The cost of a money transfer depends on a few factors, such as where you are sending money internationally, how you are sending the money, and how quickly you want the money to get to your receiver.

You can get an estimate for your international money transfer with our price estimator, or by visiting the send money form and selecting your destination and entering the amount you’d like to send.

Note: If you are using a credit card to send money online or over the phone, a credit card issuer cash advance fee and associated interest charges may apply. You can avoid these fees by using a debit card.

The information and bank account details you will need to send money abroad vary by where you are sending the money, how you are sending the money and how quickly you want the money to get to your receiver.

In most countries, the bank name is mandatory for transactions. To transfer money to a bank account, you will need:

• Your receiver’s first and last name, as it appears on their government-issued ID
• Your receiver’s country, and in some cases their full address
• Your receiver’s phone number
• In some cases, you will need your receiver’s International Bank Account Number (IBAN) and the receiving bank’s Bank Identifier Code (BIC or the receiving country equivalent)

To transfer money online or with our app, you will need:

• Your Western Union log in information
• Your credit² or debit card information
• Your receiver’s first and last name, as it appears on their government-issued ID
• Your receiver’s country, and in some cases their full address

To start a transfer online and finish at an agent location, you will need:

• Your government-issued ID to show at the agent location
• Your cash or debit card to pay for the transfer amount and transfer fees³
• Your receiver’s first and last name as it appears on their government-issued ID
• Your receiver’s country, and in some cases their full address.

To transfer money to a mobile wallet¹, you will need:

• Your mobile phone number
• Your receiver’s first and last name, as it appears on their government-issued ID
• Your receiver’s country, and in some cases their full address
• Your receiver’s mobile phone number

Additional information may be required for some receiving countries. Before starting your transfer to a bank account, please remember to check the bank’s routing information.

With so many ways to transfer funds, Western Union makes it easy to send money overseas to your receiver.

The process for sending money abroad varies by how you are choosing to transfer money — you can send money internationally online, with our app or at an agent location. Read our FAQs below for specific instructions.

You can send money to qualifying bank accounts using your credit² or debit card or pay by bank transfer. Here’s how to send money abroad online:

1. Log in or register and verify your free account. Click ‘Send now’ to start your money transfer.
2. Enter your destination and choose the amount you’d like to send. Money transfer times vary per destination, but you’ll be able to view the times as you make your selections.
3. Select how your receiver will get the money. You can select a past receiver or enter your receiver’s bank account details if you are sending money to a bank account.
4. Pay with your credit² or debit card or by bank transfer.
5. Review, confirm and your money is on the way. We will send you a confirmation email with the tracking number of your transaction (MTCN). You can share this number with your receiver to track the funds.

Simply find a nearby Western Union location and send money with the help of an agent in three easy steps.

1. Set up the money transfer. Provide the agent with your transfer details and present a valid ID.
2. Pay for the money transfer. Give the transfer sum together with all fees in cash or pay with your debit card.
3. Inform your receiver. Share the Money Transfer Control Number (MTCN) with your receiver.

The Western Union^® app lets you send money 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 money transfer by entering the destination country and choose the amount you’d like to send. Choose the payout method that works for you: directly to a bank account, for cash pick-up or to a mobile wallet¹ based on your receiver’s country. Then, enter your receiver’s details.
3. Pay for your money transfer via credit² or debit card, 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.

The time it will take for your receiver to get the funds depends on where they are located and what your send method is. In some cases, the money can be delivered directly to your receiver’s bank account or for cash pick-up in minutes¹.