Western Union

 

Western Union international money transfers. We value our editorial independence, Transfer money online, through Western Union’s mobile app.

Within 24 hours, customers can head to the most convenient location with the money transfer control number MTCN and the same original valid ID used during registration. This article was co-authored by Michael R. Western Union via BSN offers money transfer services that allow consumers and businesses to send and receive funds within minutes at agent locations wordwide.

Send money by phone

Use Western Union to send money online or in person to friends and family around the world to more than countries and territories from the Canada.

There are advantages and disadvantages with both, mainly centred on cost versus speed of transfert. Our research team did an independent comparison of the Western Union fee structure. Fees are accurate at the time of writing. However, to access live transaction fees you will need to log on to www. You can register for free which takes approximately 5 minutes. Fee free promotions are valid up until the 31 st August This is a fast card to cash service where you pay online and the recipient is able to pick up funds within 10 minutes at any Western Union agent globally.

Our research has found above this is the more expensive of the two main services. However, on the flipside you take advantage of a much faster speed of transfer. Direct To Bank Account — A card to bank account service. As the table highlights below, this is the economic option offered by Western Union. Give them your transaction details and the reason you are cancelling the transfer.

You may have to pay a cancellation fee, but you will be funded the principal amount. Lewis on January 1, This article was co-authored by Michael R. Lewis is a retired corporate executive, entrepreneur, and investment advisor in Texas. Determine why you wish to cancel your transfer. Western Union will want to know the reason for the requested cancellation, so be prepared to provide this information. If you believe that you are a victim of fraud , immediately call your customer service number number found on your national Western Union website.

This will ensure that your money cannot be picked up and will be made available for you to receive as a full refund of principal send amount and charges. Gather your transaction details. For security reasons, Western Union cannot proceed with your request without proper verification of a transaction. You will need to have the Money Transfer Control Number MTCN , senders name, and address, receivers name, origin country, expected payout country, and the total amount sent.

If available, it is helpful to have the original "to send" money form, as this already has all of the information included on it.

You will also need a copy of the same form of identification that you used to send money. Find information about the place of purchase. The original money transfer transaction could have been purchased at a sending agency or online. If the transaction took place at a sending agency, find the location and hours of operation, so you can visit that location.

If the transaction took place online, find your national email or consumer line phone number. The easiest way to find this is to access your national Western Union website and click on "contact" in the top right hand corner of the website. The email address for your country is as follows: Contact the original place of purchase. You will need to visit or otherwise contact the place of purchase for the money transfer.

If the transaction took place at a sending agency, you will need to visit that agency's physical location. If the transaction took placed online, you will need to send an email or call the consumer line phone number. You will need to share any necessary information in-person, via email, or over the phone. You will need to explain that you are requesting a cancellation and provide an explanation for your request.

This is to help avoid or report any potential fraud. In order to verify your request, you will need to provide the following information: If any of these do not match the information, Western Union will be unable to proceed with your request.

Answer any additional questions. The sending agency or Western Union may ask follow-up questions to ensure proper privacy and security. Answer any required information in a timely manner. Pay any required fees. Depending on the type of original transaction cash, check, credit card, etc. Note that it may be possible for the fee to be deducted from your refunded money. You will now receive your refund in cash or credited to your bank or credit card account. If you are visiting a sending agency, simply wait for the agent to call one of the Western Union offices, wait a few minutes and then collect your money in cash.

Refund requests made on the same day will always include the charges as well as the principal send amount. However, if your refund request is not made on the same day you will lose the charges unless there was an error on Western Union's side or you were a victim of fraud, in which case you will receive a full refund. If you contacted Western Union via email, you will receive a confirmation email once your request has been processed. Retain the cancellation information.

Keep copies of any receipts, emails, or confirmation numbers you may receive from the sending agency or Western Union. Complete a Tracking request to ensure that the transaction has not been completed. In all likelihood, you will be charged a minimum fee for the cancellation. Not Helpful 2 Helpful How long will it take Western Union to refund my cancellation back to my card? If the transfer has not been completed, you can cancel or stop a transfer at any time.

Depending upon the source of funds being transferred credit card, bank account, cash , funds are usually credited or available no later than the following business day. Not Helpful 5 Helpful All you have to do is simply cash the money order and you will receive the full amount. Not Helpful 1 Helpful 8. Call Western Union and see if it has been picked up yet.

If the recipient has picked it up, then you won't be able to cancel it. Not Helpful 0 Helpful 4. They will hold it until it's picked up, however things change from state to state, and country to country. If the money is never picked up and the sender never comes back to claim it, after a certain time the funds will be turned over to the state to return to the owner minus a sizable amount in fees.

Not Helpful 3 Helpful IF they can cancel, there may not be a fee, but you will be out the original transfer service fee regardless of what you do. Not Helpful 1 Helpful 7.