Western Union Transfer 2023 Guide | How to Send and Receive Money

Western Union Transfer – Complete guide on how to send and receive money though Western Union in 2023.

Western Union Transfer Guide | How to Send and Receive Money

Do you know that you can send and receive funds from friends and international business associates through western union? Yes, with this method of transfer, you can either send money or receive money from people outside your residential country.

Transactions with western union can be done 24/7 without a checkbook or debit card. You can as well use this to pay bills, rent, and make purchases.

Recall that in our previous article, the “Western Union App” was listed as one of the best money-sending apps. So, in that case, I will like to show you how to perform transactions (Send and Receive money) using the western union method of payment.

Let’s get started…

How to Send Money With Western Union

There are different ways you can use in sending money to people using WU, and these methods are;

  1. Via the Western Union Website
  2. From a Western Union Branch
  3. Using Western Union Mobile App
  4. Over the Phone

1. Via the Western Union Website

If you want to use the WU website to send money, all you need to do is to;

  • Visit WU official website – https://www.westernunion.com/
  • On the web homepage, click on the Send Money link
  • Select “Send Online”
  • Fill Out the Form
  • Choose How to Pay.

How to Pay: You can transfer the money using your credit or debit card or with your bank account.

However, the beneficiary will have to either pick up cash at a Western Union branch or have the money deposited into his/her bank account.

2. From a Western Union Branch

Locate a Western Union office in your locality and fill out the required forms. However, if you want to send money from a branch, there are two ways you can use in making payment for the transaction and these are;

  • With a credit or debit card
  • From bank account to bank account

<ALERT>: Using your credit card may result in a cash-advance fee imposed by the card issuer.

3. Using Western Union Mobile App

With the WU app, you can easily send money, track sent money, and pay bills using your phone from the convenience of your home.

You can download the IOS and Android version of the Western Union App to get started

Download on APP Store        Download on Playstore

4. Over the Phone

You can send money to someone through Western Union by calling the Western Union toll-free number, which can be found on the website.

While on a call with the WU customer care agent, you’ll have to provide the necessary recipient information to the agent and then use a credit or debit card to make your payment.

How to Receive Money Through Western Union

If you have chosen to receive money from anyone or any platform using Western Union, you will have either Get your cash from a WU local branch or have your money transferred to your bank account.

Get your money from a WU local branch: Visit your local Western Union office to pick up the money if you want to receive your cash in person.

However, you will need the MTCN number and a photo ID with a name that matches the recipient exactly.

Have the Money Transferred To Your Account: If you are interested in receiving the money in your bank acct, you will have to inform the sender and provide them with your necessary banking information, which includes your;

  • IBAN
  • BIC
  • Account number.

Alternatives to Western Union



Through its extensive network of merchants and locations, Western Union excels at wiring funds to countries in Latin America, Asia, and Africa.

Remitly, a similar service is good for transferring cash to these countries through desktop or smartphone app.

Since they are exclusively available online, they are often far less expensive than Western Union. They are not burdened by the additional expenses of dealing with physical facilities.

While this may restrict their service offerings, it makes transferring money online considerably simpler.

Remitly allows you to transfer money “Express,” which is quicker but has a premium price, or “Economy,” which is less expensive but may take longer.

  • An excellent choice for sending money to South America, Asia, or Africa via the internet.
  • Customer service is available online or via phone 24 hours a day, 7 days a week.



Revolut is a great alternative to Western Union that you should consider. They’re attractive to us because their service charges and fees are often lower. If necessary, you can even use them to perform much larger transfers.

Revolut has a user-friendly website and application, however, unlike Western Union, it does not allow cash pick-up.

Revolut specializes in multi-currency accounts as well as ancillary services such as card transactions, savings vaults, and children’s accounts. It’s also possible to buy, sell, and trade cryptocurrencies.

  • It’s really simple to open an account, and you may do so in a matter of minutes.
  • Even with the free plan, they provide a ton of useful digital services.
  • They offer excellent mid-market foreign exchange rates, known as “Interbank.”



For those who have a PayPal account, you probably have considered using it to send funds to other countries.

Paypal is among the most widely used payment systems for making purchases and paying for services around the world.

If both parties use PayPal, it’s a quick and easy way to send money within the country and around the world.

If you’re considering using PayPal as a Western Union alternative, there are a few factors to bear in mind.

PayPal does not allow you to pick up your cash in person, and the recipient must also have a PayPal account in order to get the funds. Finally, be in mind that PayPal isn’t always less expensive than Western Union.



Wise (previously known as TransferWise) serves people who would like to manage multiple currencies at a time or move funds between different currencies.

Customers may sign up for a “multi-currency account” to hold a balance in multiple world currencies. They are able to request a Wise debit card to deposit money in an account with a local bank in places like the United States and Australia.

Wise users pay a combination of both fixed and variable charges when transferring money through a debit card or bank wire transfer.



WorldRemit is a great alternative to a Western Union money transfer. Its users can enjoy quality features such as buying airtime or data in their mobile phone number (i.e., “top-up” your account) or setting up a cash pickup. You can make payments through a credit card, a debit card, or a smartphone wallet such as Apple Pay.

Similar to other money transfer solutions, you’ll upload a valid government-issued ID before you are allowed to make your first transfer.

Why should you compare Western Union alternatives before seeing and receiving money?

Based on the total transfer fund and which transfer system you are using, Western Union may not be the most affordable or the quickest means of transferring money to your recipient.

By comparing other international money transfer platforms, you can determine the one with the most favorable exchange rate or the easiest payment method.



Now that you know how to send and receive money through the WESTERN UNION platform, what’s your take on this? Was this article helpful? If yes, then let us know how this was helpful or the challenges that you are still facing with Western Union by simply leaving a comment below.

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