Transfer money to a bank account

It doesn’t matter if you want to transfer the money to a bank account by credit card¹ or pay in cash at a Western Union location. To transfer money to a bank account, you need the following information:

• Receiver’s full name
• Destination country
• Receiver’s account number (for example the IBAN)
• Bank name
• If applicable, the bank code (BIC or Swift)

The transfer time depends on the country you want to transfer money to. In many cases, it is one to three working days. Depending on the country and our partners, your money transfer may even arrive on the same day or take more than three days. For example, a transfer to an account in Ukraine takes one to two working days and a transfer to Argentina takes one to five working days.

Tip: We will always show you the estimated transfer time for each payment and receiving method and each destination country in the transfer overview. For a complete breakdown of times, see our transfer details page.

Our transfer fees² vary depending on the destination country, transfer amount and payout method.

1. For online transfers, use the price calculator in the transfer overview. This lets you see at a glance what costs will be incurred — without any obligation to complete the transfer.
2. If you want to transfer money in person at a Western Union location, you can find the transfer fees²and the applicable exchange rates on the transfer form.
3. If you want to transfer money online with a credit card¹, additional credit card issuer fees and associated interest costs may apply. You can avoid these costs by using a debit card.

The time it takes to transfer money depends on the payment and receiving methods and the receiver’s country. The quickest way to send money is often a transfer with cash pickup at a location — this way, the money reaches the receiver in minutes³. Send money online or with the Western Union^® app for cash pickup.

When you send money online, you can easily see the expected delivery times in the transfer overview: Once you have entered the transfer amount and the payment and receiving methods, you will see the estimated time next to “Delivery time”.

Tip: If you want to transfer money to a bank account, please note that the transfer time depends on the payment method: Depending on the destination country, your money may arrive faster if you pay with SOFORT or a debit/credit card¹ than with a conventional bank transfer.

The amount of money you can transfer in a single transfer or within a specific period of time depends on identity verification, payment and receiving methods and destination country:

1. You can send up to EUR 1000 within 3 days before we need to verify your identity.
2. Once your identity has been verified, we will automatically increase your transfer limit to EUR 5000, and for some pay-in methods up to EUR 50,000. Please note that it may take up to three days to adjust the limit.
3. You will always see the maximum transfer limit on the transfer screen as soon as you select the country of the receiver on our send money page.