You can find the answers to many of your questions below. But if you still need to know more, do not hesitate to call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855).
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.
•Abhyudaya Cooperative Bank Limited | •Janata Sahakari Bank Limited | •Airtel Payments Bank Limited | •Jana Small Finance Bank Limited |
•Andhra Bank | •Karnataka Bank Limited | •The Andhra Pradesh State Cooperative Bank Limited | •Kalupur Commercial Cooperative Bank |
•Andhra Pragathi Grameena Bank | •Kalyan Janata Sahakari Bank | •Andhra Pradesh Grameena Vikas Bank | •Kotak Mahindra Bank Limited |
•Apna Sahakari Bank Limited | •Kerala Gramin Bank | •Bassein Catholic Cooperative Bank Limited | •The Karanataka State Cooperative Apex Bank Limited |
•Bank Of Baroda | •Karnataka Vikas Grameena Bank | •Bandhan Bank Limited | •Laxmi Vilas Bank |
•Dena Bank | •Bank Of Maharashtra | •Bank Of India | •Maharashtra Gramin Bank |
•Central Bank Of India | •Mahanagar Cooperative Bank | •City Union Bank Limited | •The Mehsana Urban Cooperative Bank |
•Canara Bank | •Oriental Bank of Commerce | •Corporation Bank | •G P Parsik Bank |
•The Cosmos Co Operative Bank Limited | •Pragathi Krishna Gramin Bank | •Catholic Syrian Bank Limited | •Punjab And Sind Bank |
•Development Bank of Singapore | •Punjab National Bank | •DCB Bank Limited | |
•Deustche Bank | •Ratnakar Bank Limited | •Deutsche Bank (Bij Alle Sepa-Transacties) | •Rajkot Nagrik Sahakari Bank Limited |
•Dhanalakshmi Bank | •State Bank of India | •Equitas Small Finance Bank Limited | •Standard Chartered Bank |
•Federal Bank | •South Indian Bank | •Fino Payments Bank | •The Surath Peoples Cooperative Bank Limited |
•Fincare Small Finance Bank Ltd | •Saraswat Cooperative Bank Limited | •The Gujarat State Cooperative Bank Limited | •Suryoday Small Finance Bank Limited |
•Hasti Coop Bank Ltd | •The Shamrao Vithal Cooperative Bank | •HSBC Bank | •Syndicate Bank |
•IDBI Bank | •The Thane Bharat Sahakari Bank Limited | •ICICI Bank Limited | •TJSB Sahakari Bank Limited |
•IDFC Bank Limited | •Tamilnad Mercantile Bank Limited | •Indian Bank | •The Tamil Nadu State Apex Cooperative Bank |
•Indusind Bank | •Union Bank Of India | •Indian Overseas Bank | •UCO Bank |
•India Post Payment Bank | •Ujjivan Small Finance Bank Limited | •Jammu And Kashmir Bank Limited | •Axis Bank |
•Jio Payments Bank Limited | •The Varachha Cooperative Bank Limited | •Janakalyan Sahakari Bank Limited | •Vijaya Bank |
•Karur Vysya Bank | •The Vishweshwar Sahakari Bank Limited | •Vasai Vikas Sahakari Bank Limited | •Yes Bank |
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.
To send money online, you need to visit wu.com and create a profile. After your profile has been verified, you’ll be able to send funds directly to your receiver’s bank account.
To complete your first money transfer, please follow these steps:
If you have any questions while registering, please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial ++91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
There may be one or more reasons why we were unable to verify your ID:
If you are asked to verify your identity again, please make sure all the information you provide matches what’s on your ID and your WU profile.
Through wu.com India, you can send money to an individual. If you are sending money to your loved ones, you should provide your receiver’s full name, bank account number, bank name and bank routing number (SwiftBIC).
