Frequently Asked Questions

To send money online, you need to visit wu.com and create a profile. After your profile has been verified, you’ll be able to send funds directly to your receiver’s bank account.

To complete your first money transfer, please follow these steps:

1. Log in or Register.
2. Select destination country.
3. Select the sending method.
4. Add or select your receiver.
5. Select a payout method.
6. Read information about how to protect yourself from fraud.
7. Review your transfer data and accept our terms and conditions of the service.

If you have any questions while registering, please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial ++91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.

There may be one or more reasons why we were unable to verify your ID:

• The address you provided did not match what’s on your government-issued ID (Passport, Driver’s license, Aadhaar card or Voter ID card).
• Your name did not match what is on your ID.
• Your date of birth did not match what is on your ID.

If you are asked to verify your identity again, please make sure all the information you provide matches what’s on your ID and your WU profile.

Through wu.com India, you can send money to an individual. If you are sending money to your loved ones, you should provide your receiver’s full name, bank account number, bank name and bank routing number (SwiftBIC).

The countries you can send money through wu.com India are¹: Andorra, Australia, Austria, Bahrain, Bangladesh, Belgium, Brazil, Bulgaria, Canada, Croatia, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Georgia, Germany, Ghana ,Greece, Guatemala, Hungary, Indonesia, Ireland, Israel, Italy, Japan, Kenya, Lithuania, Luxembourg, Malaysia, Morocco, Netherlands, New Zealand, Nigeria, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tanzania, Thailand, Turkey, United Kingdom, Vietnam, UAE, Uganda, USA. Transfers within India are not available.

You can pay for your online money transfer by using your bank account funds. Once you receive a receipt email with your money transfer details, follow the instructions:

• Open your bank’s Internet banking page.
• If you are sending money for the first time, you will need to add Western Union’s bank account as a beneficiary, the details of which will be in your receipt email.
• Fill in the sending amount and complete your money transfer.

If you have any questions please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.

After receiving your tracking number (MTCN), you will have 72 hours to send the funds. Otherwise, the transfer will be cancelled and you will need to start a new money transfer.

Once your verification is completed, you will be able to send online the INR equivalent of 10,000 USD per transfer for education, 5,000 USD per transfer for other purposes (including overseas medical treatment, examination fees, business travel) or up to 250,000 USD per financial year, which goes from April 1st to March 31st. This limit includes all transfers sent using any of the Western Union services.

Your online receipt along with the payment instructions will state that your transfer has been placed and that a payment is needed. After you complete a bank transfer you will get a confirmation email stating that your payment was completed.

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 profile history section on wu.com.

Only payments from an individual resident savings bank account are permissible. For further details please refer to LRS regulatory guidelines.

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.

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.