Frequently Asked Questions

About UPI

Unified Payment Interface (UPI) is a payment method that allows you to instantly transfer money to a bank account in India.

Understanding UPI ID

UPI ID is a virtual payment address (VPA) that uniquely identifies one person. A UPI ID format is like an email ID: with the sign “@” in the middle. For example, your receiver’s UPI ID could be “receiver’s_name@bank_name” or “phone_number@bank_name.”

When sending with a UPI ID, you only need to have your receiver’s UPI ID. You do not need to ask receivers for their account number, account type, bank name, or IFSC code.

To receive the payment, the receiver needs to have their UPI ID linked to the bank enabled for international UPI remittance. Please see below the list of banks that support international UPI.

Current list of banks that support international UPI transfer

Below are the banks currently supported. More banks will be made available soon.

Send limits using UPI

Currently, you can send up to 200,000 INR per transfer.

Steps to send money using a UPI through Western Union

Western Union is the first money transfer service company to use a UPI transfer internationally.

1. Log in to your Western Union profile.
2. Choose India as your receiving country (you will need to know your receiver’s mailing address).
3. Choose to send using a bank pay out and use any payment method.
4. Choose UPI ID under the bank information section. You’ll be able to browse all the banks enabled for international UPI transfer.
5. Choose to send your transfer, and you’re all set. Generally, your transfer should be completed in minutes.

1. Log in through our website or app.
2. Select your name or your initials at the top right to go to your profile.
3. Edit your phone number, address, or email address.
4. Select Save information.

1. Log in through our website or app.
2. Select your name or your initials on the top right to go to your Profile.
3. Select Payment options and then Add a card/Add a bank account.
4. Enter your card or bank details and select Save card details/Save bank details.

To receive the money, you must register with our agent GraceKennedy. You can register online through the registration portal or visit a GraceKennedy Western Union Agent location in Jamaica.

To register in person at an agent location, you will need to provide the following information:

• Your full name as it appears on your government-issued ID
• Bank name
• Bank branch
• Bank account number: Please note that we can only transfer to Jamaican Dollar accounts.
• Jamaican Taxpayer Registration Number (TRN)
• A valid government-issued ID (including ID number and expiration date)
• Country of birth
• Date of birth
• Phone number (home or mobile)
• Home address (street, city, town, or parish)
• Occupation
• Your email address
• Proof of ownership of your bank account. The following forms are acceptable:
  • Bank statement
  • Cancelled cheque (if the account being registered is a current account)
  • Account passbook

To register online, you will also need to provide the following information along with the above requested information:

• Back and front pictures of your government-issued ID
• A picture of your TRN card or TRN letter
• A selfie of you holding your ID card immediately below your chin
• Picture of your proof of address
• Screenshot of your online banking portal with your name and account number clearly visible

Note: If you are registering at an agent location, these documents will be scanned into the registration system and returned to you.

GraceKennedy will complete the verification within 2 business days to make sure the receiver owns the given bank account. If there are any issues with your registration, you will receive an SMS, email, or phone call from the agent to address and correct it.

Please note that if your registration is not complete, the transfer may be canceled within 7 days.

1. Log in to our website or go to our app.
2. Go to the Menu and choose My receivers.
3. Then choose a receiver to see their details.
4. Select Edit to update any details.

Follow these steps to update your postal address and phone number:

On our website or the Western Union mobile app:

1. Log into your profile.
2. Select your name from the menu at the top.
3. Enter your new postal address and phone number. 
4. Select Save or Update to confirm the changes.

Follow the steps below to update your email address:

1. Log into your profile.
2. Enter the new email address and select Save to confirm the changes.
3. Verify your email address.
4. Select continue.

After you’ve successfully updated your email address, use the new email address to log into your Western Union profile. 

Note: The option to update your email address is not yet available on the mobile app.

