To send money through the Western Union service, please follow these steps:
1. Open ZainCash app. From the main screen, go to Payments, then select Send & Receive Money. Under Transfer Type, choose Western Union, then select Send Money.
2. Select the beneficiary you wish to send money to (the beneficiary must have been added and approved in advance).
3. Review and accept the fraud warning.
4. Enter the transfer details, accept the Terms & Conditions and Privacy Statement, then tap Next.
5. Confirm the transaction using your PIN and 3D Face Authentication, then tap Send.
6. A confirmation message will appear indicating that the transaction was successful, along with the transfer reference number, which should be shared with the recipient.
To receive money internationally via Western Union service in ZainCash app, please follow these steps:
1. Open ZainCash app. From the main screen, go to Payments, then select Send & Receive Money. Under Transfer Type, choose Western Union, then select Receive Money.
2. Fill in the required fields and accept the Terms & Conditions and Privacy Statement, then tap Confirm.
3. Review the transaction details on the review screen, then tap Receive Money.
4. Enter your wallet PIN to confirm the receipt. The amount will be deposited directly into your wallet balance, and a confirmation message will appear once the transaction is successful.
Important notes:
The recipient name must exactly match the English name registered in your ZainCash wallet. You can view the registered name in the Western Union section of the app, where it appears at the top of the screen.
The transfer currency must be Iraqi Dinar (IQD).
You can check the money transfer fees and exchange rate for the Western Union service through the “Calculate Fee” feature in ZainCash app by following these steps:
1. Open ZainCash app. From the main screen, go to “Payments”, then select “Send & Receive Money”, and from the “Transfer Type” list choose “Western Union”.
2. Tap “Calculate Fee”.
3. Enter the required information (recipient country, recipient currency, delivery method, and transfer amount).
4. Tap “Calculate Fee”.
5. The following details will be displayed:
*Transfer amount (excluding fees)
*Transfer fees (depending on country, amount, and delivery method)
*Verification fee: 5,280 IQD
*Total amount to be paid
*Exchange rate, determined according to Western Union rules
*The amount the recipient will receive in the destination currency
The monthly transfer limit via Western Union through ZainCash app is 1,500,000 Iraqi dinars.
Excluding the commission fee.
Yes, you can refund the transferred amount through ZainCash app if it has not been received by the beneficiary. Please follow these steps:
1. Open the ZainCash app. From the main screen, go to “Payments”, then select “Send & Receive Money”. From the “Transfer Type” list, choose “Western Union”.
2. Select the transfer you want to refund from “My Transfers”. The transfer details will appear, then tap “Refund”.
3. Confirm the process by entering your ZainCash wallet PIN.
4. A confirmation screen will appear showing that the refund has been completed successfully, and the refunded amount will be returned directly to your wallet balance.
Notes:
*The transfer amount can be refunded along with the commission, excluding the verification fee, if the transfer has not exceeded 90 days.
*If the transfer exceeds 90 days, only the transfer amount will be refunded, excluding the commission.
Yes, the recipient name for a Western Union transfer can be modified, but only with partial changes. A full name change is not allowed. The new name must already be added as a beneficiary and approved before it can be selected.
Steps:
1. Open ZainCash app. From the main screen, go to “Payments”, then select “Send & Receive Money”, and from the “Transfer Type” list choose “Western Union”.
2. Select the transfer you want to modify from “My Transfers”. The transfer details will appear.
3. Tap “Change Name” and choose the new beneficiary name from the dropdown list under “Select Beneficiary”.
4. Tap “Send”. A confirmation screen will appear indicating that the name change was completed successfully.
Yes, there is an additional verification (audit) fee of 5,280 Iraqi dinars (IQD) applied to Western Union transfers made through ZainCash app, in accordance with Central Bank of Iraq regulations.
No, the administrative commission cannot be refunded.
You can find the list of countries you can send money to via Western Union through ZainCash app by following these steps:
1. From ZainCash app home screen, go to “Payments”, then select “Send & Receive Money”.
2. Choose “Western Union” as the transfer type.
3. Tap “Add New Beneficiary”.
4. Select the beneficiary’s country.
The available countries list will appear, and you can search for a specific country using the search bar at the top. If a country does not appear, it means transfers to that destination are not currently supported.
There is no maximum limit on the value of received transfers via Western Union in ZainCash app, as long as the total wallet balance after receiving the transfer does not exceed the wallet balance cap of 10,000,000 Iraqi dinars (IQD).
To delete a beneficiary from the beneficiary list in the Western Union service, please follow these steps:
1. Open the ZainCash app. From the main screen, go to Payments, then select Send & Receive Money. Under Transfer Type, choose Western Union.
2. Go to Beneficiaries List.
3. Tap the Edit icon at the top of the list.
4. Tap the Delete icon next to the beneficiary you want to remove.
To add a new beneficiary for money transfers via the Western Union service, please follow these steps carefully:
1. Open ZainCash app. From the main screen, go to Payments, then select Send & Receive Money. Under Transfer Type, choose Western Union.
2. Select Beneficiaries List, then tap Add New Beneficiary and fill in the required information.
3. Make sure the name matches exactly as written on the recipient’s ID, and ensure the name does not exceed 83 characters.
4. Tap Save. Your request will be reviewed within 24 hours. You can track the request status from the Beneficiaries List or via app notifications.
Important notes:
The maximum number of new beneficiaries you can add per month is 5.
You cannot add a beneficiary that already exists with a status of (Approved), (Rejected), or (Under Review).
To send money to a bank account through Western Union service, please follow these steps:
1. Open ZainCash app. From the main screen, go to Payments, then select Send & Receive Money. Under Transfer Type, choose Western Union, then select Send Money.
2. Select the beneficiary who has already been added and approved.
3. Accept the Fraud Warning.
4. Enter the transfer details, including the currency, delivery option (select Bank Account), and amount.
5. Select the recipient's bank from the drop-down list, then enter the bank account number and the purpose of the transfer.
6. Tap Next to proceed to the 3D Face Authentication step. Confirm the transaction using your wallet PIN. A confirmation screen will appear indicating that the transaction was successful and displaying the Money Transfer Control Number (MTCN).