Frequently Asked Questions

Below are some of the most frequently asked questions. If you cannot find what you are looking for here, please call to speak to one of our customer service representatives at 1.866.430.5386 (U.S. and Canada) or +1.732.694.2257 from international locations. You can also send an email to online@westernunion.com.

Registration

What types of documentation will I need to submit with my online application?

Canada and the US require different information in some cases. Please review the following carefully.

If you are a sole proprietor, you will need all of the following:

  • Bank statement
  • One, valid primary piece of identification and one, valid secondary piece of identification*
  • Physical mailing address, PO boxes are not accepted

If you are a business, you will need all of the following:

  • Bank statement
  • List of all shareholders holding at least 25% of the company
  • Proof of signing authority
  • Official business documentation (ex. business license)
  • Physical mailing address, PO boxes are not accepted
  • One, valid primary piece of identification and one, valid secondary piece of identification (passport, birth certificate, and driver's license)

*Examples of acceptable identification include passport, birth certificate, and driver's license.

How will I know if my application has been accepted?

Upon completing the online registration, you will receive an email with information about the status of your account. You may be required to provide additional information to complete your account registration.

Once all requirements have been satisfied, you will receive an email confirming the activation your account.

Transaction

Will I be charged a fee for using this service?

There is no fee to start and hold an account. Fees vary by your actual transaction. Depending on the nature of your transaction, some charges may be imposed by a third party institution such as banks and payment processors. Please see the funding and payment types section for more information.

How fast will my recipients receive their money?

Speed varies by the options you choose. Please see the funding and payment types section for more information.

Do my recipients need to have a Western Union account too?

No they don't. You can send a payment directly into their bank account or as a draft (which is like a money order) through the mail. Drafts are available only in select countries.

Who do I contact for questions or troubleshooting?

Customer Service representatives are available 24 hours a day, six days a week. Please call 1.866.430.5386 or email online@westernunion.com

Do I still need to add my bank account if I submitted my bank statement?

Yes, your bank statement is used for authentication, and will still need to add your bank account manually once your account has been activated.

Can I lock in a specific exchange rate for an extended period of time?

Yes, you can book a Forward Contract that lets you send payments in the future at a pre-set exchange rate. There are fees associated with this service, a security deposit required, and a minimum amount to be contracted. Please call us for more information.

Can I bid on an exchange rate and transact when my preferred exchange is met?

Yes, a Limit Order allows a client to request that a transaction be booked when the rate reaches a certain level within 30 days. This service is now available through your Online FX account.

Sign up for a free account today