1. General Information
A: Cactus/ Western Union offers money transfer services that allow you to send money to over 200
countries and territories worldwide. You can transfer funds for cash pickup, directly to a bank account,
or to a mobile wallet.
A: You can send money via mobile app, direct to bank account or at an agent location. Provide the
recipient's details, choose the delivery method, and make a payment. Your recipient can collect the
funds as soon as they’re available.
A: Western Union supports transfers in numerous currencies. Availability depends on the recipient’s
country, but popular currencies like USD, EUR, GBP, and many more are accepted.
You can send money from most countries to over 200 countries and territories worldwide. Check our
country list for availability.
A: The transfer limit depends on the sending and receiving countries, as well as the payment method. For Zambia, you can send up to K 100,000 .
A: 09:00-18:00 hrs
2. Fees and Exchange Rates
A: The cost to send money depends on the amount, the destination country, and the delivery method.
You can use our price estimator tool on the website to check the fees for your specific transaction.
A: Exchange rates are based on the current market rates and include a margin. You can check the applicable rate for your transfer during the transaction process.
A: Western Union is transparent with its fees. However, the recipient’s bank or mobile wallet provider may charge additional fees, so it’s important to confirm with them.
3. How to Transfer Money
A: How to Send Money In Person
Sending money in person with Cactus Western Union locations is easy. Choose what works for you and
follow the simple steps below:
Money in Minutes with Cactus / Western Union
4. Search for an agent location near you.
Complete the Send Money form.
5. Give the agent the completed form with the applicable funds (including transaction fee) in
cash.3
6. Save your receipt and tracking number (MTCN). Your receiver will need the tracking number
(MTCN) for pickup and you'll need it to track your transfer.
Send Money to a Bank Account
7. Getting money directly to your receiver is easier than ever when you transfer money to a
bank account.1 Availability at all Western Union agent locations makes the process quick and
convenient.2
8. Search for an agent location near you.
9. Complete the Send Money form, including your receiver’s bank and account
information. Check what specific information is needed.
10. Give the agent the completed form with the applicable funds (including transaction fee) in
cash.3
11. Save your receipt with the tracking number (MTCN).
12. The money will be deposited into your receiver’s qualifying bank account within 3 bank
business days in the destination country. In some cases it could be deposited the next day.
The 3-day count begins the day after you send your transaction. Check out destination-specific timing.
To Mobile Wallet
If your receiver lives in a country where we offer this service, you can send money to their mobile
phone—so they can get their money even more quickly and easily.1 Make sure your receiver has activated a mobile wallet2 with one of our partner mobile providers in their country.
6. Check available destination countries and mobile providers.
7. Search for a participating agent location near you.
8. Fill out the Send Money form including your receiver’s mobile phone number.
9. Give the agent your completed form with the applicable funds (including transaction fee) in cash.3
10. Save your receipt with the tracking number (MTCN).
A: You will need the recipient's full name (as it appears on their ID), their country and city, and details of how they want to receive the money (bank account, mobile wallet, or cash pickup).
A: You can track your transfer online using the Money Transfer Control Number (MTCN) provided at the time of the transaction. Simply visit the "Track a Transfer" section of our website or app.
A: Depending on the service selected, the recipient can pick up the funds at any Western Union agent location, have it deposited into their bank account, or receive it in their mobile wallet.
A: Yes, Western Union allows you to transfer money directly to the recipient’s bank account or mobile wallet, depending on the destination country.
A: Cash pickups are usually available within minutes, while bank transfers or mobile wallet deposits may take 1–5 business days depending on the country and bank.
4. Payment and Delivery Options
A: The recipient can collect cash at any agent location, have the money deposited into their bank account, or receive it in their mobile wallet, depending on what’s available in their country.
5. Security and Privacy
A: Yes, Western Union employs industry-leading security measures to ensure your money transfer is safe. All transactions are encrypted, and our fraud detection systems monitor for suspicious activity.
A: We comply with global privacy laws and regulations. Your personal data is securely stored and used only for processing your transaction. For more details, you can view our Privacy Policy on the website.
A: If you believe you’ve been a victim of fraud or have received suspicious communication, please contact our fraud hotline immediately at [insert hotline number] and report the incident.
6. Promo Codes and Discounts
A: Enter the promo code during the payment step of your transaction. The applicable discount or offer will be applied automatically.
A: Current promotions and discounts can be found on our website or through emails if you are subscribed to our newsletter.
A: Promo codes may have restrictions, such as being limited to specific countries, transfer methods, or minimum transfer amounts. Please check the terms and conditions of the specific promo code.
7. Support and Assistance
A: If your transfer is delayed, you can check the status using the MTCN. If it has failed, contact our customer support team for assistance at [insert contact info].
A: You can reach our customer support team via phone, email, or live chat. Visit our "Contact Us" page for details.
A: You can cancel or amend a transfer if it has not yet been collected. Contact customer support to make any changes.
9. Receiving Money
A: The recipient must provide a valid government-issued ID and the Money Transfer Control Number (MTCN) provided by the sender.
A: You will receive a notification via SMS or email when the money is available for collection. The sender can also share the MTCN and pickup details with you.
10. Legal and Compliance
A: Yes, both senders and recipients may need to provide a valid government-issued ID. In some countries, additional documentation may be required depending on the amount and regulations.
A: Some countries may have restrictions due to international sanctions, or limitations on the amount that can be sent. Please check our country-specific information for details.