Having Money Sent to Your Bank
Give the sender your bank account information. The sender will need the name of your bank, as well as your account number and routing number, to transfer money directly to your bank. You should only give out this information if you are receiving money from a person you know and trust or from a legitimate, well-known company. You should be able to find your account and routing number either by calling your bank or by logging into your account on your bank’s website.
Make sure the sender has your full name as listed on your bank account. For instance, if the name on your bank account is William H. Smith and your friend writes “Billy Smith” on the transfer form, you may have trouble receiving the transfer. Double check that the sender has used your full, correct name.
Provide your International Bank Account Number if you are receiving overseas. If you are receiving money from someone in another country, you may need to give them your International Bank Account Number and/or your International Bank Identifier Code. Call your bank or check your bank’s website to find these numbers.
Wait 2-5 days for the money to transfer. In most cases, money sent directly to your bank account should transfer within 2-5 days. The sender should also have a receipt that says when the money will be available.
Check your account balance to see if the money has transferred. Log in to your online account, call your bank, or visit your branch in person to see if the transfer has gone through. It should appear by no more than 5 days after it was sent, or by the date listed on your sender’s receipt.
Use the Money Transfer Control Number to track the transfer. Your sender should be able to find a Money Transfer Control Number (MTCN) on their receipt. You can use this number to track the transfer using the Western Union website or app.
Collecting Money at a Western Union Location
Give the sender your full name and address. You will need to provide the sender with the name and address on your government-issued ID in order to pick up money at Western Union. Make sure you give them the address on your ID even if it’s not your current address.
Write down the sender’s full name and address. You will need to provide this information when you go to pick up your money. Ask for the name and address that the sender will use for the transfer.
Ask the sender for the Money Transfer Control Number on their receipt. Once the sender has transferred the funds, ask them to provide you with the tracking number, or Money Transfer Control Number, listed on their receipt. This will allow you to track the transfer and find out when the funds are available for pick-up. The sender’s receipt should also list the date that the funds are expected to become available. However, it can be a good idea to track the transfer anyway to confirm that it is available before you go to pick it up.
Go to your nearest Western Union location. You can receive funds at any Western Union branch. Find out which branch is closest to you using Western Union’s online location tool: https://locations.westernunion.com/
Present a government-issued ID card. The name and address on your ID should match what the sender provided when filling out the transfer information. The ID should be current and not expired.
Provide the sender’s name and address and the tracking number. You may also need to know the amount you will be receiving. In some countries, it is also necessary to answer a security question, which your sender should have discussed with you beforehand.
Receiving Money with a Mobile Wallet App
Set up a mobile wallet on your phone. Some phones come with mobile wallets already installed. Check to see whether you have a mobile wallet app on your phone, and if not, download one from your service provider. Apple Pay, Samsung Pay, and Android Pay are common mobile wallet apps.
Enter your credit or debit card information. Once your mobile wallet is installed, it should prompt you to provide your credit or debit card information. Use the card that you want to receive money on or would like to send money from in the future.
Give the sender your phone number. Unlike with in-person pick-up or direct bank deposits, the sender only needs your phone number to transfer funds to your mobile wallet. Be sure to provide the country code if you are receiving money from someone overseas.
Use the tracking number to see when your funds transfer. Money sent to a mobile wallet will usually only take a few minutes to transfer, but it may take longer depending on various factors such as the amount sent, the destination country, and availability of currency.
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