How to Receive Money （WESTERN UNION)
How to Receive Money （By Cash Pick-up at an agent location)
In principle, money sent through the Seven Bank international money transfer service will be received at a location affiliated with Western Union in cash in a foreign currency specified by the customer. In principle, the receiver does not need to have a bank account. To receive money, the receiver needs to present the Money Transfer Control Number (MTCN) that will be communicated from the sender and to perform the prescribed procedure at a receiving location.
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Receive an MTCN and other information from the sender
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Go to a receiving location affiliated with
in the country where the money is to be receive- * About Western Union
- * Click here to see major receiving locations in major countries.
- * On how to receive money at banks in Brazil, HERE
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Enter the necessary information including the MTCN on the reception application form and submit it at a receiving location affiliated with
. Perform the prescribed procedure there. -
Receive the funds transferred in cash in a currency specified by the customer
- Even if the Bank accepts a money transfer request, there may be cases where the receiver is unable to receive payment at any part of or all of the Payment Center located in the payout country or where the relevant amount cannot be credited to the Receiver's Bank Account due to transactional restrictions prescribed by the Alliance Partner, the Payment Center or the Receiver's Bank.
- Alliance Partner, Payment Center or the Receiver's Bank may establish or change restrictions on the payment to receivers, etc. without any prior notice. The restrictions include limits on payout amount and frequency of payment, restrictions on kinds and volume of the payout currencies, qualification requirements of the receiver such as those on its age, address and whereabouts, and restrictions under laws and ordinances of the payout country, etc. Money transfer accepted by the Bank will be limited by these restrictions, and payment to a receiver will be made only within such limitation. There may be cases where a separate transaction, such as conversion to another currency (including conversion of small denominations of the payout currency into another currency), is required for payment.
- If the Cash Receipt Method is taken, it will be necessary to take certain procedures, including the presentation and provision of documents and information as prescribed by the Payment Center, in addition to the presentation of the transaction details.For inquiries about receiving money transfers at an agent location, please contact the Western Union Customer Service Center (0120-961-623).
How to Receive Money （By deposit into a bank account）
Money transfers sent through the Seven Bank International money transfer service (deposit into a bank account) will be deposited to the bank account at the affiliated banks with Western Union in China and the Philippines in a foreign currency specified by Seven Bank. To receive the money, the receivers must go through the prescribed procedures of the receiving banks.
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Receive an MTCN and other information from the sender
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(For remittances to China only)A procedure prescribed by the receiving bank is required
By deposit into a bank account in
China【Deposit Procedures】
【About "Deposit-into-Bank Account" to China】
For bank account deposits to China, transfers are processed through the UnionPay network.
If this is the first deposit to the designated recipient's bank account, ID registration is required. The recipient must complete the required registration procedure within five business days, including the date the remittance is sent.- After the remittance is sent, UnionPay will send an SMS to the recipient.
- The recipient should open the link in the SMS, enter the required information, and register their ID.
If the recipient is a Chinese national:
ID registration is required only for the first transfer.
From the second transfer onward, the funds will be deposited into the recipient's account automatically.If the recipient is not a Chinese national:
ID registration is required only once, during the initial transfer.
However, other information must be confirmed for each transfer, so the recipient should always check the link provided in the SMS.- *Important: If the required registration is not completed within the specified period, the transfer will be automatically refunded.
- *The SMS containing the link will be sent through an SMS service provider using a sender ID that starts with "106"
- *For detailed instructions on how to complete the registration via the SMS link, please refer here.
- *UnionPay was established in 2002, is China's leading bankcard association and serves as the foundation of the country's everyday payment infrastructure. Since 2006, Western Union has partnered with UnionPay to provide direct-to-bank account transfer services in China.
Inquiries Regarding ID Registration and SMS Link
UnionPay Direct to Bank Account (D2B) Registration Support Hotline:
Phone: +86 21-28939058 or +86 21-80522252
Hours of operation: 9:00–18:00
(Chinese language support only; available year-round)Inquiries Regarding Remittance Transaction Status
Western Union Customer Support Hotline
Phone: +86 400-819-9377 or +86 21-68664610
Hours of operation: 8:00–21:00
(Chinese and English language support; available year-round)- *Please note that calls made from internet-based phone services may not be connected.
Information Verified Through the SMS Link
When accessing the SMS link, the following information and other required details will be verified:
- ・Recipient’s bank card number
- ・Recipient’s mobile phone number
- ・Recipient’s full name
- ・Nationality
- ・Type of ID held by the recipient
- ・ID number
- ・Purpose of Remittance
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Check the status of your money transfer to the bank
By deposit into a bank account in
China【The number of days required for deposit】
Money will be credited to the designated bank account in 2 business days (business days of the receiving bank) after predetermined procedures.
For inquiries about the bank deposit, the sender should contact our Seven Bank Contact Center.By deposit into a bank
account in the Philippines【Number of days required for deposit】
Money will be deposited into the designated bank account immediately or within 2 business days （business days of the receiving bank）.
For inquiries about the bank deposit, the sender should contact our Seven Bank Contact Center.
- Even if the Bank accepts a money transfer request, there may be cases where the receiver is unable to receive payment at any part of or all of the Payment Center located in the payout country or where the relevant amount cannot be credited to the Receiver's Bank Account due to transactional restrictions prescribed by the Alliance Partner, the Payment Center or the Receiver's Bank.
- If the Credit-to-Account Method is taken, the crediting to a bank account will be conducted in the payout currency. In addition, a separate procedure may be required in some Payout Countries.
- For bank account deposits to China, transfers are processed through the UnionPay network.
If this is the first deposit to the designated recipient's bank account, ID registration is required. The recipient must complete the required registration procedure within five business days, including the date the remittance is sent. - If there is an error in the transfer details, such as in the account number of the Receiver's Bank Account number, the money could be credited to the wrong account. Therefore, please always check the transfer details to ensure they are accurate. In particular, if the Credit-to-Account Method is taken in the Philippines, only the account number is checked to ensure that it matches the Receiver's Bank Account designated by the customer, and no steps are taken to ensure that the account holder matches the name of the receiver. We therefore encourage you to pay special attention when registering the account number of the Receiver's Bank Account.
- The customer must submit the Bank's prescribed transfer reversal request form to carry out a reversal. When submitting said form, the Bank may require the customer to submit the Bank's prescribed identity verification documents or provide a guarantor. In addition, there may be cases where it takes a considerable period of time to confirm with the Alliance Partner whether or not such reversal can be conducted.