Conveniently send money online with Western Union

The total cost of sending money online depends on several factors:

• The payment method: Paying via online bank transfer or debit card is generally cheaper than using a credit card (which may also incur third-party card issuer cash advance fees).
• The payout method: Delivering to a bank account or mobile wallet usually offers lower transfer fees compared to cash pickup.
• Destination country & currency exchange rates: Transfer fees and exchange rate markups vary depending on where you are sending money and the payout currency.

You can check exact costs upfront with zero obligation by using our price estimator or entering your details on the send money transfer calculator.

If you need to send money urgently, sending money online for cash pickup is a convenient option. Simply pay by credit/Visa debit card² or by bank transfer and the money is ready for cash pickup in minutes³.

If paying by credit/Visa debit card:²

1. Log in or register and verify your free profile. Click ‘Send now’ to start your transfer.
2. Choose the destination and amount you’d like to send. Select ‘Cash pick-up’ and payment by card.
3. Enter your receiver’s name and address.
4. Pay with your credit/Visa debit card².
5. We will send you a confirmation email with a tracking number for your transaction (MTCN). Share this number with your receiver for cash pickup.

If paying by bank transfer:

1. Log in or register and verify your free profile. Click ‘Send now’ to start your transfer.
2. Enter the destination and amount you’d like to pay with a bank account. Select ‘Cash pick-up.’
3. Verify your bank account and complete your money transfer.
4. We will send you a confirmation email with a tracking number for your transaction (MTCN). Share this number with your receiver for fast cash pickup.

You can send money directly to your receiver’s phone if they have a mobile wallet from one of our partners and are in a country where this service is available.

1. Check available destination countries and mobile providers.
2. Log in or register and verify your free account. Click ‘Send now’ to start your transfer.
3. Choose delivery ‘To a Mobile Wallet’ and enter the destination and the send amount.
4. Enter your receiver’s name and mobile number.
5. Pay with your checking account or a credit/Visa debit card².
6. You and your receiver will get a confirmation alert via text notification when the money is delivered.

The Western Union^® app lets you start a money transfer on the go to a bank account, for cash pick-up or to a mobile wallet¹.

1. If you already have the Western Union^® app, log in with Touch ID or your credentials. If you don’t have our app yet, simply download it on the Apple App Store or Google Play Store. New users can follow the steps to sign up with an email address. You can verify your profile using your driver’s license, passport, or government-issued ID.
2. Start a transfer by entering the destination country and the amount you’d like to send. Choose the pay-out method that works for you: directly to a bank account, for cash pickup or to a mobile wallet¹ based on your receiver’s country. Then, enter your receiver’s details.
3. Pay for your money transfer via credit/Visa debit card² or with your bank account.
4. We’ll provide the tracking number for your transaction (MTCN). Share this number with your receiver to track the funds. If sending to a mobile wallet, you and your receiver will get a confirmation alert via text notification when the money is delivered.

Learn more

Before sending money overseas from Canada, it is important to compare your options and understand the total cost of your transfer. Factors such as exchange rates, fees, delivery speed, and how your recipient will receive the money can affect your overall experience.

Consider these key points:

• Exchange rates and fees: Check the current exchange rate and transfer fees to understand how much your recipient will receive.
• Delivery options: Choose between options like bank transfer, cash pickup, or mobile wallet based on your recipient’s needs.
• Transfer details: Ensure you have accurate recipient information to avoid delays.
• Security and tracking: Use a trusted provider and keep your MTCN to track your transfer status.

Reviewing these details before sending can help you make an informed choice and ensure a smooth international money transfer.

To send money internationally from Canada, you typically need basic details about yourself, your recipient, and how they want to receive the funds. Having the correct information ready can help make your transfer smooth and avoid delays.

You may need:

• Recipient details: Full name, contact information, and delivery details based on the chosen payout option.
• Bank transfer details: Bank name, account number, and other required banking information if sending directly to a bank account.
• Mobile wallet details: Recipient’s mobile number and wallet information, where available.
• Identification details: Valid ID or additional information may be required for verification, depending on the transfer amount and regulations.

Before confirming your transfer, Western Union shows the fees, exchange rate, and delivery details so you can review everything before sending.

The fastest way to send money internationally depends on the destination country, payout option, and payment method. In many cases, cash pickup and mobile wallet transfers (where available) can be among the quickest options, while bank transfers may take longer depending on the receiving bank’s processing time.

With Western Union, you can choose the option that best fits your needs:

• Cash pickup: Often provides quick access to funds at participating locations.
• Mobile wallet: Allows recipients to receive money digitally in supported countries.
• Bank transfer: Sends funds directly to a bank account; delivery times vary by bank.

Before sending, you can check the estimated delivery time, fees, and exchange rate to choose the right option for your transfer. You can also track your transfer using the MTCN.