Frequently Asked Questions

To send money online in Japan, follow these steps:

1. Log in to your online profile. If you need to create your online profile, select Join now on the homepage.
2. Select Send money.
3. Choose the receiver’s country and enter the send amount. You may send up to 1,000,000 JPY per transfer after your identity is verified.
4. Choose your send and receive* methods.
5. Enter your receiver’s details and select Continue.
6. Review your transfer details and select Continue.
7. Follow the instructions to complete your payment.

*The receive methods will vary depending on the receiver’s country.

To complete your online profile, follow these steps:

1. Log into your online profile.
2. Provide your personal information, including first name, last name, phone number, date of birth, home address, nationality and country of birth.
3. Select Continue.

After completing your profile, you will need to verify your identity.

How do I verify my identity?

Important: You must verify your identity after completing your profile and before you start your first transaction.

1. Log into your profile.
2. Take a picture(s) of your ID.Accepted ID types:
   1. For Japanese residents:
      1. My number card or
      2. Japanese passport or driving license plus My number card or Juminhyo with My number or Notification card (issued within the last 6 months)
   2. Non-Japanese residents:
      1. Residence card plus My number card or Juminhyo with My number or Notification card (issued within the last 6 months)
3. Submit a selfie in real time.

The verification process can take up to 3 hours after we receive the required information. We’ll let you know when it’s completed.

If you have any questions, contact Customer Care at 0120-961-623 (toll-free from Japan) or +81-3-6868-0758 if calling from overseas or chat with us.

My Number is collected for tax purposes and in accordance with tax regulations. This information needs to be collected and verified only once, before your first online money transfer can be completed, and will be stored in accordance with the Personal Data Protection Act.

If you are a Japanese resident, your My Number card is accepted as a valid document for ID verification.

You can send money for a cash pickup in more than 200 countries and territories, and even directly to your receiver’s bank account if the service is available. You can also transfer money to mobile wallets (eWallets) in select countries.

However, under the Foreign Exchange Law, money transfer to North Korea or any North Korean nationals overseas, is prohibited.

You can pay for your money transfer online through your personal internet banking account, or at an ATM.

If you have any questions, contact Customer Care at 0120-961-623 (toll-free from Japan) or +81-3-6868-0758 if calling from overseas or chat with us.

You can send up to 1,000,000 JPY per transfer after your profile is verified, with a maximum of 3 transfers in a 24-hour period.

If you need to send more money, visit an agent location.

You will receive an email confirmation with your money tracking control number (MTCN). If the identity verification fails, your transfer will be canceled, and you will be notified as well.

An online money transfer can only be canceled if it has not been collected by the receiver in the destination country.

If you wish to cancel your money transfer, please contact Customer Care at 0120-961-623 (toll-free from Japan) or +81-3-6868-0758 if calling from overseas or chat with us.

Yes, a receipt will be sent to your email after the transfer is completed. You can also see the details of all your transfers under History in the Western Union app or on wu.com.

The Money Transfer Control Number (MTCN) is a unique number assigned to your transfer.

Your receiver will need this number when they pick up their money, and it can also be used to track your transfer.

You can request your transfer to be canceled and seek a refund if something goes wrong, or you change your mind or if the transfer could not be completed.

Please note that the transfer fee will not be refunded to you if the cancellation request is made by you. Cancellation fees will not be levied if the funds are not paid out to the receiver.

You will need to contact us to cancel your transfer within 14 days of making a transfer.

Call our Customer Care at 0120-961-623 (from Japan), +81-3-6868-0758 (from overseas), available in English and Tagalog  24/7 and Japanese and Chinese 9 am to 10 pm daily.

Please keep your MTCN handy when you call us.

If you wish to get a refund of your money transfer, contact Westernunion.com Customer Care at 0120-961-623(toll-free from Japan) or +81-3-6868-0758 if calling from overseas or chat with us.

A refund can be processed only if the money is not picked up by the receiver at a participating agent location or deposited into the receiver’s bank account.

For more information visit https://www.westernunion.com/jp/en/legal/terms-conditions-digital.html

After you have canceled your money transfer with a Customer Care representative, you will need to find your nearest participating agent location.

Refund to bank account is now available in Japan & please contact our customer care for it

Find your nearest agent location for one of the agents listed below in the Agent Locator.

Visit the agent location during operation hours and carry with you a valid ID and MTCN to verify your identity and the refund amount.

It is advisable that you call the agent location before you visit to ensure that they have the required refund amount ready for you.

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.

You can make up to 5 transfers to the same receiver on Alipay wallet within a 30-day period starting from the date of the first transfer. If it’s urgent, you can always choose a different payout method such as bank account or cash.

To pay for your money transfer at a convenience store, you must start a money transfer online and choose Pay at a convenience store as your payment method and generate the MTCN online.

To complete your transfer at Lawson:

1. Visit Loppi.
2. Select Those holding Client Number.
3. Enter the 14-digit Reference Number in the Client Number field and select Next.
4. Enter the 4-digit Confirmation number and select Next.
5. Confirm the on-screen information and print the application ticket.
6. Give the ticket to the cashier and pay in cash.
7. Collect the payment receipt from the cashier.

Note:

• You will have to pay at the cash counter within 30 minutes after printing the application ticket.
• You may need to show the email you receive from us to the cashier.
• You can pay only in cash at the convenience store.
• To know how to generate the MTCN, please go to our help center.

