Home Money Transfer Western Union And How It Works In Nigeria

Western Union And How It Works In Nigeria

Western Union

Have you ever wanted to send money from overseas and you heard someone said you should use Western Union? Western Union is just one of the many financial institutions that makes it possible for people to send and receive money in most countries in the world. This post focuses on how to use Western Union in Nigeria.

What is Western Union

Western Union is an American based financial institution that makes it possible to send and receive money around the world. It’s services cover more than a hundred and twenty-three countries.

Western union has lots of features. In the United States and most European countries, almost all its services are available, but in some African countries like Nigeria, there are restrictions on some services.

If you choose to use Western Union to send and receive money, it’s good you understand how it works. This article will help you better understand how Western Union functions.

How Does Western Union Work in Nigeria

Think of Western Union as the bridge between two people (and in the case of international use it is a bridge between two countries); a sender and a receiver. Western Union’s Service revolves around ensuring direct and secure transfer of funds between people.

With the above in mind, here is an example of how it functions. Let’s say you have an uncle or aunt living overseas (in the case of a transfer between individuals) who wants to send you money.

Your Uncle or Aunt goes to his or her bank, or any verified Western Union agent in his or her country, or makes use of the official Western Union website by logging into his account and clicking the Send Money button which starts the process.

Your Uncle or Aunt fills out all needed details concerning the end point of the transaction; the amount of money to be sent, the receiving country and to whom it should be paid. Western Union provides the sender with an MTCN (the tracking code of the transaction). Your uncle or aunt gives you this code.

Your Uncle or Aunt needs to be fill out the question and answer section. Your uncle or aunt must give you the answers to the questions as you’ll need the answers to these questions to make the withdrawal.

How Do You Receive The Funds

When the transfer is confirmed, visit any Bank or verified Western Union agent in Nigeria. You can track the transaction with the given code and withdraw the money. You are only expected to answer a few questions about the transaction in some countries. If your country has tougher security checks, you will have to provide a valid means of verification.

With the right tracking code and right answers to the related questions, a valid means of identification provided where necessary, you should be able to withdraw or receive the funds.

As such, the answers to those questions can not be given to a third party or risk having the funds withdrawn by the third party. Secondly, the MTCN which is your tracking code should be kept safe too.


To Successfully use Western Union’s service in Nigeria, you need to have a verified Western union account. You can use this official link to get a free western union account. Where you do not happen to have one, visit the nearest Western Union Agent from where you can gain access to the transferred funds.

In our next article we’ll show you how you can register and verify your western union account with ease. Please use the share button below to share our posts on Facebook and Twitter.


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