The countries you can send money through wu.com India are1: Andorra, Australia, Austria, Bahrain, Bangladesh, Belgium, Brazil, Bulgaria, Canada, Croatia, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Georgia, Germany, Ghana ,Greece, Guatemala, Hungary, Indonesia, Ireland, Israel, Italy, Japan, Kenya, Lithuania, Luxembourg, Malaysia, Morocco, Netherlands, New Zealand, Nigeria, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tanzania, Thailand, Turkey, United Kingdom, Vietnam, UAE, Uganda, USA. Transfers within India are not available.
You can pay for your online money transfer by using your bank account funds. Once you receive a receipt email with your money transfer details, follow the instructions:
If you have any questions please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
After receiving your tracking number (MTCN), you will have 72 hours to send the funds. Otherwise, the transfer will be cancelled and you will need to start a new money transfer.
Once your verification is completed, you will be able to send online the INR equivalent of 10,000 USD per transfer for education, 5,000 USD per transfer for other purposes (including overseas medical treatment, examination fees, business travel) or up to 250,000 USD per financial year, which goes from April 1st to March 31st. This limit includes all transfers sent using any of the Western Union services.
Your online receipt along with the payment instructions will state that your transfer has been placed and that a payment is needed. After you complete a bank transfer you will get a confirmation email stating that your payment was completed.
Yes, a receipt will be sent to your email after the transfer is completed. You can also see the details of all your transfers in your profile history section on wu.com.
The Money Transfer Control Number (MTCN) is a unique number assigned to your transfer.
Only payments from an individual resident savings bank account are permissible. For further details please refer to LRS regulatory guidelines.
When adding a business entity (non-individual) as a beneficiary, you will need to provide the following details:
If you have any questions please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
Yes, you can pay for your education online if you are paying for examination fees, school or university abroad. Please select beneficiary type as non-individual, provide the beneficiary/college’s details and choose education as the purpose of transfer.
Please note that you can fund the transfer only from individual savings account. Payment from current account and joint savings account is not accepted.
If you have any questions please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
please refer to “Where can I send money online through wu.com India?” for more information on the list of countries available to send money online.
A payment reference number is important to identify the sender. Once you initiate a money transfer successfully it will be displayed on your screen. The payment reference number will have to be added in the remarks/narration field while sending money online to Western Union’s account.
For example, a student paying to an overseas university will have to provide his enrollment no. or student ID for the university to reconcile his payment.
If you have any questions please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
When sending money to a company or an institution, the countries you can send money to are3:
United Kingdom, Australia, Singapore, France, Germany, Ireland and Italy.
Yes, you can pay for your personal or business international visit by sending money to your tour operators, hotels, travel agents etc. Please select beneficiary type as non – individual, provide beneficiary/hotel’s details and choose business travel as the purpose of transfer.
Please note that you can fund the transfer only from individual savings account. Payment from current account and joint savings account is not accepted.
If you have any questions please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
You can send money online for the following purposes:
Once your verification is completed, you will be able to send online the INR equivalent of up to 10,000 USD per transfer for education, or up to 5,000 USD per transfer for other purposes.
If you have any questions please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
This limit applies to all overseas transfers sent via Western Union or any other service used.
If you cannot locate the payment reference number, you can provide the MTCN (Money Transfer Control Number) to the receiver to reconcile the payment.
An online money transfer can only be cancelled if it has not been paid out to the receiver in the destination country. You can cancel the transfer if its status is not shown as CANCELED or DELIVERED online. Check the status of your transfer.
Note that you can get a full refund if you cancelled the transfer before it’s paid out to the receiver.
Yes, before making your first online money transfer, you will need to verify your identity.
Once you have successfully registered online, you will be asked to visit any Yes Bank branch near you to verify your identity in person. You can also opt for an online verification (e-KYC) by providing your Aadhaar card number online.
It will take 1-2 working days to verify your identity if you go to a Yes Bank branch to submit documents. If you opt for online verification (e-KYC), your verification will be done instantly.
Please present a valid identification document along with your PAN card at any Yes Bank branch during your verification process.
