Frequently Asked Questions

Learn more about the Western Union services offered in your country:

Who uses the Western Union Money Transfer service?

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.

What are Western Union agent locations?

Western Union agent locations are independent businesses that provide money transfer service to their customers on behalf of Western Union.

What is the Western Union Money Transfer service offered at agent locations?

Western Union agent locations offer the ability to send money using cash worldwide.

How do I send money from an agent location?

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.

What do I need to send money from an agent location?

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.

How much money can I send from an agent location?

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.

How are money transfers paid out to individual receivers?

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.

How can I find out if my money transfer has been paid?

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.

How can I find out if a money transfer is available for me to pick up?

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.

How do I pick up a money transfer?

You may pick up your money transfer at any agent location. You will need to complete a Receive Money form with the following information:

  • Name
  • Address
  • Amount expected
  • Sender’s name
  • City and country being sent from

Acceptable documentary evidence of identity is also required.

Some restrictions may apply.

What is considered acceptable documentary evidence of identity to pick up a money transfer?

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).

During what hours is the service available?

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.

How do I find a Western Union agent location?

Find a nearby agent location online or look for Western Union in your local telephone directory.

How can I receive money that has been sent to me?

You can pick up your money at any Western Union agent location in Montenegro. You’ll need to provide the following information:

  • Your full name
  • The tracking number (MTCN – Money Transfer Control Number)
  • The exact amount expected
  • Your sender’s full name
  • The country the money came from. A valid government-issued ID

Some restrictions may apply.

What documents can I use to pick up money in Montenegro?

You’ll need to present a valid passport or national ID card to pick up money at a Western Union agent location. Acceptable IDs are subject to the banking laws and regulations of Montenegro.

How do I know if my money transfer has been received?

Simply, track your transfer online for up-to-date information on the latest status of your money transfer. You’ll need the sender’s name and tracking number also known as the Money Transfer Control Number (MTCN).
You can contact our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

How does a Western Union agent pay out a money transfer?

Money transfers will generally be paid in cash. Other restrictions may apply. For more information, please visit your nearest Western Union agent location.

How much does it cost to receive money?

All applicable fees are paid by the sender. The receiver pays no transfer fees.

Can I send money online with Western Union?

Yes, you can send money online from Montenegro by visiting wu.com/me. Once you choose your destination country, you’ll be able to see the types of services available to you.

How do I complete my first money transfer online in Montenegro?

To complete your first money transfer online you will first need to register and create an online profile with Western Union. Once you’ve created your online profile, you will need to go to one of our verification locations with a valid government-issued ID for a one-time in person verification.

After your profile has been registered and verified, follow the below steps to send money online:

  1. Log in to your profile
  2. Select how you will pay for your transfer (debit or credit card)
  3. Enter details of your transfer, including destination country, amount, beneficiary details etc
  4. Accept terms and conditions

Once your transfer is complete, you will be shown your receipt, which includes your tracking number (MTCN).

If you have any questions, please contact us on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

To which countries can I send money online?

Please see our country list to view all countries you can send money online from Montenegro. If you are sending money to a bank account, see this country list.

Please note transfers within Montenegro are also available.

How do I pay for my money transfer online?

You can pay online using a Visa® or Mastercard® credit or debit card issued in Montenegro. Please note that for security reasons, your card must have the 3D Secure SMS checking. If not, please reach out to your bank to get it.

For more details, please call our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email us at wu.online@montenegrotransfers.me.

How much money can I send online from Montenegro?

Once your profile has been created and verified, you can send online 2,000 EUR per transaction. If you wish to send more than the specified limits, you can visit your nearest Western union agent location.

How many credit or debit cards can I add to my profile?

You may add as many Visa® or Mastercard® credit or debit cards issued in Montenegro to your profile as you need. Please note that virtual and pre-paid cards are not allowed. You can always check with our Customer Care service if you have any questions.

How do I know if my online transfer has been approved?

Once you complete the transfer, you’ll be shown a receipt, which will show if your transfer was approved and will provide you with a tracking number (MTCN).

How can I cancel a money transfer after it was sent?

