Send Money To A Bank Account
Choose country, amount and delivery method .
Enter your receiverâs bank account information. Learn more about whatâs required.
Pay with your credit or debit card 6.
Youâll get a confirmation by email with the tracking number .
The money will be deposited into your receiverâs qualifying bank account. Check out destination-specific timing.
Connecting Customers Around The World
As a company working in cross-border, cross-currency money movement, Western Union aims to help grow economies and create a better world. Register with Western Union to send money to another bank account almost anywhere in the world. So, go ahead: send money with us and enjoy ease of use, reliable service and all the other benefits we have to offer.
Encryption to help protect your money transfers
Weâre committed to keeping your data secure
Western Union Payment System Stopped Money Transfer Service In Russia On March 24 2022
Money transfers sent from Russia to other counties and not paid out to receiver before March 24, 2022 will be ready for receipt outside Russia any time.
Money transfers sent to Russia before March 24, 2022 and not paid out to receiver in Russia will be returned to the sender outside Russia.
Sender in Russia if decides can get refund of money transfer any time at the location of Russian Post
We would like to note that Western Union MT East acts in full compliance with all requirements of the Russian legislation. All obligations to partners, clients and vendors will be fully completed.
If you still have questions, please contact us.
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How To Send And Receive Money With Western Union
When you need to share your love or receive a much-needed gift, there is nothing better than Western Union. We know how important it is when you need to send money, and with Western Union, you can send money to over 200 countries and territories.
Have you never used Western Union before? Not to worry, as we are here to show you the ins and outs of our money transfer service. From how to send or receive, take a look at how you can use Western Union to share your love with family and friends all over the globe!
How To Transfer And Receive Money Online Through Western Union

There are several ways to do this. If youre sending money to a bank account, its all taken care of online and the recipient doesnt have to do anything other than check their bank account online or at the branch when the money arrives.
If done through Western Unions Netspend Prepaid Mastercard, the same rule applies as the transferring party takes care of it online while the recipient waits for the money to be deposited into their Netspend card.
There is also a separate Netspend app available as a debit card stand-in with more features.
Lastly, it can all be taken care of via the Western Union app, which is available on both iOS and Android platforms.
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How Long Does It Take To Receive Money From Western Union
How long it takes to get your money will depend on the service your sender selects, how they pay, and where in the world they are.
Western Union offers a Money in Minutes service. If your sender uses this, you could collect your payment in cash almost instantly.
If your sender doesnt choose this service, or if your payment is being sent to a bank account directly, the delivery time depends on where the money is coming from. Payments direct to bank accounts sent domestically within Malaysia may be available on the same day or next day after payment³. From other countries, it may take a few days for your money to arrive.
Your sender will see a delivery estimate time when they set up the payment. You can also track Western Union transfers online using your MTCN and personal details, to get live information about when to expect your payment.
Receiving Money Online Or In Person
The most convenient way to get your money through Western Union may be to have it sent directly to your bank account. Youll need to give all your bank details, as well as your full name, address and contact information to your sender. The money will then be delivered directly into your bank account, so there is nothing more to do other than wait.
If you need your money more quickly, or dont have a bank account, you can also get your payment in local cash. In this case you need to give your sender your full name as shown on your ID documents. The sender will then give you a MTCN number, once the payment is set up.
Take your ID document and the MTCN to your nearest Western Union location, and you can get your money in cash, in Australian dollars.
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How Much Will A Transfer Cost With Western Union
Heres an example of the price youll pay if youre sending money with Western Union. We have also included the same payment made with Wise, as a comparison.
Transfer details | |||
---|---|---|---|
AUD1,000 sent to the UK using Wise | 1 AUD = 0.54616 GBP | Fee to pay using bank transfer – AUD5.68 Fee to pay using debit card – AUD9.64 Fee to pay using credit card – AUD14.56 Fee is deducted from the total paid, so the cost is always AUD1000 | Funded by bank transfer: GBP543.06 Funded by debit card: GBP541.03 Funded by credit card: GBP538.22 |
This example neatly illustrates how important it is to look at both the exchange rate and fees used by any international payment provider. Even though the upfront fees are a little higher, the recipient still ends up with more if youre using Wise because the exchange rate is better.
As well as offering great value, Wise payments are convenient and secure – and you can save even more time and money by using a Wise borderless account for your international payments. Hold your money in dozens of currencies, and switch between them for just a low fee whenever you want to – always using the mid-market exchange rate with no markup. Its simple, quick and all done online so you can manage your money on the go.
How To Send Money Online
Sending money online with Western Union is easy. Choose the service thatâs best for you and follow the simple steps below to find out how.
Transaction limits
You can send up to 1.000 EUR within a 5-day period before we ask you to verify your identity.
After that is finished, your send limit will increase to 5.000 EUR per 3-day period.
Payment options
3 Read the restrictions and special notes for the Mobile service.
4 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. Additional restrictions may apply. See online Terms & Conditions for details.
5 Funds will be paid to the receiverâs mobile wallet account provider for credit to the account tied to the receiverâs mobile number. Additional third-party charges may apply, including SMS and account overdrawn charges.
6 Card issuer cash advance fee and associated interest charges may apply.
7 Standard message and data rates from mobile service providers may apply.
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Receiving Money With A Mobile Wallet App
- Do I need only my address and full name to receive money?Community AnswerYou need your government-provided ID card, too.Thanks!
- Can I use a voter card as a government issue ID card?Maria MutautaGenerally, no. The standard ID allowed is passport, national identity card or drivers license.Thanks!
How To Receive Funds Through The Western Union App
Receiving funds through the Western Union app doesnt mean you actually receive it within the app, it will go to a mobile wallet, such as Apple Pay or PayPal, or directly into your bank account.
Most of the process takes place on the senders end.
- Enter the recipients credentials
- Send the money through the app or complete it at a local Western Union
- The recipient receives the money into the mobile wallet or bank account
Its not nearly as quick and easy as the Netspend app but it works just fine as an app-to-app transfer of money.
Also, the Western Union app negates any need to get online traditionally and track the progress of transferred money with an MTCN, as you would normally do.
The Western Union app has several features worth using on top of receiving or sending cash transfers.
- Pay cash to complete transfers
- Send money orders
- Reload prepaid phone minutes
While it might not have all of the glitz and glamour of the Western Union Netspend MasterCard app, its still useful in many ways.
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Frequently Asked Questions About Sending Money To A Bank Account
1. To transfer money to another bank, start by logging in or signing up and verify your free profile. Click âSend nowâ to start your money transfer.2. Enter the destination and amount youâd like to send. Transfer times vary per destination, but youâll be able to see these as you make your selections.3. Select âBank accountâ as the receive method. You can select a past receiver or enter their bank account details. The recipient information youâll need varies by location, but the bank name is mandatory in most countries. You can search for the country you want to send money to for more details on the banking information you need here.4. Pay with your credit1/debit card or bank account.5. We will send you a confirmation email with a tracking number . You can share this number with your receiver to track the funds.
The Western Union® app lets you transfer money to another bank account in just a few taps.
Having Money Sent To Your Bank

