But if you still want to know more, please call our Western Union Customer Care number at +65 6336 2000, for English and Chinese (Mandarin only from 8 am to 12 am).
To reach Customer Care, please use Contact us page.
About UPI
Unified Payment Interface (UPI) is a payment method that allows you to instantly transfer money to a bank account in India.
Understanding UPI ID
UPI ID is a virtual payment address (VPA) that uniquely identifies one person. A UPI ID format is like an email ID: with the sign “@” in the middle. For example, your receiver’s UPI ID could be “receiver’s_name@bank_name” or “phone_number@bank_name.”
When sending with a UPI ID, you only need to have your receiver’s UPI ID. You do not need to ask receivers for their account number, account type, bank name, or IFSC code.
To receive the payment, the receiver needs to have their UPI ID linked to the bank enabled for international UPI remittance. Please see below the list of banks that support international UPI.
Current list of banks that support international UPI transfer
Below are the banks currently supported. More banks will be made available soon.
| •Abhyudaya Cooperative Bank Limited | •Janata Sahakari Bank Limited | •Airtel Payments Bank Limited | •Jana Small Finance Bank Limited |
| •Andhra Bank | •Karnataka Bank Limited | •The Andhra Pradesh State Cooperative Bank Limited | •Kalupur Commercial Cooperative Bank |
| •Andhra Pragathi Grameena Bank | •Kalyan Janata Sahakari Bank | •Andhra Pradesh Grameena Vikas Bank | •Kotak Mahindra Bank Limited |
| •Apna Sahakari Bank Limited | •Kerala Gramin Bank | •Bassein Catholic Cooperative Bank Limited | •The Karanataka State Cooperative Apex Bank Limited |
| •Bank Of Baroda | •Karnataka Vikas Grameena Bank | •Bandhan Bank Limited | •Laxmi Vilas Bank |
| •Dena Bank | •Bank Of Maharashtra | •Bank Of India | •Maharashtra Gramin Bank |
| •Central Bank Of India | •Mahanagar Cooperative Bank | •City Union Bank Limited | •The Mehsana Urban Cooperative Bank |
| •Canara Bank | •Oriental Bank of Commerce | •Corporation Bank | •G P Parsik Bank |
| •The Cosmos Co Operative Bank Limited | •Pragathi Krishna Gramin Bank | •Catholic Syrian Bank Limited | •Punjab And Sind Bank |
| •Development Bank of Singapore | •Punjab National Bank | •DCB Bank Limited | |
| •Deustche Bank | •Ratnakar Bank Limited | •Deutsche Bank (Bij Alle Sepa-Transacties) | •Rajkot Nagrik Sahakari Bank Limited |
| •Dhanalakshmi Bank | •State Bank of India | •Equitas Small Finance Bank Limited | •Standard Chartered Bank |
| •Federal Bank | •South Indian Bank | •Fino Payments Bank | •The Surath Peoples Cooperative Bank Limited |
| •Fincare Small Finance Bank Ltd | •Saraswat Cooperative Bank Limited | •The Gujarat State Cooperative Bank Limited | •Suryoday Small Finance Bank Limited |
| •Hasti Coop Bank Ltd | •The Shamrao Vithal Cooperative Bank | •HSBC Bank | •Syndicate Bank |
| •IDBI Bank | •The Thane Bharat Sahakari Bank Limited | •ICICI Bank Limited | •TJSB Sahakari Bank Limited |
| •IDFC Bank Limited | •Tamilnad Mercantile Bank Limited | •Indian Bank | •The Tamil Nadu State Apex Cooperative Bank |
| •Indusind Bank | •Union Bank Of India | •Indian Overseas Bank | •UCO Bank |
| •India Post Payment Bank | •Ujjivan Small Finance Bank Limited | •Jammu And Kashmir Bank Limited | •Axis Bank |
| •Jio Payments Bank Limited | •The Varachha Cooperative Bank Limited | •Janakalyan Sahakari Bank Limited | •Vijaya Bank |
| •Karur Vysya Bank | •The Vishweshwar Sahakari Bank Limited | •Vasai Vikas Sahakari Bank Limited | •Yes Bank |
Send limits using UPI
Currently, you can send up to 200,000 INR per transfer.
Steps to send money using a UPI through Western Union
Western Union is the first money transfer service company to use a UPI transfer internationally.
1. Log in to your Western Union profile.
2. Choose India as your receiving country (you will need to know your receiver’s mailing address).
3. Choose to send using a bank pay out and use any payment method.
4. Choose UPI ID under the bank information section. You’ll be able to browse all the banks enabled for international UPI transfer.
5. Choose to send your transfer, and you’re all set. Generally, your transfer should be completed in minutes.
You can send money online using the Western Union app or through WU.com.