You can request to cancel your money transfer by contacting our Customer Care service immediately if you change your mind, if you have received information that MTCN cannot be paid out to the receiver, or if you suspect fraud. For any other situation, a transfer can only be cancelled if the money hasn’t been deposited to your receiver’s bank account or collected in the destination country.

To cancel a transfer, contact our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me

Where can I find my receipt?

Once you have completed your online transfer, your receipt will be presented to you. You can also see details of all your previous transfers in your profile section on montenegro.wu.com.

What is a Money Transfer Control Number (MTCN)?

The Money Transfer Control Number (MTCN) is a unique number assigned to your transfer. Your receiver will need this number to pick up the money. Do not share it with anyone else. You can use this number to track your transfer online.

Can I send money to a bank account?

Yes, the Western Union direct to bank account service is an easy and convenient way to send funds directly to your receiver’s bank account in selected countries.

To which countries can I send money directly to my receiver’s bank account?

To which countries can I send money directly to my receiver’s bank account?

How do I send money directly to a bank account from Montenegro?

Simply select the direct to bank account service when sending money online or at an agent location. What you need to provide when selecting this service changes from country to country, but usually includes:

  • The receiver’s bank name and code
  • The receiver’s bank account name and number

To find out which countries are available for the direct to bank service, please check the country list

What is a bank code and how do I find my receiver’s bank code?

A bank code is a series of numbers used to identify banks around the world. They can have between 3 and 23 digits depending on the bank and the country.

A bank code could be called:

  • BSB
  • SWIFT Code
  • BIC (Bank Identification Code)
  • CHIPS (Clearing House Inter-bank Payment System) – US and Canada only
  • NCC (National Clearing Code)
  • BSC (Bank Sort Code)
  • IFSC (Indian Financial System Code)

For some countries you may need an International Bank Account Number (IBAN) in addition to the bank code.

Ask your receiver for the bank code and IBAN (if applicable). You can refer to our country list to find out more.

What is a Bank Identification Code (BIC)?

A Bank Identification Code (BIC) is used to identify banks worldwide. BIC is the same as a SWIFT code, and it can be between 8 and 11 digits long.

Ask your receiver if a BIC is required in their country, you can also check our country list for more details.

What is an International Bank Account Number (IBAN)?

An International Bank Account Number (IBAN) is a code used in some countries to identify a customer’s bank account. The IBAN has a letter to identify the country followed by 2 digits, and then up to 35 characters for the bank account number.

You can check our country list to see what details are needed for each country. Ask your receiver for the IBAN if it’s required.

How long does a direct to bank account money transfer take?

Direct to bank account money transfers can change from country to country and can take up to five days*. For more details, please refer to our direct to bank account country list.
* Funds may be delayed or services unavailable based on certain transfer conditions, including amount sent, destination country, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply. See Terms and Conditions for details

Who can use Western Union money transfer services?

Western Union services are for anyone who needs to quickly send or receive money. From travelers and people supporting friends or relatives abroad, to business people who need to make fast international transfers.

Who are Western Union agents?

Western Union agents are our representatives in the different countries where you can send or receive money. They may be banks, post offices, supermarkets, grocery stores, check cashers, mailbox centers, drug stores, travel agencies, depots, airports, train and bus stations, currency exchange offices and other retailers.

How can I find a Western Union agent in Montenegro?

You can easily find an agent location by using our agent locator tool.

How do I send money from an agent location?

Sending money in person is easy, simply follow these steps:

  • Locate your nearest agent using our agent locator tool.
  • Provide the agent with a government-issued ID or passport.
  • Provide the agent your receiver’s information
  • Confirm the country you are sending to

After presenting this information you can give the agent the total amount you want to send, including the applicable service fees. Remember to get the Money Transfer Control Number (MTCN) from your receipt and share it only with your receiver, they will need it to pick up the cash.

What documents can I use to send money from Montenegro?

To send money from a Western Union agent location, you need to present a valid passport or national ID card. Acceptable IDs are subject to the banking laws and regulations of Montenegro

How are money transfers paid out to receivers?

Money transfers will be paid out in cash at a Western Union location or directly to your receiver’s bank account. After you’ve chosen your destination country, you may ask the agent for the types of services available to you. Other restrictions may apply. For more information, please contact a Western Union agent location.

