How to send money with us

Send money now

Choose how you want to send money with Western Union:

  • Online

    Set up your online profile and send money easy anytime.

  • On our app

    Use the Western Union® app to send money on the go.

  • Spot-_-WU-retail-location

    Start online, pay in store

    Send your money by starting your transfer online and paying in store.

  • At an agent location

    With more than 600 agent locations1 in Togo, finding one near you is easy.

Depending on your receiver’s country, you can choose one of these payout methods:

  • Bank account

    Send money directly to your receiver’s bank account

    Send money

  • Cash pickup

    Transfer money online to hundreds of thousands agent locations worldwide.

    Find a location

  • Mobile Wallet

    Send money online directly to your receiver’s mobile wallet in select countries.

    Learn more

How to send money?

Simply choose your preferred method and follow our step-by-step guide.

Register and start your transfer right away with our fast and convenient online services.

Send money online for a cash pickup

Your receiver can pick up your cash transfer at any of our 600+ agent locations1 in Togo, or at any of our hundreds of thousands of agent locations around the world.

  1. Open your profile. Register or log in, then choose the ‘Send Money’ option.
  2. Verify your profile. If you haven‘t verified your profile, go through the verification process first to be able to send money online.
  3. Fill in your money transfer details.  Choose ‘Cash pickup’ as the method for receiving money and make sure to include your receiver’s complete information2.
  4. Pay for the transfer.  You can pay with a debit, credit or a prepaid card (issued in WAEMU7 region) or with a bank transfer. If you choose the latter option, you will need to log in to your bank’s website and transfer the total amount to Orabank’s account3  in order to complete the transaction.
  5. Track your transfer. On your receipt page, you will find your tracking number (MTCN), which you can use to track your transfer.
  6. Inform your receiver. Share the MTCN with your receiver and let them know that the cash is ready for pick-up at one of our agent locations. Do not disclose your money transfer details to anyone except your intended receiver.
Send money online to a bank account

You can send money directly to your receiver’s bank account around the world. You may also check our direct-to-bank country information to know if this service is available in your destination country.

  1. Know your receiver’s bank details. Typically, you’ll need your receiver’s bank name and code, as well as their bank account number. Learn more about what bank details are needed4.
  2. Open your profile. Register or log in, then choose the ‘Send Money’ option.
  3. Verify your profile. If you haven‘t verified your profile, go through the verification process first to be able to send money online.
  4. Fill in your money transfer details.  Choose ‘Bank transfer’ as the method for receiving money and make sure to include your receiver’s complete information2.
  5. Pay for the transfer.  You can pay with a debit, credit or a prepaid card (issued in WAEMU7 region) or with a bank transfer. If you choose the latter option, you will need to log in to your bank’s website and transfer the total amount to Orabank’s account3  in order to complete the transaction.
  6. Track your transfer. On your receipt page, you will find your tracking number (MTCN), which you can use to track your transfer.

I have questions about direct-to-bank transfer

How soon can my receiver get the money?

It will vary from country to country. This may be same day but can take up to five working days5. You may check our direct-to-bank country information for more details.

Send money on the go with Western Union® app

Send money with the app for a cash pickup

our receiver can pick up your cash transfer at one of our 600 agent locations1 in Togo, or at any of our hundreds of thousands of agent locations  around the world.

  1. Download the Western Union® app. Download the app here then register or log in to your profile and proceed to ‘Send Money’.
  2. Verify your profile. If you haven‘t verified your profile, go through the verification process first to be able to send money on the app.
  3. Fill in your money transfer details.  Choose ‘Cash pickup’ as the method for receiving money and make sure to include your receiver’s complete information2.
  4. Pay for the transfer. You can pay with a debit, credit or a prepaid card (issued in WAEMU7 region) or with a bank transfer. If you choose the latter option, you will need to log in to your bank’s website and transfer the total amount to Orabank’s account3  in order to complete the transaction.
  5. Track your transfer. On your receipt page, you will find your tracking number (MTCN), which you can use to track your transfer.
  6. Inform your receiver. Share the MTCN with your receiver and let them know that the cash is ready for pick-up at one of our agent locations. Do not disclose your money transfer details to anyone except your intended receiver.
Send money with the app to a bank account

You can send money directly to your receiver’s bank account around the world. You may also check our direct-to-bank country information to know if this service is available in your destination country.