After you’ve chosen your destination country, you’ll see the types of services available.
Learn more about how to send money online.
For your first money transfer online you will need to create a personal online profile and then have your identity verified. Once your profile is verified, you will be able to send money online. Keep in mind that if your profile cannot be verified right away, you can still transfer money by starting their transfer on the app and paying it at the nearest agent location.
If you have any questions while registering, If you have any questions, contact Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
Yes, you can. If you made a money transfer at a Western Union agent location in the last 6 months, your data was already stored in our records.
You will be asked to verify your identity while registering your profile or sending money online for the first time. Be sure to submit the same ID details that you had shared during your in-store transfer at the agent location. We will then compare both IDs, including your full name, ID type, ID number, and date of birth. If the details match, your profile will be verified. If the details don’t match, or if your ID has expired, you will be guided to use the Selfie KYC option (online verification).
Verification may take a few minutes. Once your ID verification is complete, you will be able to send money online right away.
If you have any questions, contact Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am
You will be asked to verify your identity while sending money online for the first time—if you are paying for the transfer using a debit or credit card*. (Note: If you are paying by cash, you do not have to go through the online verification process).
Follow these steps to verify your ID:
Once your ID verification is complete, you will be able to send money online right away.
If you have any questions, contact Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am
*If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply. You can avoid these fees by using a debit card.
You can check online all the countries you can send money to. If you would like to use our direct to bank account service, please check the countries that have this option available with our country locator tool.
Transfers within Singapore are not available.
You can pay for your money transfer online with your debit or credit card (Visa® or Mastercard® only), or via direct bank transfer using DBS FAST (Fast and Secure Transfer) only.
If you have any questions, contact Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
If you use your credit card, you may be charged an additional cash advance fee by your card issuer for this service. You may be able to avoid the fee if you use a debit or prepaid card. Contact your issuing bank for any questions related to cash advance fees.
Verified users can now send up to 20.000 SGD per transfer using PayNow to transfer money to a receiver’s bank account.
For other payment method combinations, the limit per transaction remains 5.000 SGD.
Terms and Conditions apply*.
*Send money limits may vary. For more information contact Customer Care.
Your online receipt will show whether your transfer has been approved. When the transfer is complete, you’ll get an email with your money tracking control number (MTCN).
An online money transfer can only be cancelled if it has not been collected by the receiver in the destination country.
If you wish to cancel your money transfer, please contact Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
Yes, a receipt will be sent to your email after the transfer is completed. You can also see the details of all your transfers in your “History” section on the Western Union app or at wu.com.
The Money Transfer Control Number (MTCN) is a unique number assigned to your transfer.
Your receiver will need this number when they pick up their money, and it can also be used to track your transfer.
To request a refund, contact Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
You will need to provide your money transfer details including the tracking number (MTCN). You may also be required to share your bank statement for additional verification. To do so, send a PDF image clearly displaying your name, bank name, account number, and transfer details to the aforementioned email address. Upon raising a request, you will receive a ticket number. Use it to track the status of your refund. We will also share the details of your refund via email. Collect your refund at selected Western Union agent locations when it’s ready for pickup.
Once we receive your refund request, your money transfer details will be verified, and your request will be processed. It will usually take 24 hours to generate a new MTCN (tracking number), which you can use to pick up your refund.
Western Union does not store your bank account details due to the bank’s policy. Thus, your refund cannot be transferred directly into your account.
You can pick up your refund at any of these Western Union agent locations:
| Locations list |
|---|
| Lucky plaza |
| 4 Kerbau Road |
| Jurong Point |
| Penjuru RC |
| Ang Mo Kio MRT |
| Golden Mile Complex |
| Lucky Chinatown |
| Fortuna Hotel |
| Ubi |
| Woodlands RC |
| Yishun Interchange |
| Jurong East |
| Tuas View Dormitory |
| Kranji Industrial |
| Kaki Bukit RC |
| Paya Lebar MRT |
| Jalan Terusan RC |
| Tuas South RC |
| Choa Chu Kang MRT |
| PPT Lodge 1B |
| Tampines MRT |
Enter the location name in our location finder for the full address.
KYC stands for Know Your Customer, a process used by Western Union to verify a customer’s identity. While registering your Western Union profile, you will be asked to verify your identity through Selfie KYC.
Selfie KYC allows you to verify your identity online by uploading a valid identification document and then taking a selfie—a photo of yourself taken with a smartphone camera or a webcam. Once your profile is successfully verified, you will be able to send a money transfer online.
