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Want to send money abroad from the UK using just your phone? A money transfer app could be just what you need.
In this guide, we’ll be taking a look at the money transfer app from Western Union, the popular US-based transfer specialist. We’ll show you how it works, how to get it and how to use it. And is the Western Union app safe? Read on to find out.
Yes, you can use the Western Union app in the UK to send money 24/7. It’s primarily set up for sending, where you can enter the details of your transfer and start a transfer in a few easy steps. But there’s also a function for tracking a transfer sent to your bank account or card.
It’s worth noting though that it isn’t a mobile wallet. So you can’t use the Western Union app to receive money directly or hold a balance.
Western Union doesn’t state exactly which countries can and can’t use the Western Union app. However, we’ve checked and it’s definitely available for customers in the UK.
If you live outside the UK, you can head to the Western Union website to check whether the app is available for your country.
The Western Union app has a number of security features to help keep your money, details and transfers safe. These include:¹
- Encrypted transfers
- Biometric (fingerprint) login to prevent unauthorised access
- Data security protection (Western Union is PCI DSS compliant)
- Transfer tracking and notifications.
In addition, Western Union is regulated by the Financial Conduct Authority (FCA) in the UK and also has a dedicated anti-fraud hotline.
To make a transfer on the Western Union app, you’ll first need to download it from the Apple App Store or Google Play Store. Then you’ll need to create an account, and you’ll be ready to start sending money worldwide.
Follow these steps to send money using the WU app:¹
- Login to the app using your fingerprint or PIN
- Enter a destination and the amount you’d like to send
- Choose a payout method - such as bank transfer, cash pickup or mobile wallet (if available in your recipient’s country)
- Check the fee and exchange rate
- If you’re happy, pay for your transfer using your bank account or debit/credit card
- Confirm the transfer
- A tracking number (MTCN) will be created, which you can share with the receiver so that they can track the payment and collect the money (if you’ve chosen cash pickup).
And that’s it!
You can also use the app to:¹
- Track transfers
- Set up preferred exchange rate alerts
- Import contacts from your phone
- Set up transfers in the app and pay for them at a physical Western Union agent location
- Scan your debit or credit card - this can make it quicker to pay and avoid the risk of entering details incorrectly.
The Western Union app is available on both the Apple App Store and Google Play Store, so most mobile devices should be covered.
It’s quick and easy to download the app, and creating an account should be pretty straightforward too.
And there you have it - your at-a-glance guide to the Western Union app in the UK.
We’ve looked at how to get it, what you can do with it and how to set up your first transfer. So you should be all set to download the app, sign up and start sending.
Just remember to compare alternatives before hitting ‘send’, as there could be a better deal out there.
This includes Wise, which lets you send money in multiple currencies for low, transparent fees and mid-market exchange rates. You can send and track transfers easily in the user-friendly Wise app, along with checking exchange rates and fees upfront.
- Western Union - Money transfer app
Sources last checked on date: 31-May-2023
This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.
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