Ways To Receive Money Through Western Union In Nigeria 2021

This article is an A-Z guide on how to receive money through Western Union in Nigeria 2020. If you want to understand what Western Union is and how you can use it to both send and receive money in Nigeria, then this article is for you.

If you have been using any of these methods in making money online in Nigeria, or you have relatives abroad that intends to send you some money down here in Nigeria, chances are that you would need a secure means you can always use to receive these monies here in Nigeria.

When it comes to the issue of international money transfers, one platform that has emerged over the years as a favorite means of sending and receiving money worldwide is Western Union.

With its simple, fast and secured means/process of sending and receiving money globally, Western Union in Nigeria has become synonymous with International funds transfer in some quarters.

Not withstanding the popularity of Western Union, there are a lot of people who are still oblivious of what it is and the services that it renders. They only know that there is a brand called Western Union; nothing more.

If I may ask,

What Is Western Union?

meaning of western union

Western Union is a global brand that carries out fast and secured international money transfer to almost every country in the world. It is one of the oldest means of international money transfer.

It (Western Union) has a global spread covering about 200 nations. WU also boasts of having over 480,000 agent locations worldwide. That’s a clear indication of its popularity.

The global spread of Western Union has made it one of the most patronized means of international money transfer here in Nigeria.

A lot of Nigerians today prefer Western Union when it comes to receiving money from abroad because of how difficult it is to open a business PayPal account in Nigeria.

If you are still looking for a way to open a Nigerian PayPal account that can both send and receive money abroad, then read this.

However, if you are still not too comfortable with PayPal and its wahala, there are still other close alternatives to PayPal that you can still use to send and receive money in Nigeria, if for any reason you choose not to proceed with Western Union.

However, how Western Union works has remained an enigma to many. In view of this, we will be breaking down the whole procedure involved in sending, and receiving money here in Nigeria through Western Union.

However, if you are yet to make your first $100 in any online business, I strongly recommend that you check out this article, as it promises to show you exactly how to achieve that with ease, and receive your money using Western Union or any other means of your choice like PayPal

How To Open A Western Union Account In Nigeria

steps to open a western union account in nigeria

A lot of Nigerians want o know about how to open a Western Union account in Nigeria. Truth is, unlike other methods of receiving money online here in Nigeria that require online registration, you don’t need to register on Western Union platform before you can send or receive money here in Nigeria.

Just walk into any bank in Nigeria that has a Western Union agent to send or receive money. Isn’t that pretty simple? Just keep reading this post for the step-by-step guild on how to carry out transactions with WU here in Nigeria.

Western Union Receive Money Requirements

You may have asked, what are the requirements to receive money through Western Union in Nigeria? Basically, there are 2 major requirements you need to receive money through WU, they are: a government issued ID card and a tracking number from the sender (MTCN). Once you have these two things ready, you are good to go.

Ways Of Receiving Money Through Western Union In Nigeria

How can I receive money through Western Union in Nigeria?

There are 4 major ways to receive money through Western Union in Nigeria, which are:

  1. Through Quick Teller
  2. Via ATM
  3. Through Selected Nigerian Banks
  4. Via Mobile Phone

These and much more will be discussed presently. However, You should note that there is a Western Union receive money limit in Nigeria. The limit is $10,000. This implies that you can’t receive money through Western Union that exceeds $10,000 without having some clearance from the Central bank of Nigeria.

If you are good with that, lets show you the ways you can receive money through WU in Nigeria:

How To Receive Money From Western Union Through Quickteller In Nigeria

To receive money from Western Union through Quick Teller, the first thing you will need to do is to visit the Quick Teller web portal that is specifically dedicated for Western Union transactions.

On the portal:

  • Choose the bank you’d want to receive the funds with and fill in your details. The details you’d be required to fill include:
  • Your Money Transfer Control Number (MTCN) – this 10-digit code will be sent to you by the person who sent the money to you.
  • Your full name
  • Sender’s full name,
  • Sender’s country etc.
  • Once you are done, double check to ensure that the information entered is correct. If everything is error-free, click on continue and wait for confirmation.
  • Once this is done, you’ll input the details of the bank account you’d want to receive the funds with and confirm.
  • Once you’ve followed all the steps above correctly, your account will be credited within few hours.

How To Receive Money From Western Union Via ATM

To receive money from Western Union in Nigeria via the ATM, all you have to do is to visit the nearest ATM (it has to be the ATM of the bank with which you operate an account with) that is also a Western Union Agent.

For this transaction, you don’t need your ATM Card. Simply click on the Western Union option which will then bring up a page for you to enter your details.

The details you are required to provide include:

  • Your name
  •  Sender’s name
  • MTCN (Money Transfer Control Number)
  •  Sender’s country.

Aside all the requirements above, you will equally need to provide your account number.

Once you’ve entered your account number, confirm your transaction and wait till it is processed. Once the ‘processing’ is completed, the funds will be credited into your account.

How To Receive Money From Western Union To Nigerian Bank Account

To receive money from Western Union directly into your Nigerian bank account, simply follow the steps below:

  1. Head over to any Nigerian bank with Western Union agents (see list below)
  2. Request for the form called To Receive Money Form from the Western Union affiliated Nigerian bank
  3. Fill the form properly, while indicating your full name, where the money was sent from, the secret question and answer and your money transfer control number MTCN
  4. Submit the completed form, including your government issued ID card to the Western Union Agent at the bank

Once you’ve provided all the needed information, the money will be paid to you in cash (if you wish) or transferred to your bank account.

Banks That Do Western Union In Nigeria

symbol of western union banks in nigeria

Below is the list of Nigerian banks that do Western Union in 2020:

  1. First Bank of Nigeria
  2. Zenith International Bank
  3. Wema Bank
  4. Standard Trust Bank
  5. Oceanic Bank International
  6. Ecobank PLC
  7. Intercontinental Bank PLC
  8. Guarantee Trust Bank
  9. Allstates Trust Bank
  10. NBM Bank


Just like in any other venture, there are many important terms that you must familiarize yourself with in order to make the most of your Western Union experience. Below are the most common of them all.

MTCN– Money Transfer Control Number is a 10 digit code generated by Western Union and given to the person making an international funds transfer. It’s the MTCN that the receiver will use to claim the money.

You can receive your funds (the Naira equivalent) in cash ( when receiving your Western Union Funds at the counter) or have it transferred to your account in the same currency that it was sent.

Secret question– this is a question that only the sender of the money has the correct answer. This secret question is generated alongside the MTCN and given to the sender. The beneficiary of the funds will have to provide the secret question along with the MTCN before receiving the funds.

You need to have at least a savings account before you can receive money through Western Union in Nigeria


Having information is one thing, utilizing that information to better your lot is another thing.

I believe with this detailed explanation on the procedures involved in sending or receiving money with Western Union here in Nigeria, you are now good to go if the need arises.

Using Western Union to receive or send funds across the World is not rocket science; once you can pay attention to details, it will be as easy as ABC for you.

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Eze Elekwachi

Hi, Eze Elekwachi holds an M.Sc. in Public Administration and a PhD in view. He is the brainchild behind Cyriltips.com. People see him as a programmer, web developer, content developer and a seasoned e-marketer probably because he's good at what he does...

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