How can I know the status of my money transfer?

You can track your transfer online. All you need is the sender or receiver’s name and the tracking number (MTCN) on the receipt.

Can I send money at any time at an agent location?

Each Western Union agent location determines their own hours of operation. Some have extended hours and some even open during weekends. Find your nearest Western Union agent location.

How do I register online?

To send money online you will need to register and create a Western Union profile. To register, you will need to fill in the profile registration form and complete the following steps:

  1. Provide your mobile phone number for authentication.
  2. Fill in the online registration form with the following information: full name, date and country of birth, city of birth, your full address, occupation and valid ID details (type, number, issuer, issue date and expiration date). Check accepted IDs here.
  3. Once you have successfully registered online, you will be asked to accept the Terms of Profile creation or our online services.

Once you have registered your profile, you will need to visit one of our agent locations for a one-time, in-person verification before you can complete your first money transfer online.

If you have any questions about online registration, please contact our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me

Does it cost anything to register for online services in Montenegro?

No, it’s free of charge.

Who can register and send money online?

Anyone who meets the following criteria can use our online money transfer service.

How many times can I register?

Registration with a valid ID and a phone number is possible only once.

How can I change or update my wu.com profile?

Once you’re logged in, you can easily change or update your wu.com profile by selecting the “Profile” tab, then select “Edit profile” from the menu on the right-hand side. If you have any questions about your profile, please contact our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

What do I do if I forgot my user ID, login password, or repeatedly entered incorrect details?

Your user ID is your phone number and your password is the one-time password that you receive to your phone number. If you have forgotten your password, you can select the “Forgot password” option and a new password will be sent to the number you have provided.

If you repeatedly enter incorrect details or your profile is locked, please try to log in to your profile after 30 minutes or contact our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

What do I do if I want to change or update my password and phone number?

Once you’re logged in you can easily change or update your WU profile by selecting the “Profile” tab. Then, select “Edit profile” from the menu on the right-hand side and change your password. For online registration, you can use only one phone number. If your phone number has changed, then the only way to get access to your profile is by calling Customer Care.

If you have any questions, please contact us on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me

How can I delete my Western Union® online profile?

You can delete your online profile by contacting our Customer Care service on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me.

Does Western Union need to verify my identity?

Yes, once you have registered your online profile, you will need to visit one of the agent locations for a one-time in-person verification before you can complete your first money transfer online.

How long will it take to verify my identity?

After you present a valid government-issued ID at one of the agent locations, you will receive a confirmation via SMS. If you need to send a higher amount before your verification is completed, please visit your nearest Western Union agent location.

What identification documents are accepted?

A valid passport or national ID card are accepted identification documents in Montenegro. Identification documents should have your full name, ID details and date of birth. Please bring the same ID you used to register your profile when visiting a verification location.

Which agent location can verify my profile in Montenegro?

You will be able to verify your online profile at any one of our agent locations on the list. Find your nearest agent location here.

Western Union values its business and takes pride in delivering your funds in the quickest and most reliable way possible. However, it is important that you protect yourself from fraudsters who are out to get your money.

Below are some frequently asked questions about fraud. For more information, please visit the fraud awareness section.

Are there common fraud scenarios that I should be aware of and things I shouldn’t send my money for?

Yes. Only use Western Union to send money to friends and family. Never send money to someone you have not met in person. Scammers sometimes encourage people to transfer money. Do not transfer money to anyone who asks you to send them money:

  • For an emergency situation you haven’t confirmed.
  • For an online purchase.
  • For anti‐virus protection.
  • For a deposit or payment on a rental property.
  • To claim lottery or prize winnings.
  • To pay taxes.
  • For a donation to charity.
  • For a mystery shopping assignment.
  • For a job opportunity.
  • For a credit card or loan fee.
  • To resolve an immigration matter.

If you transfer money, the person you’re sending it to gets the money quickly. After the money is paid, Western Union may not be able to give you a refund, even if you are the victim of fraud, except under limited circumstances.

Someone claiming to be from Western Union e-mailed me. What should I do?