  1. Download the Western Union® app. Download the app here then register or log in to your profile and proceed to ‘Send Money’.
  2. Verify your profile. If you haven‘t verified your profile, go through the verification process first to be able to send money on the app.
  3. Fill in your money transfer details.  Choose ‘Bank transfer’ as the method for receiving money and make sure to include your receiver’s complete information2.
  4. Pay for the transfer. You can pay with a debit, credit or a prepaid card (issued in WAEMU7 region) or with a bank transfer. If you choose the latter option, you will need to log in to your bank’s website and transfer the total amount to Orabank’s account3  in order to complete the transaction.
  5. Track your transfer. On your receipt page, you will find your tracking number (MTCN), which you can use to track your transfer.
Start online and pay in store for a cash pick up
  1. Open your profile. Register or log in, then choose the ‘Send Money’ option.
  2. Fill out your money transfer details. Enter the destination, amount and other necessary details, then choose “Pay Cash in store” as a payment method.
  3. Enter your receiver’s details. Your receiver details will be saved for convenient repeat transfers.
  4. Pay in store. Visit one of the Western Union agent locations with a valid government-issued ID and pay for the transfer in cash.
  5. Track your transfer. Upon successful payment, you’ll be given a receipt with your tracking number(MTCN), which you can use to track your transfer.
  6. Inform your receiver. Share the MTCN with your receiver and let them know that the cash is ready for pickup at one of our agent locations. Do not disclose your money transfer details to anyone except your intended receiver.

Want to send money in person? You can send cash from hundreds of thousands of Western Union® agent locations worldwide and 600 agent locations1 in Togo.

Send money from an agent location for a cash pickup

Your receiver can pick up your cash transfer as quick as in minutes7 at one of our 600+ agent locations1 in Togo, or at any of our hundreds of thousands of agent locations around the world.

  1. Go to an agent location. You can find your nearest one here. Make sure to bring a government-issued ID with you.
  2. Pay the transfer fee.
  3. Track your transfer. Upon successful payment, you’ll be given a receipt with your tracking number (MTCN), which you can use to track your transfer.
  4. Inform your receiver. Share the MTCN with your receiver and let them know that the cash is ready for pick-up at one of our agent locations. Do not disclose your money transfer details to anyone except your intended receiver.
Send money from an agent location to a bank account

You can send money directly to your receiver’s bank account around the world. You may also check our direct-to-bank country information to know if this service is available in your destination country.

  1. Know your receiver’s bank details. Typically, you’ll need your receiver’s bank name and code, as well as their bank account number. Learn more about what bank details are needed4.
  2. Go to an agent location. You can find your nearest one here. Make sure to bring a government-issued  ID with you.
  3. Pay the transfer fee.
  4. Track your transfer. Upon successful payment, you’ll be given a receipt with your tracking number (MTCN), which you can use to track your transfer. Do not share your money transfer details with anyone except your intended receiver.
Peace of mind every time
Track your transfer

A few reasons to send money with us

  • It’s quick

    It takes just minutes6 for your money transfer to reach an agent location.

  • It‘s convenient

    With our hundreds of thousands of agent locations around the world, it’s easy to find one near your receiver.

  • It’s reliable

    We have over 145 years of experience in money transfers around the world.

Ready to send money?

Get started

Need some help?

Visit our FAQ section or contact us through our customer help line

Go to FAQ
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1 Network data as of 30 June 2019.

2 Please provide your receiver’s name as it appears on the ID they will be presenting to pick up the money.

3 The transaction will be released only if the payment is received between 9:00 AM & 3:30 PM during bank working days; any transfers which are done thereafter will be only released on the next working day.

4 Please use care when providing bank account information. Funds will be paid into the bank account corresponding to account number you provide. The receiver’s account must be a local currency pay-out account.

5 Excludes receiver’s bank holidays.

6 Funds may be delayed or services unavailable based on certain transaction 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 Send Form for details.

7 WAEMU region includes Togo, Benin, Bissau Guinea, Burkina Faso, Ivory Coast, Mali, Niger and Senegal.