Acceptable ID documents are: passport, voter ID card, driver’s licence or Aadhaar card.
You can visit any Yes Bank branch nearest to you, to verify you profile in person.
If your loved ones sent you money directly to your bank account, you don’t need to do anything, the money will be automatically deposited.4 If your loved ones sent you money for pick up in person, please visit the nearest agent location.
You need to present any government-issued ID5 to pick up money at a Western Union agent location in India. If your name has changed due to marriage or gazette notification, do not forget to bring your marriage certificate or Gazette notification indicating your change of name.
As per government requirement you can receive up to $2,500 USD (or its INR equivalent) per transfer.
Maximum cash payout for all Indian nationals is 50,000 INR; Payouts over 50,000 INR will be paid by local crossed cheque only. Under exceptional circumstances, foreign nationals with Tourist VISA could get over 50,000 INR in cash.
You can only receive a maximum of 30 transfers per year.
All fees are paid by the sender. Receiving money is free of charge.
Western Union services are for anyone who needs to send or receive money quickly. From travelers and people supporting friends or relatives abroad.
You can check your transfer status online. All you need is the sender’s name and the tracking number (MTCN – Money Transfer Control Number) found on the transfer’s receipt.
You can receive money within the operational hours of our agent locations. You can check times of operation online.
Western Union values its business and takes pride in delivering your funds in the quickest and most reliable way possible. However, it is important that you protect yourself from fraudsters who are out to get your money. Below are some frequently asked questions about fraud. For more information, please visit the Fraud Awareness section here.
Yes. Only use Western Union to send money to friends and family. Never send money to someone you have not met in person. Scammers sometimes encourage people to transfer money. Do not transfer money to anyone who asks you to send them money:
If you transfer money, the person you’re sending it to gets the money quickly. After the money is paid, Western Union may not be able to give you a refund, even if you are the victim of fraud, except under limited circumstances.
If you receive an email from anyone claiming to be from Western Union and you are unsure about it, do not click on any links in the mail. This may be a phishing attempt to acquire sensitive information from you. Instead, immediately forward the suspicious mail to wu-indiacsc@westernunion.com Western Union will never send you e-mails to ask for your user ID, password, or credit card details.
You should contact the Western Union Fraud Hotline at 1-800-102-7111 immediately for assistance with a transaction that you believe was sent for fraud. You should also file a report with your local law enforcement. You should also contact your government’s Office of Consumer Affairs and police station if you are uncertain or suspicious of a telephone, mail, or e-mail solicitation.
Registration is required for sending money abroad online from WU.com. Complete the profile registration form on wu.com and follow these steps:
If you have any questions while registering, please call Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
No, it’s free to register for our online services in India.
Anyone who meet the following criteria can send money online through wu.com in India:
You can only register once with your email ID.
You can change or update your WU Profile information from the Profile overview tab after you log in to wu.com.
After your profile is verified you cannot change your name, last name, date of birth and nationality. If you need to change this information after your profile is verified, please contact Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm . Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
Your username is your email address.
If you forgot your password, you can select the Forgot password option and a new password will be sent to your email.
If you repeatedly entered your details incorrectly and your profile gets locked, please try log back in to your profile after 30 minutes or contact Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
You can change your password on the Profile Overview page after logging in. Please select Edit profile from the right-side menu and choose the change your password option.
To delete your Western Union profile, please contact Western Union Customer Care toll free number at 1-800-102-7111 available from 9:00 am to 9:00 pm Indian time from Monday to Sunday (if calling from outside India, please dial +91-73-148-19855), or send an email to wu-indiacsc@westernunion.com.
Tax Collected at Source (TCS) is an income tax collected on international money transfers falling under the Liberalized Remittance scheme (LRS) given in Section 206C of the Income Tax Act 1961.
TCS came into effect from October 1, 2020. However, all international money transfers under LRS made from April 1, 2020 would be considered for applying TCS.