After you place your transaction online, you will get a 10-digit transfer number MTCN. You can go to track a transfer and enter your MTCN to know the transaction status in real-time.

No, you can only pay in cash at the convenience store.

No, you don’t need to show any document at the convenience store.

After you place the transaction online, you’ll have up to 48 hours to pay at the convenience store.

If you don’t pay at the convenience store within 48 hours, your transaction will be canceled. You can always start a new transfer.

You’ll have up to 48 hours to pay at the convenience store.

If you don’t pay at the convenience store within 48 hours, your transaction will be canceled.

You can start a new transfer. 

Sau khi b?n h?y chuy?n ti?n v?i ??i di?n c?a b? ph?n Ch?m sóc khách hàng, b?n s? c?n ??n ??i lý ??i tác g?n nh?t.

Hoàn ti?n vào tài kho?n ngân hàng hi?n không có ? Nh?t B?n. Chúng tôi ?ang c? g?ng ??a d?ch v? này ??n v?i b?n s?m.

Tìm ??i lý g?n nh?t c?a b?n trong s? các ??i lý ???c li?t kê d??i ?ây trong ph?n Trình ??nh v? ??i lý.

Hãy ??n ??i lý trong gi? ho?t ??ng và mang theo gi?y t? tùy thân và MTCN h?p l? ?? xác nh?n danh tính và s? ti?n hoàn l?i.

B?n nên g?i cho ??i lý tr??c khi ??n ?? ??m b?o r?ng h? có s?n s? ti?n hoàn l?i c?n thi?t cho b?n.

Gi?i thi?u v? UPI

Giao di?n thanh toán h?p nh?t (UPI) là ph??ng th?c thanh toán cho phép b?n chuy?n ti?n ngay l?p t?c t?i tài kho?n ngân hàng ? ?n ??.

Hi?u rõ UPI ID

UPI ID là m?t ??a ch? thanh toán ?o (VPA) giúp xác ??nh m?t ng??i duy nh?t. ??nh d?ng UPI ID gi?ng nh? ID email: v?i ký hi?u “@” ? gi?a. Ví d?: UPI ID c?a ng??i nh?n c?a b?n có th? là “receiver’s_name@bank_name” ho?c “phone_number@bank_name.”

Khi g?i b?ng UPI ID, b?n ch? c?n UPI ID c?a ng??i nh?n. B?n không c?n h?i ng??i nh?n v? s? tài kho?n, lo?i tài kho?n, tên ngân hàng hay mã IFSC c?a h?.

?? nh?n thanh toán, ng??i nh?n c?n UPI ID ???c liên k?t v?i ngân hàng h? tr? chuy?n ti?n UPI qu?c t?. Vui lòng xem bên d??i ?? bi?t danh sách các ngân hàng h? tr? UPI qu?c t?.

Danh sách ngân hàng h? tr? chuy?n ti?n UPI qu?c t? hi?n t?i

D??i ?ây là các ngân hàng hi?n h? tr?. Chúng tôi s? s?m c?p nh?t thêm ngân hàng.

Gi?i h?n g?i khi s? d?ng UPI

Hi?n t?i b?n có th? g?i t?i 200.000 INR m?i l?n chuy?n.

Các b??c ?? g?i ti?n b?ng UPI thông qua Western Union

Western Union là công ty d?ch v? chuy?n ti?n ??u tiên s? d?ng d?ch v? chuy?n ti?n UPI qu?c t?.

1. ??ng nh?p vào h? s? Western Union cu?a ba?n.

2. Ch?n ?n ?? làm qu?c gia nh?n (b?n s? c?n bi?t ??a ch? g?i th? c?a ng??i nh?n).

3. Ch?n g?i b?ng cách s? d?ng thanh toán ngân hàng và s? d?ng b?t k? ph??ng th?c thanh toán nào.

4. Ch?n UPI ID bên d??i ph?n thông tin ngân hàng. B?n s? có th? duy?t tìm t?t c? các ngân hàng h? tr? ?? chuy?n ti?n UPI qu?c t?.

5. Ch?n g?i s? ti?n chuy?n và th? là xong! Thông th??ng, vi?c chuy?n ti?n c?a b?n s? ???c hoàn t?t trong vài phút.

B?n có th? th?c hi?n t?i ?a 5 l?nh chuy?n ti?n cho cùng m?t ng??i nh?n trên ví Alipay trong th?i gian 30 ngày b?t ??u t? ngày chuy?n ti?n ??u tiên. N?u ?ây là tr??ng h?p kh?n c?p, b?n luôn có th? ch?n ph??ng th?c thanh toán khác nh? tài kho?n ngân hàng ho?c ti?n m?t.

Important: You must verify your identity after completing your profile and before you start your first transaction.

1. Log into your profile.
2. Take a picture(s) of your ID.        
3. Submit a selfie in real-time.                                    

Accepted ID types:

1. 1. For Japanese residents:
      1. My number card or
      2. Japanese passport or driving license plus My number card or Juminhyo with My number or Notification card (issued within the last 6 months)
   2. Non-Japanese residents:
      1. Residence card plus My number card or Juminhyo with My number or Notification card (issued within the last 6 months).

The verification process can take up to 3 hours after we receive the required information. We’ll let you know when it’s completed.

For questions, contact Customer Care. You can also send an email to JapanEnglish.customer@westernunion.com for support in English, or to Japan.Customer@westernunion.com for support in Japanese.