Learn more about the Western Union services offered in your country:
Anyone who needs to send or receive money quickly. This often includes people who are supporting friends or relatives living in a foreign country, travelers, and business people who need to make fast international remittances.
Western Union agent locations are independent businesses that provide money transfer service to their customers on behalf of Western Union.
Western Union agent locations offer the ability to send money using cash worldwide.
The sender initiates the transaction by completing a Send Money form and paying the agent cash to cover the transfer amount plus applicable fees. The agent immediately processes the transaction.
To pick up the money, the receiver completes a Receive Money form at any Western Union agent location and provides proper identification. The agent then pays the transfer amount to the receiver.
Sending money with the Western Union money transfer service from an agent location does not require credit cards, debit cards, bank accounts, or memberships. You will need to show valid identification.
You can usually send any amount you wish. However, for certain amounts and transfers, you may be subject to certain security compliance requirements and may have to provide additional information or documentation.
Generally, we pay your money transfer in cash but in some cases, pay out may be made in the form of a money transfer cheque, a combination of cash and cheque, and in some locations, directly to your bank account. Learn more about depositing directly to a bank account. Other restrictions may apply.
Any time after the money transfer has been sent, you can check your transfer status online. All you need is your name and the tracking number (MTCN) printed on your receipt to verify if the money transfer has been paid.
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 to determine if the money is available for pick up.
You may pick up your money transfer at any agent location. You will need to complete a Receive Money form with the following information:
Acceptable documentary evidence of identity is also required.
Some restrictions may apply.
Primary identification verifying the full name (birth certificate, etc.) and one form of non-primary identification verifying the current or permanent address (e.g. utility bill, a letter from a hostel manager confirming temporary residence).
Each Western Union agent location determines its own hours of operation, and most maintain extended hours, or even stay open around the clock.
Find a nearby agent location online or look for Western Union in your local telephone directory.
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.
Refunds typically take up to 10 business days from the date they are completed.
Bring a valid government-issued ID and the tracking number (MTCN).
Visit our website and select Track Transfer. You’ll need the name of the person who sent you the money and the tracking number (MTCN).
Generally, we pay your money transfer in cash but in some cases, pay out may be made in the form of a money transfer cheque, a combination of cash and cheque, and in some locations, directly to your bank account. Learn more about depositing directly to a bank account. Other restrictions may apply.
Each Western Union agent is an independent business that is authorized to sell services of Western Union.
Use our online agent location tool to find an agent location near you. Or, check your local phone directory.
You’ll need a computer, an internet connection, and depending on your country of residence, a printer at your retail location. Once you’ve installed the software we’ll provide, you’ll be able to offer money transfer services and earn a commission on every Western Union money transfer that’s sent or received from your retail locations(s).
Each time a consumer sends a Western Union money transfer, they pay a transfer fee for the service. As a Western Union agent, you’ll earn a commission on the transfer fee for every transaction you process. The more transactions you send or receive, the more you earn.
We’ll provide the fee tables. The system will automatically calculate the fee based on the amount of money sent, the service chosen, and the destination country.
To send money: The consumer completes a Send Money form and gives it to the Western Union agent. The agent enters the consumer’s information into the Western Union system, checks their identification, and collects the cash (including the sending fee). The agent ensures that the consumer signs the receipt and provides them with a copy.
To receive money: The consumer completes the Receive Money form and gives it to the Western Union agent. The agent enters the consumer’s information into the system, checks their identification, and gives the consumer the funds and a copy of the receipt.
Yes, your customers will be able to send money to more than 515,000 agent locations in more than 200 countries and territories around the world. You’ll also be able to pay out money that’s been sent from any Western Union location across the world.
Once you’ve been enrolled as an agent, Western Union will help you get started and make your first transaction. You’ll get a free starter pack, with training and marketing promotion materials. We’ll provide training and software free of charge. As a Western Union agent, you’ll have access to customer support to answer any questions you may have about offering our service.
While all money transfer agents have a responsibility to implement Anti-Money Laundering (AML) compliance procedures, Western Union has an industry-leading AML program and provides first-class training and support to help you succeed as an agent and protect your business.
Many retail businesses make great Western Union agents. Agents in our network own businesses as diverse as convenience stores, financial services providers, newsagents, pawnbrokers, and travel agencies.
Yes, but Western Union will handle this for you.
To protect our customers, we review every money transfer to make sure it’s safe. For a variety of reasons, we may ask you to provide us with more information before we can allow you to continue using our services.
We need additional information to understand why you use Western Union and the relationship between you and the person or entities you’re transacting with. The more information you provide, the quicker we’ll be able to complete your request.
To have access to our services again, follow the steps below:
a. Valid government-issued photo ID is needed to verify your identity.
Examples: passport, driver’s license, national ID.
b. Source of funds is needed to make sure that the money transfers are not related to illegal acts and correspond to the nature of your activity.
Examples: at least the latest 3 months of bank statements, at least the latest 3 months of pay slips, employment contract with salary, loan papers, sale agreement, winning receipt, tax return statement, etc.
c. Purpose of money transfer or intended use of money is needed to understand the basis for making the payment and the type of relations between the sender and the payee.
Examples:
Personal remittance/family support – the following documents are suitable to prove relationship: pictures with persons you transacted with, marriage certificate, counterparty’s birth certificate, counterparty’s government issued ID, etc.
Business remittance/payment for goods/services – bills, receipts, sale or purchase agreements, etc.
Education – evidence of tuition fees, etc.
Medical expenses – hospital bills, pharmacy receipts, health insurance premiums, etc.
Charity support – written acknowledgment from the charity, etc.
Purchase home – purchase agreement, mortgage documents, etc.
Gift – receipts, etc.
Travel expenses – travel tickets, hotel bookings, etc.
d. Third party activity (sending or receiving money on behalf of individual or business) information is needed to understand the purpose and nature of your relationship with Western Union.
Examples: business registration documents, letter of authorization by the company or notary, bank statement showing access to third party funds, etc.
After we’ve received your completed questionnaire and required documentation, we’ll email you a response within 3 business days.
In case we have additional questions, we may contact you via the email address provided in the questionnaire.
We’re committed to the security of your personal information. We use organizational, technical and administrative safeguards that comply with applicable government laws and regulations to secure your personal information. We also restrict access to the personal information that we process to only our employees, agents and representatives that have a business need to know it. For more information, read our Terms and Conditions and Online Privacy Statement.
If you have questions that are not answered here, please contact us.
1 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.