Follow the steps below to change your password:  

1. Log into your profile. 
2. Choose Reset password.
3. Enter the new password and select Save.

To add a new payment method, please follow the steps below: 

On our website: 

1. Log into your profile.
2. Go to the Payment preferences section.
3. Select Add new credit or debit card. To add a bank account, choose Bank accounts and log into your bank account online.
4. Enter your card or bank account information and select Save.

On our mobile app: 

1. Log into your profile.
2. Select Profile from the menu.
3. Select Payment options.
4. Add a new debit card, credit card, or a new bank account.

¹ Credit card issuer may charge an additional fee and other associated interest charges. Use a debit card to avoid these charges.

To log into your Western Union profile, please follow the steps below:

1. Select Log in.
2. Enter your registered email address and password.
3. Choose Continue or Log in to proceed. 

If you forget your password, you can reset it by choosing Forgot password. 

1. On the website, log into your Western Union profile.
2. Click the Menu icon and select Settings from the dropdown.
3. In the Information sharing section, select the check box.
4. Select Save changes.

If you are a new user, you can register with Western Union via our website or mobile app.

Steps to register on our website or app:

1. Select Join now.
2. Enter the required details.
3. Verify your email address.
4. Log into your new profile.

We’re sorry to see you go. Please note that you will lose your existing MyWU points (if any) by taking this step and your complete transfer history will be erased. To delete your profile, contact our Customer Care.

Receiving money in Argentina

If you receive a money transfer in Argentina, you need to complete a one-time registration within 90 days of getting it.

Also, if you receive 2 additional transfers within that 90-day period (a total of 3 transfers), you will need to register before you can pick up the third transfer.

To get you registered, we will contact you within 24 hours of the transfer at the number provided by your sender. You will be asked to provide additional identifying information on an online form used for registering transfers.

1. Log into our website or go to our app.
2. Go to the Menu and choose My Receivers.
3. Then choose a receiver to send money to.

1. Log in to our website or go to our app.
2. Go to the Menu and choose My receivers.
3. Then select Add new/Add a new receiver and enter the details.

1. Log into our website or go to our app.
2. Go to the Menu and Select My receivers.
3. Then choose a receiver to Remove.

Registering to receive transfers in Colombia

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The Government of Colombia will require you to register if you receive a transfer in Colombia that exceeds its cash and frequency limits.

If you know you need to register, you can call Western Union’s Colombian partner, Giros y Finanzas, at any of the numbers below.

You can also wait for Giros y Finanzas to call you. They will try to contact you up to 3 times in the 15 days after we send the money. If Giros y Finanzas cannot reach you after 3 tries, we will cancel the transfer and refund the sender.

Giros y Finanzas contact numbers in Colombia (country code 57):

• National office: 018000 111 999
• Cali: (2) 518 48 00
• Bogotá: (1) 635 35 60
• Medellín: (4) 511 51 51
• Barranquilla: (5) 368 79 96
• Pereira: (6) 335 16 11

Giros y Finanzas contact numbers outside Colombia:

• Miami (USA): 1 (786) 206 6144
• Montreal (Canadá): 1 (514) 448 1874
• Panamá: 507 833 9275

Giros y Finanzas office hours of operation, Colombia Time (COT) (UTC -5):

• Monday to Friday: 7:00 am – 9:00 pm
• Saturday, Sunday, and holidays: 8:00 am – 8:00 pm

Giros y Finanzas may ask you to provide the following:

• Your full name (first name, middle name, paternal name, and maternal name)
• Your date of birth
• The country and city where you were born
• The city you live in
• Your address, phone/cell numbers, and email address
• Your occupation

Receiving money to your bank account in China

If you’re the receiver, you may need to complete a one-time registration before you can receive money.

If you need to register, you will be contacted within 24 hours by us at the number provided by your sender.

To register and confirm your identity, you will need:

• The tracking number (MTCN)
• To confirm your bank card number
• To confirm your Chinese name as it appears on your government-issued ID.
• Your government-issued ID.

If the receiver cannot be contacted within 3 days, we will not be able to complete the transfer, and the sender will be issued a refund.

You can also call Customer Care at 4008190488 or 02168664622 to provide your identity information.