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[Latest!] How Western Union Money Tracking Works

Are you a Nigerian and did you know that western union money tracking that is done using money transfer mtcn is known to be associated with western union, a company that did not start out with that exact name?

How Western Union Money Order Tracking Works

If you’re in Nigeria, I think you should know one or two things about Western Union before learning how to track your funds using the MTCN; I’ve made this post educative in one hand and providing you with answers on the other hand.

New York & Western Union Telegraph Company was the name Late Ezra Cornell renamed one of the bankrupt companies he came back with to New York in the year 1851.

The fact that this company was once knocked down did not mean it planned to stay down and be trampled upon; in the year 1856, this company became a formidable competitor with the New York & Mississippi Valley Printing Telegraph Company.

western union money tracking

Seeing as they could not push each other out of the business, they sat down to talk. Upon realizing they shared the same goal of creating a great telegraph system with unified and efficient operation, they agreed to merge their companies and upon Ezra Cornell’s persistence, the name Western Union Telegraph Company was adopted.

Also Read: Internet banking in Nigeria – how it all works

western union money tracking orderThe merge rapidly gave birth to smaller Western Union Telegraph Companies, spreading its wings to other locations.

The year 1871 saw the company introducing its money transfer service (now the western union money tracking is the next thing that comes to mind, right?).

In the year 1879, Western Union dropped out of the telephone business. Yes, there are times like that in every business.

As Western Union is excitingly popular for western union money transfer and its western union money tracking, western union exchange rate, etc. today; it was dreadfully popular for been the deliverer of bad news during the World War II.

Also Check Video: World War 2 Explained in 7 minutes    

In early 1980, western union gradually stripped itself of its telecommunication – based assets due to decline in profits and increasing debts.

This led to the beginning of the activities western union is known for today; western union was sending money outside the country thus the recreation of itself as the fastest way to send money worldwide and also the expansion of its base internationally.

Western union became a consumer based money transfer with the efforts of some people especially Roberty .J. Amman. January 27, 2006, and western union announced it would stop offering transmission of telegraphs and delivery.

What Is Western Union

As defined by the business dictionary, “western union is a financial services corporation that specializes in the transfer of money from one location to another location.”

western union tracking - western union money transfer to send money

This American company that has stand the test of time has proven herself over and over again as a trusted financial service provider.

How Do I Open a Western Union Account?

Yes, you need to register for a Western Union account. A western union account can be opened online, visit westernunion.com and register by creating a profile or visit online.westernunion.com and follow each of the five steps to set up a western union account.

western union money tracking create profile

Other Information required include: City, state, Zip code, security question and answer and more. Check out the link above to open an account.

western union mobile app to send money online

You can also use western union mobile app via GooglePlay Store and iOs and enjoy fast, reliable money transfers on the go 24/7.

How Much Money Can be Sent Via Western Union

After knowing the receiver’s details which include first and last name, country and city, etc. you can send money or western union send money online to his or her bank account or via an agent location.

You should know that the amount of money that can be sent via western union varies based on the following factors:

  • Your transfer history.
  • Your payment method.
  • Your location.
  • Your receiver’s location.
  • The service you choose.
  • Agent location limits.
  • Country receive limits.

If you want to use western union send money online via WU.com, you can determine how much you can send by clicking send money. Although the western union site have the following terms:

  • In minutes, 3 days, and western union pay: $2,999 per money transfer.
  • Next day: $500 per money transfer.
  • Mobile money transfer: $500 per money transfer.
  • Bill payments / quick collect: $2,500 per
  • Prepaid services: limits vary by card issuer.
  • Online FX international payments: $10,000 per transaction.

When sending through an agent location, the country’s limit on the amount that can be received determines how much can be sent.

It does not end at this stage; the money sent can be tracked, to know if the transfer has been paid to the receiver, using the western union money transfer mtcn number.

This process can be called western union money tracking or WU tracking for short.

Note: The money transfer fee is paid by the sender only. If you’re in Nigeria and use the service of this western union, as a customer you can receive funds from other countries who have the permission to transfer funds internationally.

Western Union Money Transfer mtcn Number

Looking for how to track western union money in Nigeria?

Western union money tracking or western union track transfer as you wish to call it, is done using the western union tracking number – MTCN.

western union money tracking online to Wu track transfers

The western union money tracking number is the Money Transfer Control Number, MTCN, which can be found on the transaction receipt emailed to you or in your transfer history page.

The MTCN is a tracking number or code that is unique to a particular money transfer or transaction. It is used for WU tracking the money sent and to be received.