If you receive an email from anyone claiming to be from Western Union and you are unsure about it, do not click on any links in the email. This may be a “phishing” attempt to acquire sensitive information from you. Instead, immediately contact customer care center on +382 20 321 321 from 7:30 to 22:00 on weekdays, 8:00 to 22:00 on Saturdays and 10:00 to 22:00 on Sundays for support in Montenegrin or English. You can also email wu.online@montenegrotransfers.me or visit any Western union agent location near you.

Please note Western Union WILL NEVER send you emails to ask for your user ID, password, or credit card details.

 

What is a test question? When is it used?

In some countries, senders are asked to provide a ‘Test Question’ and the answer when they initiate the transfer. In cases where a ‘Test Question’ was provided by the sender, the receiver may be required to give the answer when picking up the funds. The ‘Test Question’ feature is designed for emergency situations where the receiver still needs to provide proper identification. It should never be used as additional security or to delay payment. In many places, we’ll pay the receiver whenever the receiver shows proper identification, even if he/she does not know the answer to the question. Test question is not available for payout in Montenegro.

Can the Test Question feature secure my funds or delay payment of a transfer?

In some countries, senders are asked to provide a ‘Test Question’ and its answer when they initiate the transfer. In cases where a ‘Test Question’ was provided by the sender, the receiver may be required to give the answer when picking up the funds. The ‘Test Question’ feature is designed for emergency situations where the receiver still needs to provide proper identification. It should never be used as additional security or to delay payment. In many places, we’ll pay the receiver whenever the receiver shows proper identification, even if he/she does not know the answer to the question. Test question is not available for payout in Montenegro.

What can I do if I suspect fraud or am a victim of fraud?

You should immediately visit our agent location for assistance with a transaction that you believe was sent for fraud. You should also file a report with your local law enforcement. You should also contact your government’s Office of Consumer Affairs and police station if you are uncertain or suspicious of a telephone, mail, or e-mail solicitation.

What additional tips should I keep in mind?
  • Always make sure you know who you are sending money to.
  • Discontinue a call if a caller coaches you to respond to questions asked by Western Union.
  • Security is everyone’s responsibility. Stay informed. Keep abreast of new fraud trends.

Remember, if it seems too good to be true, it probably is.

More information about how to protect yourself from fraud.

What is a Western Union agent?

Each Western Union agent is an independent business that is authorized to sell services of Western Union.

How can I find a nearby Western Union agent?

Use our online agent location tool to find an agent location near you. Or, check your local phone directory.

Why am I unable to use Western Union services after receiving the message “Additional info needed, go to westernunion.com/gcr”?

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.

Why do I need to provide additional information?

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.

How can I use Western Union services again?

To have access to our services again, follow the steps below:

  1. Gather the required documents. Please note that these will vary depending on your reason for using Western Union and your relationship to the person or entities you’re transacting with. At minimum you must be prepared with your government-issued photo ID, documents that relate to your purpose for using Western Union, proof of the source of the funds, and any additional documents that may provide support for the answers provided on the questionnaire. For more information, go to Help section at westernunion.com.
  2. Go to westernunion.com/gcr and start the customer questionnaire.
  3. Complete the customer questionnaire:
  • Personal information:
    – Provide your first, middle (optional) and last names as they appear on your ID.
    – Share your current email, physical address and mobile number. Please make sure you provide an active email address for communication purposes.
    – Specify your country of birth.
    – Select your occupation and provide additional clarification if needed.
    – Enter a recent tracking number (MTCN) if available.
    – Upload a copy of your valid government-issued photo ID.
  • Relationships:
    – List people or entities you’ve transacted with using Western Union.
    – For each person or entity, enter the full name, relationship, purpose of transaction and upload supporting documents.
  • Source of funds:
    – Choose the source of funds from the drop-down list and upload supporting documents.
  • Third party details (if you are transacting on behalf of someone else) (if applicable):
    – Explain the purpose of transaction(s) and your relationship to the third party.
    – Provide the details related to the third party.
  • Fraud (if applicable):
    – Indicate if you’ve been a victim of fraud or scam.
    – If yes, share a brief description of what happened.
  1. Review the accuracy of the information you provided.
  2. Select Submit questionnaire to complete the process.
What documents are suitable and why does Western Union need them?

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.

What happens after I provided the additional information?

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.

Are my documents safe?

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.