Western Union is a global money transfer solution servicing more than 200 countries in over 130 currencies. It’s been around for quite some time and its black and yellow logo is recognized by people all over the world. Send/receive cash services will vary based on your location whether you can walk up to an agent or send money online. Conveniently, transactions may be done in person, by phone, via the website or by downloading the app.

How WU Works

Sending and receiving money is made easy using WU.

Sending cash: Visit an authorized agent to send money to a recipient almost anywhere in the world. Cant’ get to an agent location? Download the app, register online or make a phone transfer.

Recipient information you’ll need to send a money transfer:

  • Bank details (if sending to a bank account)
  • Name
  • Address
  • Phone number

Initiate a transfer using cash, a bank account or credit/debit card. Identification and verification processes will require a valid ID and online transfers are subject to a review process when making your first transfer. Please note that these procedures may vary based on where you live. For the rules pertaining to your country, please visit the WU site for your region. Money transfers over certain amounts may also be flagged as a fraud risk. In January 2017, WU was fined by the US Department of Justice as it failed to observe US government reporting requirements

Agent pick-up will require a code that the sender will pass on to the recipient, however, every transaction will be associated with a specific code.

Receiving cash: The sender will specify how the money is to be transferred. This may be in cash to an agent, which will require you to personally retrieve it, a transfer to your bank account, direct to the mobile app or loaded onto a pre-paid card. How quickly you receive the money will depend on this. Agent pick-up makes the cash available immediately, while crediting your bank account may take a couple of business days to process.

Web to mobile operators by country:

  • Guatemala: Tigo
  • El Salvador: Tigo
  • Nepal: Nabil Bank
  • Kenya: Safaricom M-PESA
  • Madagascar: Telma M-VOLA
  • Tanzania: Vodacom
  • Zimbabwe: Econet

Sign up for the Western Union netSpendPre-paid MasterCard to get instant access to cash. Notifications are sent to when funds hit your account and the MC logo means worldwide acceptance.

External Links

Western Union Website 



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