculate our exchange rates based on interbank rates available in the market, plus a margin.

The best way to estimate the exchange rate costs for your money transfer is to use our currency converter. It breaks down current exchange rates and fees. Note that these rates and fees are only estimates and are subject to change.

Transfer fee

Western Union charges money transfer fees, which are listed as a flat fee for every transaction. Credit card transactions typically have higher transfer fees than those funded with cash, a debit card, or a bank account. However, they offer the flexibility to finance a transfer when you don’t have funds readily available.

You can estimate your money transfer fees in advance by using our price estimator.

Credit card issuer costs

Your credit card issuer might include an additional fee for the money transfer. For example, some issuers process the transaction as a cash advance, which comes with a fee and a higher interest rate. Cash advance fees typically range from 3% to 5% of the advance amount. Contact your credit card company to find out what to expect before making a transfer.

Discover an easy way to send money with a credit card from anywhere

Online

If you’re new to Western Union, create a free account by providing your name, email address, and password. Existing users can log in with their credentials.

Mobile app

Looking for an app to send money with a credit card? With the Western Union® app in your pocket, sending money using a credit card is simple. Access real-time exchange rates and fees, choose your preferred delivery method for your recipient, and track transfers directly in the app.

Download now

In person

Prefer a personal touch? Western Union has agent locations across the globe. Find an in-person location near you and stop in today to start sending money to friends and family.

Find a location

Sign up to send money with a credit card today

Quick and easy sign up

Get up and running in minutes with Western Union’s quick registration process. Simply sign up or log in with your email and password.

Tracking made simple

Keep tabs on your transfer and know exactly when it arrives at its destination. Use the associated MTCN number to track your transfer online.

Pay your way

Choose the payment method that works for you. Fund your transfer online using your bank account, credit/debit card, or cash in-store.

Convenient locations

With a vast network of agent locations worldwide, Western Union makes cash pickup quick and easy, no matter where you or your receiver are.

Our customers made millions of transfers with Western Union last year—here’s why:

Ease and convenience

Online, mobile, and in-person transfer options make getting your funds from Points A to B simpler than ever before.

Commitment to security

At Western Union, encryption and fraud prevention efforts help protect your money transfers. Learn more about our commitment to security today.

We’re international

With an expansive global network, Western Union helps send support and move money to over 200 countries and territories around the world.

Multiple payout methods

Find what works for your loved ones receiving money. Western Union enables cash payouts, bank transfers, mobile wallet deposits, and more. Plus, if your situation changes, you can easily switch how the money is delivered.