Frequently Asked Questions

To send money, follow the steps below:
1. Select Send money.
2. Choose your destination country.
3. Enter an amount.
4. Select a delivery method:
– Direct to bank account or mobile wallet (where available), or
– Cash pickup at a participating agent location.
5. Select your payment method.
Note: The transfer fee* varies based on the payment and delivery methods you choose.
*Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees and foreign exchange rates may vary by brand, channel, and location based on several factors. Fees and rates are subject to change without notice.

Your money transfer will be delivered based on the delivery and payment methods you choose. It can arrive within minutes* or take a few business days.

* Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, agent location hours, differences in time zones, or selection of delayed options. For mobile transactions, funds will be paid to receiver’s mWallet account provider for credit to account tied to receiver’s mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees.

To pick up their money at a Western Union agent location, your receiver will need:
• The tracking number (MTCN)
• A valid government-issued ID
If more information is needed, the agent representative will let your receiver know.

You can send money to your receiver’s bank account if Bank account is available among the delivery methods for your destination country.

To send money from Australia to your receiver’s bank account, you’ll need the following information:
Local transfers (within Australia):
• Bank name
• Account holder’s name
• BSB number
• Account number
International transfers:
• Branch name, bank, or branch code
• Account number or International Bank Account Number (IBAN)
• Routing number (if required)
• International Bank Identifier Code (BIC), SWIFT/BIC, or Indian Financial System Code (IFSC)
In some cases, you may also need more details including:
• Receiver’s complete address
• Tax ID
• Purpose of transfer
For more information, check the bank transfer requirements for each country before sending money.

The delivery methods available depend on the destination country. Here are the options:

• Cash pickup at an agent location
• Bank account
• Mobile wallet
• Money transfer to a correctional facility. The money is sent to the correctional facility and account number you provided when you sent the money transfer.

* Your receiver may need to provide identity information depending on the service, send amount and the destination of the money transfer.

The amount you can send varies based on several factors, including:
• Your transfer history
• Your location
• The receiver’s location
• The delivery method
• The payment method
• The agent location limits
• The receiving country limits
If you’re sending online, you can see how much you can send via our website or app by selecting Send money.
If you’re sending in person, visit one of our agent locations to find out how much you can send.

You can cancel your money transfer if it hasn’t been picked up or deposited yet.
• Same-day cancellations: Visit the agent location where the transfer was initiated, or contact Customer Care via our website, mobile app or by phone.
• Cancellations after 24 hours: Contact Customer Care via our website, mobile app or by phone.
Note: The refunded amount (principal and/or fees) depends on the service you chose and the reason for cancellation. If you have questions about the refund, contact Customer Care.

You need to verify your identity when sending money online because financial institutions, including Western Union, are required to know their customers. Verifying who is sending and receiving money helps protect your money from being used for illegal activities.

You can protect yourself from fraud by staying informed and taking precautions. Visit our Fraud Awareness page to learn more, and take our Fraud Quiz to test your knowledge and stay safe.

To become a Western Union agent, go to the Western Union agent portal or contact us to learn more.

A money transfer of more than 15,000 AUD is considered a large amount transfer.

The maximum amount you can send from Australia depends on your payment method:
• Up to 76,000 AUD using debit card, PayID, or PayTo
• Up to 9,000 AUD using credit card, Apple Pay, or Google Pay
Limits may vary depending on the receiving country, payment method, and other factors. Some agent locations may also have additional restrictions.

Western Union monitors total transfer activity based on defined limits. If you exceed these limits, we may request more information to comply with internal policies and regulations.

Limits can vary depending on your country of residence and the destination country of the transfers.

You will usually receive your refund within 7 business days from the date it is issued, depending on your bank’s processing practices.

To verify your identity online, follow these steps:
1. Log into your profile. If you don’t have a profile yet, create one on westernunion.com or our mobile app
2. Start a transfer.
3. Confirm your personal details.
If we’re unable to verify your identity from the details you provided, we’ll ask you to upload any of the following government-issued IDs:
• Passport
• Australian driver’s license

After your identity information is verified, you can complete your transfer.

To verify your identity in person, visit a nearby agent location and present one of the following government-issued documents:
• Passport
• Australian driver’s license
• Australian 18+ proof of age ID or photo card

You can cancel your transfer online if the money has not been picked up or deposited to your receiver’s bank account, mobile wallet, or credit/debit card.

To check your transfer status, go to Track a Transfer and enter your tracking number (MTCN).
To cancel your transfer online, follow these steps:
1. Log into our website or app to view your recent transfers.
2. Choose the transfer you want to cancel and select Cancel.
3. Select your reason for canceling and then choose Continue to review.
4. Review your refund details and select Confirm cancellation.
We’ll refund your money within 7 business days after your transfer cancellation has been processed. If you do not see Cancel as an option for your transfer, please contact Customer Care.
Note: The refunded amount (principal and/or fees) depends on the service chosen and the reason for cancellation. Refunds are provided in the original form of payment. For more details, contact Customer Care.

You can send money online using one of the following ways:

Online at westernunion.com or using our app:
1. Log into your profile. If you don’t have a profile yet, create one.
2. Choose your receiver’s country and select Continue.
3. Enter the send amount or receive amount and select Check fees.
4. Select your payment and delivery methods1:

You can pay by:
o PayID
o Australia-issued credit or debit card
o Apple Pay or Google Pay

Your receiver can get money through:
o Cash pickup
o Bank account²
o Mobile wallet²
o Credit or debit card²

5. Select Save and Continue to Receiver and enter your receiver’s details.
6. Review the transfer and select Send.

After completing the transfer, you can track it using the tracking number (MTCN) on your receipt.

1 You can try different combinations of send or receive amounts and methods to get the best exchange rate, transfer fee, and delivery time.

2 Some delivery methods are only available in select countries.

2. In person at an agent location

1. Visit a nearby agent location with your government-issued ID.
2. Pay with cash or with a debit card.

After completing the transfer, you can track it using the tracking number (MTCN) on your receipt.

You can send up to 5,000 AUD per day online. You can find the send limit for a specific destination country on the Send money page.

You can usually send any amount from an agent location. However, for amounts larger than 23,000 AUD, you may need to provide additional information.

A bank code is a number used to identify banks worldwide. The number can range from 3 to 23 digits, depending on the country and the code type. The most common types of bank codes are listed below:
• BSB (Bank-State-Branch)SWIFT or BIC (Bank Identification Code)
• CHIPS (Clearing House Inter-Bank Payment System)
• NCC (National Clearing Code) or BSC (Bank Sort Code)
• IFSC (Indian Financial System Code)
• CLABE (Clave Bancaria Estandarizada)

For some countries, you may need an International Bank Account Number (IBAN) in addition to the bank code.

Beforepay is an ASX-listed fintech company that offers cash advances to its customers. When sending money with Western Union, you can get a cash advance of up to 2,000 AUD from Beforepay for a flat 5% fee, with no interest or hidden charges¹.

¹ Beforepay Terms and Conditions and eligibility criteria apply, which may affect your available cash advance limit. Western Union may receive a referral fee for introducing you to Beforepay but does not represent or endorse Beforepay or its products.

You may be able to borrow up to 2,000 AUD with Beforepay¹. The amount available to you may vary depending on your income, spending habits, debt, and repayment history with Beforepay.
For more details, go to help.beforepay.com.au or email support@beforepay.com.au.
¹ Beforepay Terms and Conditions and eligibility criteria apply, which may affect your cash advance limit. Western Union may receive a referral fee for introducing you to Beforepay but does not represent or endorse Beforepay or its products.