Send money to a debit card instantly with Visa Direct


Send money to the bank accounts of relatives and friends using their Visa debit card number.

This receiving option allows you to directly support loved ones around the world, send them money for a special occasion, or simply give them a welcome surprise.

The money will land straight in their bank account, for maximum convenience.

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Send your money with confidence thanks to our encrypted transfers

Relied on around the world
Millions of people around the world choose to send money with Western Union

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Choose the way to pay that suits you and your friends and family

How to send money to a bank account using your receiver’s Visa card number

It’s easy to send money to a loved one’s bank account with Western Union if they have a Visa debit card. Follow these steps to get started online:

Register with us

Register a new profile or login with Western Union, providing any requested personal details and ID.

Begin your money transfer

Enter the destination, sending amount and payment method. Choose ‘Visa Direct’ as the receiving method. This will transfer money to the bank account linked to your loved one’s Visa debit card. This option is only available when sending to the Philippines, Jamaica, Thailand, Colombia and El Salvador. Other countries will be enabled soon.

Type in your receiver’s card details

Provide any information requested about your receiver. You’ll need to enter their name and card number, exactly as they appear on the front of their Visa debit card.

Follow the money

Confirm payment whichever way you choose and follow the money transfer all the way to your receiver’s bank account using your unique tracking number (MTCN).

Pros of sending to a bank account

Sending to a receiver’s bank account using their Visa debit card is not your only money transfer option. Here are the pros to sending money this way.

Send money


All it takes is your loved one’s full name and debit card number, exactly as they appear on the front of the card.

Less chance of mistakes

There’s a lower risk of mistyping information since you don’t need your receiver’s full account details.


Your money is sent electronically, with the key details encrypted.

FAQs on transferring money to a bank account through a receiver’s debit card

How can I send money to an account using my relative’s Visa card?

You’ll need your receiver’s exact Visa debit card number to send money to their bank account this way. Here’s how to do so with Western Union online:

  1. Log in or register for a free online profile with us.
  2. Head to our ‘Send money’ page and enter a destination that offers Visa Direct as a receiving option.
  3. Type in a sending amount and choose your preferred way to pay.
  4. Tell us your receiver’s full name and Visa debit card number.
  5. Confirm your payment details and look out for a tracking number (MTCN) in your inbox to help follow your money.
Can a debit card receive money?

Any money you transfer using Visa Direct is sent to the bank account linked to your receiver’s debit card – instead of the card itself. That means the money will be accessible in their bank account, rather than being stored on the card.

How long will my receiver have to wait for their money?

Your money could be with your receiver in as little as 30 minutes1 when sending to their bank account using their Visa debit card. However, this delivery time isn’t guaranteed. It’s important to type in the correct card name and number to avoid potential delays.

Still have questions?

Visit our FAQs or contact us. Our customer care team is just a call away.

Easy and fast international money transfers

Use your loved one’s Visa debit card number to make an international money transfer straight to their bank account.

It’s easy to send funds outside the US this way. Simply log in to the Western Union website or app and select one of the countries below.

Register to start an online money transfer today

Easy to get started

Register or log in to your Western Union profile to start sending money straight away.

Simple money transfers

Follow our simple step-by-step money transfer process to send bill payments, remittance and more with ease.

Keep track of progress

Use your unique tracking number (MTCN) to stay up to date on your money transfer’s status.

Official Visa Direct partner

Western Union is an official partner of Visa Direct. That means you can send money to bank accounts in certain countries using your loved one’s Visa debit card number.

Ready to send money?

Money transfers at your fingertips with our app

Send money from virtually anywhere using our convenient app.

Check the latest transfer fees1 and exchange rates before you send.

Track each money transfer in real time.

Rating as of February 14, 2022

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 the receiver’s mWallet account provider for credit to the account tied to the 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.