Follow this link https://www.westernunion.com/au/en/self-service/app/tracktransfer or https://www.westernunion.ng/WUCOMWEB/transferStatusIntlAction.do?method=load&nextsecurepage=Y and use your western union money transfer mtcn number to know the transfer status of the money sent.

western union money tracking to track money sent

Note: The money control transfer number MTCN should not be revealed to just anybody except the receiver of the transfer you are making.

How Many Numbers are In a Western Union Tracking Number

Straight to the point here, there are 10 digits in a western union tracking number just as you’ve seen in the image above.

How Do You Pick Up Money From Western Union

After the money has been sent and has been tracked to have been paid, the receiver can have the money deposited into his/her bank account or pick it up at any of the western union locations in his or her country.

western union tracking Uk - track transfer locations and agents

The recipient must have the following:

  • Money transfer control number MTCN
  • A government issued identification card e.g. national ID card to prove the person is the correct receiver.
  • Expected amount.
  • Sender’s first and last name.
  • Country from which the money the transfer was made.
  • Receiver’s name, address, and phone number.

Note: Money can be picked up within few minutes after sending. If the money is not picked up the same day it is transferred then it stays in the system for the next 45days.

Also, you should know that money is not returned to sender for 9 months after the date of sending unless the sender orders so, and it takes up to 30 days to process the order.  

A sender can also cancel a money transfer, if the transfer has not been paid to the receiver, with the western union money transfer mtcn number.

Also Read: Top 17 online loan websites in Nigeria for quick cash

Western Union Tracking Without Mtcn

Yes, the western union money transfer mtcn number is needed for western union money tracking to know if transfer has been sent, but western union money tracking can also be done without mtcn.

Let me talk about the 2 options available.

Track Western Union Transfer With Receivers Name

As mentioned earlier, one of the information needed to do western union money tracking without mtcn is the receiver’s name.

Either you are the sender or the receiver; you can track western union transfer with receiver’s name (first and last names).

Western Union Tracking Phone Number

Western union money tracking with phone number is one of the options of western union money tracking online without mtcn. The western union tracking phone number is done using the sender’s phone number.

Western union tracking phone number and receivers name

Go through the steps below:

  • Follow this link https://www.westernunion.com/us/en/self-service/app/tracktransfer
  • Select the ‘Don’t Know MTCN’ as seen in the image above and a whole new page pops up where you get to choose either by phone number or by receiver name.

how to track western union money transfer online without MTCN

  • Fill in the required information which includes the sender’s phone number, sender’s first name, sender’s last name, receiver’s first name, receiver’s last name, receiver’s country, date the money was sent, and amount sent.

Also watch this video below about western union money tracking and cash transfer:

Western Union Tracking Number Lost? Here are Quick Tips

Just like you, several  others have asked the question of what to do if you lost your western union money tracking number. Here are few tips from Quora and Reddit:

  • Go back to the agent that did the transfer for you. Give them the date you made the transfer and they can look it up for you in the transaction log. Don’t wait too long, you only have 60–90 days. It is also possible to get a printout if needed.

While another user on Reddit asked: I lost my MTCN number I am the sender, how do I recover? Here’s another tip provided

  • Go back to the store you sent it from with your government ID. Call support via the SAME phone number you used to send money.

Benefits of Western Union Number to Check Money

The western union money transfer is packed with the following benefits:

  • Money transfer to anywhere in the world due to its large agent network and operation, hence, the numerous western union locations in more than 190 countries.
  • Faster money pick up.
  • Reliable and trustworthy financial service to use.
  • Guaranteed security of transaction.
  • Convenient way to pay with the introduction of western union speed pay.

Also Read: How to borrow money online in Nigeria

Western Union Money Tracking Summary

There you have my tips on western union money tracking. Western union money transfer was practically the only and most popular international money transfer medium most of us knew before others came along.

Despite the emergence of other money transfer mediums, many banks in Nigeria if not all use the western union exchange rate till date.

If you’ve learned a thing or two about Western Union money tracking, please give your comments and don’t forget to like and share.                  

Aurora Maikudi
Aurora is a contributing writer at Oasdom.com. With a deep interest in researching and finding solutions, Aurora hopes to share her work with all oasdom fans and visitors.

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  1. How to unblock my name on western. Western block my name and i can’t abke to send money to my family.

    • Hi Hannah, the best thing to do will be to reach out to the customer care of Western Union and lodge your complaints. They may require some data for verification and some other questions may be asked.

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