Western Union Digital Banking

Western Union Apps

About this app

Get a free Western Union Digital Banking standard account, with local convenience and global reach:

- Free German current account, opened quickly and easily
- Free Interest-bearing savings account – to make your money earn you more.
- Free Visa Platinum Debit card*.

Feel right at home with app and customer support available in English, German, Romanian, Polish, and Italian, as well as a simple registration process with no credit score check (Schufa) required.

Bring your worlds closer with the convenience of our world-class money transfer service, right in the same app:
- Send money without transfer free** to other Digital Banking users.
- Add money in cash at Western Union agent locations.
- Send money to bank accounts, mobile wallets, or for cash pick up to 200+ countries and territories.
- Receive money transfers directly to your app and save yourself a trip to a Western Union agent location.

Western Union Digital Banking is your financial companion, offering you meaningful ways to manage, save, spend or send money. Brought to you by Western Union, reliable and convenient money transfer experts for over 170 years.

Need more? Upgrade to Digital Banking Premium and get these benefits:
- Up to 5 additional multicurrency accounts, making it easier to send money or receive money internationally.
- Up to 3 monthly Western Union money transfer service transactions with no transfer fees**.
- Up to 3 free** monthly cash top-ups at Western Union agent locations.
- Free physical debit card replacement.
- Goal accounts that make it easier to track your savings progress.


*Free physical Visa Platinum debit card after opening an account. Limited to standard shipping only. Limited time offer valid until December 31st, 2025.
**There is a limit on the number of transfer fee free transactions and monthly cash top ups. Check our price list for details. Western Union makes money from currency exchange.

Western Union Digital Banking is offered by Western Union International Bank GmbH, licensed by the Austrian Financial Market Authority.

Ratings and reviews

If I could, I wouldn't be here, but how long does it take to verify someone who has had an account with you for 3 years? It is exhausting to keep trying to get verified with a passport but somehow your application doesn't want to move onto the next steps. I literally had to buy a new phone because I thought my old one had an issue but no, not even the latest phone can get past your verification process. Tonnes of emails with customer service, no solution, 10 months down the line..Unbelievable..

Since the very first time I used the app, I only encountered issues. Every time a new problem appears that will not allow me to send money. Please fix the app's bugs and problems. The registration process was complicated since the app would not let me make the call, nor register my details. Then every time I needed to add money, it wouldn't let me more than a 100 RON. Now I can't send money because apparently I have to select options when sending, but there are no options to select. A nightmare.

This app does not work at all. Neither the video verification nor the selfie verification worked without problems, due to bugs within the fields. Afterwards I was asked to upload documents optional, but then it was obligatory. When I searched for my documents, the app reset the progress so that I should verify again. For like the 10th time. Not recommended. Took me over an hour for nothing.