Frequently asked questions about transfers

Select the option "Transfers> Western Union > Send" and indicate the amount you want to transfer. Then, take note of the MTCN code that you will receive in your inbox right after making the operation. The payment will be made by debiting your current account.

Inform the beneficiary of the MTCN code. To withdraw the transferred amount at any W.U. branch, the beneficiary must present this code and the ID document. Alternatively, you can also indicate the code word, which does not require an ID document to withdraw the amount.

Select the option "Transfers > Western Union > Receive" and enter the account where you want the transfer to be credited and the MTCN code.

To schedule a transfer you must:

• Select the current account;
• Select the option "Create a new transfer schedule", 
•  Enter the following elements:
• Destination account
• Amount to be transferred on the scheduled date
• Date on which the transfer will be processed
• Descriptions for the source account and destination account

If the day specified for the transfer is not a working day, the transfer will be processed on the next working day.

To undo a permanent transfer you must:

1. Select the current account of the transfer you want to change;
2. Select the option "Consult, Change or Cancel permanent transfers".

If you want to change the transfer:

1. In the transfer details, select the "Change" button;
2. Select which data you want to change: name of the beneficiary, amount to be transferred periodically, and end date of the transfer (must be a working day).

To create a permanent transfer you must:

1. Select the current account;
2. Select the option "Create a new permanent transfer";
3. Enter the following elements: IBAN of the destination account, name of the beneficiary, amount to be transferred, description for the destination account (optional), frequency, validity. 

If the day indicated for the transfer is not a working day, the transfer will be made on the next working day.

To make a one-time transfer you must: 

1. Select "Transfers"
2. Choose the option "Standard" and:
   • Select the current account;
   • Select the destination account;
   • Select the elements for the transfer.

To make an international transfer you must:

1. Select the current account that will be debited
2. Enter the name of the beneficiary, the amount to be transferred, the IBAN and the destination country.

To make an international transfer you must:

1. Select the current account that will be debited.
2. Enter the name of the beneficiary, the amount to be transferred, the IBAN (for transfers within the European Union) or the destination account number, the name and address of the Bank, the destination country, the SWIFT Code (field not mandatory, however, failure to indicate the Swift Code will result in the application of a different price), the Clearing Code (field not mandatory).
3. Select the costs associated with this transfer. 

For transfers within Europe, failure to provide or providing incorrect SWIFT and IBAN codes, and for transfers outside Europe, failure to provide or providing incorrect SWIFT Codes and Clearing Codes, will incur the cost associated with manually processed orders. It may also result in a debit from the bank receiving the transfer.

To make Western Union transfers you must:

1. Select the current account that will be debited;
2. Enter the amount to be transferred; the destination country (only for Brazil), the state and city and the phone number.
3. Enter the beneficiary's details: first name, surname and full name.
4. You can exempt the beneficiary from presenting a valid ID document if the destination country allows it and the amount to be transferred is less than €450;
   If you want to exempt the beneficiary from presenting a valid ID document you must:
   • Select the field "The beneficiary is exempt from presenting an ID document";
   • Fill in the fields "Key question" and "Answer".

5. The "Key Question" and "Answer" can only be filled in if:

   • The transfer is to an African country (mandatory), regardless of the amount to be transferred;
   • The beneficiary is exempt from presenting the ID document. In this case, the amount to be transferred must be less than €450.
   
   If the transfer is to a non-African country and the amount to be transferred is higher than €450, the "Key Question" and "Answer" fields cannot be filled in;
   
   Some countries (e.g. Spain and Brazil) do not accept the use of the Key Question and Answer. If the selected destination country is in this situation, you will receive an email informing you that it is not possible to continue the transfer.

Some countries (e.g. Spain and Brazil) do not accept the use of the Key Question and Answer. If the selected destination country is in this situation, you will receive an email informing you that it is not possible to continue the transfer.

You must follow these steps:

1. Select the current account that will be debited;
2. Set the amount to be transferred, the country of destination, the state and city, and the phone number;
3. Enter the beneficiary's details: first name, surname and full name;
4. You can exempt the beneficiary from presenting a valid ID document if the country of destination allows it, and if the amount to be transferred is less than €450;
   

   If you do not want the beneficiary to present a valid ID document you must:

   • Select the field: "The beneficiary is exempt from presenting an ID document";
   • Fill in the fields "Key Question" and "Answer".
5. The "Key Question" and "Answer" can only be filled in:
   • If the transfer is to an African country (mandatory), regardless of the amount to be transferred;
   • If the beneficiary is exempt from presenting the ID document. In this case, the amount to be transferred must be less than €450.
   • If the transfer is to a non-African country and the amount to be transferred is higher than €450, the "Key Question" and "Answer" field cannot be filled in.
   • Some countries do not accept the use of the "Key Question" and "Answer". If the selected destination country is in this situation, you will receive an email informing you that it is not possible to continue the transfer.