It is important that you submit a clear photo of yourself for Selfie KYC verification. Here are some tips to get a good selfie:
You can make up to 5 transfers to the same receiver on Alipay wallet within a 30-day period starting from the date of the first transfer. If it’s urgent, you can always choose a different payout method such as bank account or cash.
Western Union services are for anyone who needs to send or receive money quickly. From travelers, people supporting friends or relatives abroad, to business people who need to make faster international transfers.
They are our representatives in the different countries you need to 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.
Finding an agent location in Singapore is easy, go to our agent locator tool.
Once you get to our agent location, you will be asked to provide the following:
Your money will be available in minutes to your receiver after the transfer is completed.
You need to present any official government-issued ID such as: a valid National Registration Identity Card (NRIC) or a driver’s license. If you are a foreigner in Singapore, you will need to present a Foreign Identity Number (FIN), a work permit issued in Singapore or an international passport .
Acceptable IDs are subject to the banking laws and regulations of Singapore.
You can send any amount at an agent location in Singapore. However, for some transfers, you may have to provide additional information or documentation.
Money transfers will generally be paid in cash, as well as directly to a receiver’s bank account or mobile phone if the service is available.
Other restrictions may apply.
To get more information about restrictions, contact a Western Union agent or Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
You can check your transfer status online, all you need is the sender’s name and the Money Transfer Control Number (MTCN) printed on the sender’s receipt.
Each Western Union agent location determines its own hours of operation. Some have extended hours and open during weekends.
Find a nearby Western Union agent location with our agent locator tool.
You need to present any official government-issued ID such as: a valid National Registration Identity Card (NRIC) or a driver’s licence. If you are a foreigner in Singapore, you will need to present a Foreign Identity Number (FIN), a work permit issued in Singapore or an international passport .
Acceptable IDs are subject to the banking laws and regulations of Singapore.
Currently, receiving money online is not available. For other options please check our Receive money page.
You can got to track a transfer on the homepage at wu.com or on the Western Union app. Then type in the sender’s name and MTCN (Money Transfer Control Number). We will then update you on the latest status of your money transfer. Check your money transfer status now.
If you have any questions, contact Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
You can pick up the money at any Western Union agent location. You’ll need to provide the following information:
Acceptable IDs are also required.
For more information, contact a Western Union agent or Customer Care number at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
Money transfers will generally be paid in cash, as well as directly to a receiver’s bank account or mobile phone if the service is available.
To get more information about restrictions, contact a Western Union agent or Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
All fees are paid by the sender. Receiving money is free of charge.
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 here.
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:
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.
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 mail. This may be a “phishing” attempt to acquire sensitive information from you. I
Immediately contact a Western Union agent or Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am
Western Union will never send you e-mails to ask for your user ID, password, or credit card details.
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 Singapore.
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 Singapore.
You should contact the Western Union Fraud Hotline at +65 6336 2000 immediately 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.
Western Union agent locations are independent businesses that provide money transfer services to their customers on behalf of Western Union. They are our representatives in the different countries you need to 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.
Use this link to find an agent location near you.
You’ll need to provide a valid identification document, transaction details, and pay the agent the amount you want to send, plus fees, in cash.
Western Union agent locations offer the ability to send and receive money around the world using cash.
You can usually send up to 3,000 SGD. However, for certain amounts and transfers, you may be required to provide additional information or documentation as follows:
A National Registration Identity Card (NRIC) or a driver’s licence. If you are a foreigner in Singapore, you will need to present a Foreign Identity Number (FIN), a work permit issued in Singapore or an international passport for sending money at a Western Union agent location.
Acceptable IDs are subject to the Central Bank of Singapore rules and regulations.
Registration is required for most of our services. After you download the Western Union app or visit wu.com, you’ll need to complete the profile registration form and follow these steps:
If you have any questions while registering, contact Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am
While creating your online profile you will be asked to enter your ID type, number, issuer, issue date and expiration date. Please make sure you have a valid National Registration Identity Card (NRIC) or a driver’s licence. If you are a foreigner in Singapore, you will need to present a Foreign Identity Number (FIN), a work permit issued in Singapore or an international passport
For the “Video chat” option, you will be asked to show the front and the back side of your ID. Verification takes just a few minutes.
For the “Based on previous in-store records” option, you will be requested to enter the same information on the ID you used for sending money in-person at an agent location. Verification is instant.
If your ID has expired, you will be asked to verify your ID again using the video identification option. If video identification is not available due to operating hours, then you may visit the nearest agent location and send money in person.
No, it’s free to register.
Anyone who meets the following conditions can use our online services:
Registration with a valid identification document and an email address is possible only once.
You can change or update your Western Union profile information from the “Profile overview” tab after you log in on www.westernunion.com.
After your identity is verified you cannot change your name, surname, date of birth and nationality.