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What Are The Transfer Fees
Western Union fee policy depends on several factors that eventually form the final charge payment for almost any transaction. Consider the below-listed merits to understand the algorithm of establishing the fee:
- Destination location
Under the companys strategy, all locations make a different rate. Thus, for example, sending money to Europe creates 20 percent markups, while sending funds to India will only make 1.99 percent of extra fees.
- Payment and receiving methods
Different payment methods have various markups, too. Sending money via a credit card appears to be the most expensive strategy that can build up to 34 USD per transaction. Also, you need to consider your card providers fee policy, which can also withdraw some charges. When receiving the money, claiming cash will be more expensive compared to banking account transfers.
Following the companys policy, exchange rates are based on the currency type and transfer method.
Other Financial Forms
Take a look at a few other financial PDFs accessible for editing in our software. Moreover, remember that you can easily upload, fill out, and edit any PDF at FormsPal.
How To Receive Money To Your Card
Receiving money sent via Western Union® services to your card is easy. You will be asked to register on Western Unions website before using the service.
Follow 3 simple steps below to pick up money directly to your card:
- Choose Receive Money option.
- Log in to your profile.
- Enter your MTCN number, senders name, country, amount and choose a payment card to get your money.
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How To Receive Money Through Western Union In Malaysia
If youre waiting to receive an overseas payment you might be interested in how to receive money from Western Union in Malaysia. Usually youll have 2 options available to get your money¹:
- Cash pick-up at a local agent
- Bank transfer to your regular bank account
Lets look at each option in more detail.
What Are The Fees For Receiving Money From Western Union
All Western Union fees are paid by the sender. As the recipient you will not have to pay any transfer fees. However, its worth noting that Western Union can be a pretty costly option overall. That may mean the sender pays more – or you get less in the end than you would have done with an alternative provider. More on that, below.
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Receiving Money Through Western Unions Netspend Mastercard
This is very similar to carrying a debit card for your checking and/or savings account at a traditional bank.
Its more like the PayPal card in that its not like a traditional bank, even though it has some similar features, such as the debit card and direct deposit.
The most important thing to know is that you will have a routing number and account number, just like a traditional bank account.
So, if someone is sending you money, you would provide them with your account information.
It essentially works just the same as if you were having the money transferred into a standard bank account and it will typically arrive in just a few minutes.
As far as the Netspend Mastercard works, its the same as any other bank account.
How Does The Western Union Netspend App Work
Netspend works in conjunction with Western Union, rather than existing as a Western Union program.
Netspend has been around since 1999, founded as an alternative to traditional banking in a society that is shifting more and more towards cashless transactions.
Netspend partnered with Western Union so that all of your Western Union or Netspend transactions can take place on a Western Union Netspend Mastercard.
If you download the Western Union Netspend Mastercard appavailable on both iOS and Androidyou can do all of the things that you normally can with a bank or through Western Union, just quicker.
Transferring and receiving money works just like it does on PayPal.
You simply provide your contact information to the sender, they send the money using your information, and its in your account, often in just a few seconds.
There are also several different uses for a Western Union Netspend app:
- Send and receive money
- Load checks through photo capture
- View your account balance
- Find Western Union locations or reloading locations
You can do all of these things without ever taking your Netspend Mastercard out of your pocket. There are minimal fees associated with money transfers.
These arent traditional banking institutions, after all, and they dont do not collect interest as in traditional banking.
You can chalk it up to the cost of doing business and the fees as a payment for the service of fast access to cash on the go.
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Send Money For Cash Pickup
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Choose country, amount and delivery method .
- 3
Enter your receiverâs name.
- 4
Pay with your card6
- 5
Youâll get a confirmation by email. Save the tracking number to share with your receiver for pickup.
Send money to a mobile phone
Western Union Account Based Money Transfer

The Western Union Account Based Money Transfer is a new service recently introduced by Western Union to enable customers receive money directly into their bank account in real time without visiting any agent office. The service is fast, reliable, secure and saves you the stress of going to a bank. To use this service, you must have registered for internet banking and have an E-token for online transactions. Heres the procedure:
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