Personal Finance Money transfer

Western Union money transfer: What is the maximum amount you can send in Ireland?

Gabrielle Figueiredo

01.09.25

Read time 3 minutes

Western Union is a convenient way to send cash to someone quickly - but what about high value payments? What’s the Western Union maximum transfer limit, and can it be increased if you need to send a large sum?

This guide to the Western Union maximum transfer limit online, and in person, covers all you need to know.

If you need to send a higher amount securely, and want to compare your options on features, fees and convenience, we've also got a great alternative for you. You can send a high value payment with Wise online, with the mid-market exchange rates, low and transparent fees. There are even progressive discounts on Wise fees when you send a high value transfer - more on all that, later.

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Western Union in Ireland: How does it work?

Western Union serves more than 150 million retail and digital customers, across 200+ countries and territories globally, with a network of agents in pretty much every country on earth.¹

It’s an option to get money to someone, with the possibility to send online, in app and in person through an agent in Ireland. You can also decide how the money should be received - options include sending to a bank or mobile wallet account, a bank card, or for cash collection.

Fees and availability vary depending on the service you select - Western Union also states on their home page¹ that they make money from currency exchange, which means you’ll need to compare their rates as well as their fees to see the full amount you pay for your transfer.

Read also: Western Union fees in Ireland

Can I send large amounts of money through Western Union in Ireland?

So, what is the maximum amount to send through Western Union from Ireland? Here’s a summary:

Sending method	Western Union maximum transfer limit²
Send at an agent	Usually no limit If you send or receive 15,000 EUR or more in a year, you will be asked to provide more information or documents for verification
Send online	Send up to 1,000 EUR per transfer or in a 3 day period from an unverified account (meaning, you haven't gone through identity verification) Once your account is verified you can send up to 5,000 EUR per transfer³

*Details correct at time of research - 11th August 2025.

As you can see, there’s no specific Western Union limit per day, or a Western Union monthly limit, but limits can vary according to how you want to process your payment, and whether or not you’ve verified your account.

Western Union does not specify what documents may be needed for verification if you send or receive more than 15,000 EUR/year. You’ll be notified if additional information is needed - this could include proof of the source of the money, or information about who you are sending to or receiving from, for example.

Can you increase the Western Union transfer limits?

To send the highest possible amount online with Western Union you need to verify your identity, and you can do this online or in person. Once your account is verified, you can send up to 5,000 EUR per online transfer.⁴

You can verify your account with any of the following documents:

Passport

EU/EEA ID

IE driving license

You’ll be prompted to upload this document if you ever initiate a transfer of 1,000 EUR or more online, or if you hit the cumulative 3 day amount over several payments. You’ll see a prompt to complete your profile and will need to upload an image of your ID document, and in some cases your card details.

It’ll then take about 30 minutes for the Western Union team to complete verification - you can also verify your account with a video call, but this can take several hours to be processed.

If you’re sending a payment in person at an agent location you’ll always be asked to provide one of the acceptable ID documents to initiate your payment.

Wise: Transfer large amounts without hidden fees

wise

If you’re sending large amounts of money through Western Union you’ll need to take time out of your day to visit a branch, which may not be convenient. If you hit the Western Union international transfer limit, or simply want to compare an alternative, check out the options to send high amounts with Wise online.

While the Western Union maximum transfer amount for online payments is just 5,000 EUR, with Wise, when sending to and from Euro it's possible to send up to 20 million EUR per transfer if you transfer from your Wise Account. You can also send using a card, iDEAL and Trustly, but then limits vary depending on payment method.

It’s free to create a Wise personal account, and your payment is processed using the mid-market exchange rate with no additional fees rolled in. Instead, all costs are split out for transparency.

Besides that, there are fee discounts and a dedicated support team if you’re sending more than the equivalent of 20,000 GBP (about 23,000 EUR) in a payment, or over the course of a month.

Check out Wise for high value payments you can send online, with low fees to bank accounts in 140+ countries around the world.

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Sources used:

Sources last checked on date: 12th Ago, 2025

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.