If you need to change your information after your identity is verified, contact Customer Care at +65 6336 2000 or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am
Your User ID is your email address.
If you forgot your password, you can click on “Forgot password” option and a new password will be sent to your email.
If you repeatedly entered incorrect details or your profile is locked, please try log in to your profile in 30 minutes.
For help, contact Customer Care at +65 6336 2000 for or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
You can change your password on the “Profile overview” page after you log in. Please select “Edit profile” from the right-side menu and change your password.
For online registration, you can use only one email address. After you verify your email, it cannot be changed.
Please contact Customer Care at +65 6336 2000 for or chat with us.
Note: English and Mandarin Customer Care representatives are available from 8am to 12am.
On the ‘Forgot password’ page, provide your registered mobile number and request for a security code. Enter the 4-digit security code that you’ll receive on your mobile number, answer a quick security question, and you’ll be able to create a new password.
There may be a technical error or a network issue due to which you didn’t receive a security code. In such case, you can still reset your password using the password reset link sent to your registered email ID.
Currently, the security code can be requested only on a Singapore mobile number. If your registered mobile number is from a different country, we suggest you reset password using the password reset link sent to your registered email ID.
It’s possible that your phone number is associated with multiple profiles due to which you are getting an error. For security reasons, you cannot reset password with a phone number associated with multiple profiles. In this case, we suggest you reset password using the password reset link sent to your registered email ID. You can update a new phone number by visiting your profile and can reset password with this new number in the future, if required.
The security question adds an extra layer of protection to your profile. This question is used to verify your identity to help protect you against an unauthorized user gaining access to your profile.
Your registered phone number needs to be a mobile number to receive the security code for resetting the password. In such case, we suggest you reset your password using the password reset link sent to your registered email ID.
Western Union continues to monitor the COVID-19 (Coronavirus) developments closely. Our primary concern is the safety of our customers and employees, as well as the well-being of those impacted. Here, you can find answers to questions that you might have about how our services may change during this time. We will keep this information updated as the situation develops.
We are sorry for the inconvenience. Given the ever-changing situation, we recommend those experiencing local restrictions due to COVID-19 visit westernunion.com or use our mobile app to send transfers for payout directly to a bank account or a digital wallet.
Your transfer will be available for 30 days. After this time, your sender will have to contact our Customer Care to restart the transfer or cancel the transfer for refund.
For security reasons, only the designated receiver can pick up a transfer. However, you can ask your sender to contact our Customer Care to cancel that transfer and start a new one. Your sender can then transfer money online directly to a bank account or a mobile wallet, if available.
Please be aware of the risk of fraud and phishing, especially during this time, and take extra caution when sending money:
Please visit our Fraud awareness page to learn more and check current Coronavirus-related online scams.
We have no reason to believe that banknotes are more likely to spread viruses like Coronavirus than any other surface. The guidance from the World Health Organization remains that basic hygiene is the best possible defense against Coronavirus.
Western Union and the Western Union Foundation launched a $1M USD global appeal and is accepting donations through May 15th Western Union and the Western Union Foundation will match up to $500,000 USD in donations to go toward supplies, equipment, and frontline medical aid. Donate here.
Online ID verification is a process we follow to verify our customers’ identity. After you’ve registered your Western Union profile, you can choose to verify your identity through Online ID verification by
After your profile is successfully verified, you will be able to start sending money.
1.Fill in the online registration form and provide us the following information:
2.Online ID verification
Enter the following details:
If you are uploading an ID, follow the below instructions
The following documents are accepted for Singapore.
It may take up to 24 hours to verify your profile information. Please contact Customer Care if you face any issues issue getting your profile verified.
Your online ID verification may be rejected due to any of the following reasons:
You can get verified through physical verification at our agent locations.
To ensure a successful online ID verification, it is important that you submit a clear photo of yourself for verification. You must also submit a clear photo of your valid ID.
Here are some tips to capture a clear selfie:
This may be due to a technical error. Please log out from your profile and log in again to retry scanning your ID and taking your selfie.
After your profile is verified, you can send up to 5000 SGD per transfer.
My WU is a free loyalty program from Western Union. You can register on westernunion.com or our mobile app.
Learn more about My WU program
Earning reward points is currently disabled in the program. If you are a My WU member, we will notify you about our new rewards program.
On our website and app:
The discount will be automatically applied to your next transfer fee.
Via the My WU portal:
The discount will be applied automatically to your next transfer fee.
You can use your My WU points till they expire as per My WU terms and conditions.
Earning reward points is currently disabled in the program. If you are a My WU member, we will notify you about our new rewards program.
Yes, you can continue to redeem your My WU points until their expiry.
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.
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.
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.
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.
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.