LRS is a scheme that allows a resident individual to send money internationally up to USD 250,000 every financial year.
• A 5% TCS is applicable for all international money transfers under LRS more than INR 7,00,000 in a financial year including educational payments without loans.
• A 0.5% TCS is applicable if a loan is obtained from a financial institute for educational purpose as defined under section 80E. However, YES Bank charges 5% TCS on all international money transfers more than INR 7,00,000 in a financial year, including on a loan obtained from a financial institution for educational purpose.
• Thus, irrespective of the purpose of transfer or the source of funds, TCS is applicable and will be collected and remitted by Yes Bank on all international money transfers exceeding INR 7,00,000 in a financial year under section 260C of the LRS of RBI.
• A 10% TCS is applicable on international money transfers if PAN card is not provided. Please note, Western Union does not process any money transfer without a PAN card.
YES Bank, being the authorized dealer, will collect the TCS at a 5% rate on international money transfers exceeding INR 7,00,000 under section 260C of the Liberalized Remittance Scheme (LRS) of RBI.
A 5% TCS is applicable on all international money transfers exceeding INR 7,00,000 in a financial year under LRS.
As per current regulations, If the money transfer is for educational purposes through a loan obtained from any financial institution as defined under section 80E, the TCS rate will be reduced to 0.5%. However, this being an online model, as required by Yes Bank, TCS will be charged at flat rate of 5% for transactions across all purposes by Yes Bank. You can claim refunds for TCS paid against the tax payable while filing your income tax returns as per process.
The TCS is applicable on all international money transfers under LRS from October 1, 2020. However, for tracking the total threshold limit of INR 7,00,000, all international money transfers under LRS made from April 1, 2020 would be considered.
Yes, TCS paid can be adjusted against tax payable by filing the income tax returns (ITR) in India subject to applicable income tax provisions. The TCS remittance from the bank’s side will be reflected in Form 26AS of the Pan card holder.
Please note that Western Union or YES bank cannot refund the TCS collected and paid to the government. However, you can claim a refund when filing the income tax returns (ITR). For more information, please refer to the outward remittance web section on the YES bank website.
Yes, there are the following exemptions from TCS:
• Money transfers sent via Western Union and other YES Bank channels, or international payments via YES Bank debit card less than INR 7,00,000 in a financial year are exempted from TCS.
The TCS can be set off against the overall liability of the taxpayer. If a parent has already paid tax on their income and is simply paying the same on behalf of their child, the parent can claim a TCS refund by filing the income tax returns (ITR) in India.
No, there is no relaxation on TCS rates due to COVID-19 situation. Therefore, it needs to be collected at a specified rate of 5%.
Some examples to understand how TCS is applicable:
Case 1:
Mr. A made his first international money transfer of INR 5,00,000 in April 2020 – No TCS
Mr. A made his second international money transfer of INR 2,00,000 in June 2020 – No TCS
Mr. A made his third international money transfer of INR 3,00,000 in September 2020 – TCS will be applicable on INR 3,00,000
5 lakhs + 2 lakhs + 3 lakhs = 10 lakhs. As the limit of money transfer of INR 7 lakhs in a financial year is exceeded, a 5% TCS will be applied on INR 3 lakhs.
Case 2:
Mr. B made money transfers of INR 10,00,000 up to September 30, 2020 – No TCS was applied
Mr. B made money transfers of INR 5,00,000 from October 2020 – March 2021 – TCS applied
10 lakhs + 5lakhs = 15 lakhs. In this case, as the threshold limit of INR 7 lakhs in a financial year is already exceeded before October 1, 2020, a 5% TCS will be applied on every money transfer made after October 1, 2020. In this case, on INR 5,00,000.
