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• Know who you’re transferring to: Western Union is a popular way for scam artists to receive money from their victims, so be absolutely sure that you know the person that you are sending the money to, and that you trust what the money is for. Western Union has the following guidelines on when NOT to send money:
  
  
• Speak with the person who needs the money: You will need their location so you know what city to send the money to. You can optionally pay for a password to secure the funds beyond requiring a photo ID for pickup. Make sure you know the name that is used on their ID because this will be used to verify the funds are being released to the right person.
  
  
• Send money from a Western Union branch: Find your local Western Union office and fill out the necessary forms. You can send money from a branch in several ways: via cash, with a credit or debit card, or from bank account to bank account. Using your credit card may result in a cash-advance fee imposed by the card issuer.
  
  
• Send money online through the Western Union website. Click the Send Money link on the Western Union homepage. Select Send Online. Fill out the form, and choose how you want to pay. You can either send the money with a credit or debit card, or with your bank account. The recipient can either pick up cash at a Western Union branch, or have the money deposited into a bank account.
  
  
• Send money over the phone: Call the Western Union toll-free number, which can be found on the website. Provide the agent with the necessary recipient information, and pay with a credit or debit card.
  
  
• Speak with your recipient again: Provide them with the MTCN number given to you by Western Union, which they can use on the form when they go to an agent location to pick up the money.