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How to Send money on Western Union made easy | step by step guide

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Do you know they are many ways to send money abroad? You can easily send money through your local bank in person to another bank neither in bank center or through online banking.

Note, since transaction done between international bank make you of swift network to process international transaction, charge will be made both by the intermediary banks and the recipient’s own bank. This way international money transfer in banks is fairly expensive and takes numbers of days to process.

If really want to send money abroad at less expense and very fast, then make used of western Union – money transfer network provider, a very good alternative to internationally bank transaction.

western union company is an American worldwide financial services and communications company, located in meridian, colorado, USA. It has been in the financial hub for more than 165 years with the sole aim of helping people to send money and receive funds (money) all over the globe, pay bills,track your transfers online and many other things. They boast of being the most reliable and trusted medium to send and receive money worldwide at a faster rate.

In fact, Western Union operates one of the world’s largest money transfer networks by with more than 500,000 agent locations around the world.

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Reason why western union is good alternative to get internationally bank transaction:

The reason why western union is the best money transfer network provider are numerous it can’t be over emphasize, here are few reasons:

  • Western Union helps individuals and businesses send money around the globe.
  • Western Union provides many options for transferring and collecting funds, like cash pickup, mobile wallet deposits and more.
  • You can easily send money abroad using western Union app in person or over the phone.
  • Western Union also allows you to send money to an inmate.

How much does it cost to transfer money with Western Union?

Considering the cost on western union transfer fees, the costs to make a transfer will vary, depending on where you’re sending money, how the payment is funded, and how the recipient receives the money.
It’s note worthy to take into consideration the western Union exchanges rate into account before sending money abroad.

Note – western Union’s exchange rate is always fluctuating it is never stable. The rate are regularly updated by the value of market trend and you can easily calculate the charge rate on your transaction by easily clicking on the Estimate Price at the top of the Western Union website.

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For instance, when you’re calculating the costs of a transfer on the Western Union website, you’ll find the following disclaimer in the footnotes:

“Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors.” 

What are the types of transaction that can be perform on western Union?


There are numerous way to send money through Western Union to any part of the world. This includes:

  • Cash pickup – When you need money there in minutes.
  • To a bank account – These involve sending money directly to your receiver’s bank account.
  • To a mobile phone – These involves sending money to your receiver mobile phone.

Here’s a detailed breakdown on transfer that can be perform on western Union

Cash Pickup  Cash transfers sent online, by phone or in person are available for pickup within minutes at any number of agent locations worldwide. 
Steps On How To Perform Cash Pickup Transfer On Western Union:

  • Log in to your profile. If you don’t have a profile, please register for free on western Union page
  • Choose country, amount and delivery method (bank account).
  • Enter your receiver’s bank account information.
  • Pay with your credit card 
  • You’ll get a confirmation by email with the tracking number (MTCN).
  • The money will be deposited into your receiver’s qualifying bank account

Western Unionto Bank Account – you will need to wait one to three days for funds to arrive if you pay with a credit or debit card online, while transactions from your own bank account online or by cash at an agent location take two to five days.
Step By Step Guide On How To Perform To Bank Account Deposit On Western Union;

  • Log in to your profile. If you don’t have a profile, please register for free on western Union page.
  • Choose country, amount and delivery method (bank account).
  • Enter your receiver’s bank account information.
  • Pay with your credit card 
  • You’ll get a confirmation by email with the tracking number (MTCN).
  • The money will be deposited into your receiver’s qualifying bank account.

Western Union To Mobile Phone – If your receiver lives in a country where this service are available, you can easily send money to their mobile phone — so they can get their money quicker and easier than ever. once you are sure that your receiver has activated a mobile wallet  with one of our partner mobile operators in their country.

Funds sent online or from an agent location are deposited in minutes.
Step By Step Guide On How To Perform To Mobile Phone Transfer On Western Union;

  • Check available destination countries and mobile networks.
  • Log in to your profile. If you don’t have a profile, please register for free on western union page.
  • Choose country, amount and delivery method (mobile wallet). 
  • Enter your receiver’s name and mobile number. 
  • Pay with your credit card .
  • You and your receiver will get a confirmation alert in the form of an SMS  notification when the money’s delivered.

Things to watch out for when using western Union to transfer money overseas;

1.Be aware of fraudster and scams: Before you send money through Western Union to overseas make sure you’re confident that you’re sending money to the right person, and for a genuine reason.

2.Make sure you Check all the details of your transfer
Once you’re sure that the person you’re sending money to is genuine, you have to collect and verify some details to make sure the process goes smoothly. If they’re going to collect the cash in person from a Western Union office, then they will need a government-issued ID to do so. Make sure you know which office they’ll visit to collect the money from, and you have their name as written on their ID document when making the transfer.
If you’re sending money directly to a recipient’s bank account then you’ll need the full details of their account, bank branch, and address. You may also need a BIC/SWIFT code and IBAN depending on where you’re sending money to.

3.Choose how you want to pay for the transaction fee

You’ll be asked how you wish to pay for the transfer, and in most cases, you can choose between cash if you’re in a branch, while online you can use credit or debit card, or a bank transfer. The charges and fees for these different payment methods vary widely. In general terms, it’s much more expensive to pay with a credit or debit card – although this might mean that the transfer is quicker – compared to a bank transfer.

4.Pass the details of the transfer to the recipient

When you place the transfer, you’ll get a MTCN reference number. This is used by the recipient to collect the cash. You’ll need to give the MTCN number to the recipient if they’re planning on visiting a local Western Union outlet to collect their cash.

The MTCN is a tracking number given when you place your transfer and can be used if you need to trace the payment. You can do this online, or by visiting a branch for help.

Also Read: Western union – track your money with or without MTCN

Finally, Once the transfer is processed your recipient can collect it in a Western Union office, or draw it directly from their bank account if you opted for a bank transfer instead.

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