Case 3:
Mr. C has made a money transfer of USD 20,000 through Western Union on October 5, 2020 towards education fees out of India through his loan borrowed from a bank (qualified loan under Indian Income Tax Act) – TCS applied
– USD 20,000 = INR 14,80,000. In this case, as the threshold limit of INR 7 lakhs in a financial year is exceeded, a 5% TCS will be applied on INR 7,80,000. Though TCS rate is reduced to 0.5% on money transfers for education purpose paid through loans but YES Bank charges the TCS on loan obtained from a financial institute for educational purpose at 5% only.
They are our representatives in the different countries you need to send or receive money, they may be banks, post offices, supermarkets, grocery stores, check cashers, mailbox centers, drug stores, travel agencies, depots, airports, train and bus stations, currency exchange offices and other retailers.
Finding an agent location in India is easy, just select our agent locator tool.
Money transfers from agent locations in India are not available.
Each Western Union agent location determines its own hours of operation. Some have extended hours and open during weekends. Finding an agent location in India is easy, just select our agent locator tool.
Money transfers will generally be paid in cash. Other restrictions may apply. Please contact a Western Union agent to get more information about restrictions or call Western Union’s Customer Care toll free number 1-800-102-7111 available from 9:00 am to 9:00 pm IST from Monday to Sunday, if calling from outside India, please dial +91-73-148-19855, or send an email to wu-indiacsc@westernunion.com.
If you are interested of becoming one of our agents, please visit our become an agent information page.
We are sorry for the inconvenience. Given the ever-changing situation, we recommend those experiencing local restrictions due to COVID-19 visit westernunion.com or use our mobile app to send transfers for payout directly to a bank account or a digital wallet.
Your transfer will be available for 30 days. After this time, your sender will have to contact our Customer Care to restart the transfer or cancel the transfer for refund.
For security reasons, only the designated receiver can pick up a transfer. However, you can ask your sender to contact our Customer Care to cancel that transfer and start a new one. Your sender can then transfer money online directly to a bank account or a mobile wallet, if available.
Please be aware of the risk of fraud and phishing, especially during this time, and take extra caution when sending money:
Please visit our Fraud awareness page to learn more and check current Coronavirus-related online scams.
We have no reason to believe that banknotes are more likely to spread viruses like Coronavirus than any other surface. The guidance from the World Health Organization remains that basic hygiene is the best possible defense against Coronavirus.
Western Union and the Western Union Foundation launched a $1M USD global appeal and is accepting donations through May 15th Western Union and the Western Union Foundation will match up to $500,000 USD in donations to go toward supplies, equipment, and frontline medical aid. Donate here.
To protect our customers, we review every money transfer to make sure it’s safe. For a variety of reasons, we may ask you to provide us with more information before we can allow you to continue using our services.
We need additional information to understand why you use Western Union and the relationship between you and the person or entities you’re transacting with. The more information you provide, the quicker we’ll be able to complete your request.
To have access to our services again, follow the steps below:
a. Valid government-issued photo ID is needed to verify your identity.
b. Source of funds is needed to make sure that the money transfers are not related to illegal acts and correspond to the nature of your activity.
c. Purpose of money transfer or intended use of money is needed to understand the basis for making the payment and the type of relations between the sender and the payee.
d. Third party activity (sending or receiving money on behalf of individual or business) information is needed to understand the purpose and nature of your relationship with Western Union.
After we’ve received your completed questionnaire and required documentation, we’ll email you a response within 3 business days.
In case we have additional questions, we may contact you via the email address provided in the questionnaire.
We’re committed to the security of your personal information. We use organizational, technical and administrative safeguards that comply with applicable government laws and regulations to secure your personal information. We also restrict access to the personal information that we process to only our employees, agents and representatives that have a business need to know it. For more information, read our Terms and Conditions and Online Privacy Statement.
1 Country list may change. Changes are subject to Western Union capability to undertake account payout.
2 Optional fields depending on the receiving country.
3 Country list may change. Changes are subject to Western Union capability to undertake account payout.
4 Timing of deposits and their availability are subject to the banking laws and regulations of India.
5 Acceptable IDs are subject to the banking laws and regulations of India