Send money to a bank account

Whether you’re sending money via credit¹ card to a bank account or using cash at a Western Union agent location, to make an international money transfer you need the following details from your receiver:

• Full name
• Country
• Bank name
• Bank identifier code (BIC)
• Account number (IBAN).

Money transfer times vary country to country, but it usually takes one to three working days³. To some countries and partners, your money may be delivered on the same day, whereas others take longer. For example, a bank transfer to Ukraine can arrive in one-to-two business days, whereas a money transfer to Argentina can take one-to-six business days. If you’re ever in doubt, we provide estimates of transfer times before you commit.
For a full breakdown of money transfer times, eligible countries, and bank information, see our bank transfer details page.

Our transfer fees² vary depending on the destination country, money transfer amount, and payout method. Use our online price estimator to see how much it could cost to transfer money to your receiver online – including the transfer fees² and transfer total – with no obligation.

Transfer fees² to send money online or via the Western Union^® app can vary. When you transfer money in person, any transfer fees² you’re charged by Western Union, and the exchange rates applied, are explained in the money transfer form provided to you at the agent location.

If you’re using a credit¹card to transfer money online a credit card issuer cash advance transfer fee and associated interest charges may apply. You can avoid these fees by using a debit card.

Our transfer times vary depending on the money transfer method and your receiver’s country. Often, a fast way to send money is for cash pickup at an agent location – as money can arrive in minutes³. You can send money online or via the Western Union^® app for cash pickup.

When you start a money transfer online you can also check the estimated delivery times after you enter the send amount, payment and receiving method. Sending to a bank account and paying by Sofort or credit¹/debit card are sometimes quicker than making a bank-to-bank transfer – though it depends on the destination.