方法 1
方法 1 的 3:转账到银行
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1
把你的银行账户信息发给汇款人。汇款人需要银行名称、银行卡号、银行代码才能给你转账。如果对方是你信任的熟人或者是合法的知名公司，你才可以把这些信息发给对方。
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研究来源
你可以打电话或登录银行网站查询卡号和银行代码。WH.performance.mark(‘step1_rendered’);
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2
确保汇款人知道你银行账户的全名。例如，如果你的银行账户是William H. Smith，而你的朋友在转账申请表上写的是“Billy Smith”，那你就无法收到这笔钱，一定要确认对方知道你正确的全名。[2]
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3
如果是跨国转账，你要提供国际银行帐户号码和/或银行国际代码。打电话或在银行网站上查看这些信息。[3]
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4
你要等2-5个工作日才能收到转账。在大多数的情况中，钱会在2-5个工作日内直接转到你的银行账户。汇款人会拿到一张收据，上面会注明预计到账时间。[4]
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5
查看余额，看钱有没有到账。登录线上账户、打电话或者亲自去银行看钱有没有到账。到账日期不会超过5天或收据上的预计日期。[5]
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6
用汇款监控号（MTCN）查看转账情况。汇款人拿到的收据上有一个汇款监控号，你可以凭这个号码在西联汇款的网站或应用上查看转账详情。[6]
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研究来源
WH.ads.addBodyAd(‘method_ad_1’)
广告
WH.ads.addBodyAd(‘mobilemethod_ad_1’)
方法 2
方法 2 的 3:到西联汇款的网点取现
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1
你得把身份证上的全名和住址发给汇款人，然后才能从西联汇款取现。即使你身份证的住址与目前住址不一样，也要提供身份证上的住址。[7]
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研究来源
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2
记下汇款人的全名和住址。询问转款人姓名及住址，你取现的时候得提供这些信息。[8]
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3
询问汇款人收据上的汇款监控号。汇款后，让对方把收据上的汇款监控号告诉你，这样你就能查询转账情况以及可以取现的时间。[9]
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汇款人收据上会列出预计到账日期。尽管如此，你取现之前最好还是查询一下转账情况，看看是否已经到账。[10]
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4
去最近的西联汇款网点。任何网点都可以取钱，用西联汇款的线上工具（https://locations.westernunion.com/ ）查看离你最近的网点。
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出示身份证，身份证上的姓名和住址要和汇款人填写的信息一致。要使用有效的身份证。[11]
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6
提供汇款人姓名、住址以及监控号，还需要知道转账金额。在有些国家或地区，你可能还得回答汇款人提前告诉你的安全问题。[12]
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广告
WH.ads.addBodyAd(‘mobilemethod_ad_2′)
方法 3
方法 3 的 3:用手机钱包应用收钱
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1
在手机上安装手机钱包。一些手机已经预装了手机钱包，看看你的手机里有没有。如果没有，那就去应用商店下载一个。苹果支付、三星支付、安卓支付都是常见的手机钱包。[13]
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2
输入你的信用卡或借记卡信息。安装好手机钱包之后，应用会提示你输入信用卡或借记卡信息，以便用于收款或汇款。
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3
告诉汇款人你的手机号码。与亲自取现或直接转到银行不同，汇款人只需要你的手机号码就能把钱转到你的手机钱包。如果是跨国汇款，一定要提供国家代码。[14]
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4
用监控号查看转账情况。手机银行通常只需要几分钟就能到账，但是汇款金额、目的地国家或地区、货币管制等因素会导致到账时间延长。[15]
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广告
WH.ads.addBodyAd(‘mobilemethod_ad_3’)
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