United States · Money service business
Western Union Financial Services, Inc.
Western Union Financial Services, Inc. (WUFSI) is a Colorado corporation based in Denver. US state regulators license it as a money transmitter under NMLS ID 906983. They include the New York State Department of Financial Services. It is an indirect wholly owned subsidiary of The Western Union Company and offers money transfers, bill payments, money orders and a prepaid wallet to US consumers. In January 2017 FinCEN assessed a USD 184 million civil money penalty against it for anti-money laundering failures before 2012.
Licences and registrations
Held by Western Union Financial Services, Inc. (LEI RZWY7R33X3LFQMZKJY46). 1 entry on 1 of the 22 tracked registers, retrieved 24 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| MSB Registrant SearchFinCENLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | —Money Transmitter / Remittance | Not published by the register | United States | Active | 2026-01-05 | — |
|
Search the register ↗ |
Trading names on the register: dba Orlandi Valuta (FINCEN-MSB), dba Vigo Remittance (FINCEN-MSB)
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Other register entries with this LEI
Shown for reference: they share the LEI but are not merged into this page
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- WUFSUS55XXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under WUFSUS55 directly.
- Swift GPI
- Live member
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2013-04-27
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Firm type
Money remittance
Trades as Western Union
- Ownership
- The Western Union Company, listed on the New York Stock Exchange, owns the firm indirectly through intermediate holding companies.
- Ultimate owner
- The Western Union Company, United States
- Head office
- 7001 East Belleview Avenue, 80237 Denver, United States (registered office: C/O C T Corporation System, 7700 E Arapahoe Rd, Ste 220, Centennial, CO 80112, United States)
Online
- Websites & references
- westernunion.com ↗
corporate.westernunion.com ↗ group corporate site
ir.westernunion.com ↗ group investor relations site - Official social accounts
- X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 15 pages consulted
- westernunion.com/us/en/legal/file-complaint.html
- westernunion.com/content/dam/wu/us/en/Website-State_Licensing.pdf
- s21.q4cdn.com/100551446/files/doc_downloads/State-Licensing.pdf
- westernunion.com/staticassets/media/Western_Union_Wallet_Terms__Conditions_6_20_24.pdf
- westernunion.com/us/en/wallet/terms-and-conditions.html
- westernunion.com/us/en/prepaid/us-gpr-terms-and-conditions.html
- westernunion.com/us/en/mobile-app.html
- fincen.gov/news/news-releases/fincen-fines-western-union-financial-services-inc-past-violations-anti
- sec.gov/Archives/edgar/data/1365135/000136513518000004/ex991-wunydfspressannounce.htm
- sec.gov/Archives/edgar/data/1365135/000119312506180229/dex105.htm
- ir.westernunion.com/news/archived-press-releases/press-release-details/2026/Western-Union-and-Intermex-Provid
- investors.intermexonline.com/news-releases/news-release-details/western-union-acquire-international-money-express-inc
- ir.westernunion.com/news/archived-press-releases/press-release-details/2026/Western-Union-Launches-USDPT-on-S
- businesswire.com/news/home/20260220258915/en/Western-Union-Reports-Fourth-Quarter-and-Full-Year-2025-Resul
- corporate.westernunion.com/about-us/leadership-team/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- Pathward, National Association, United States Bank Partner that issues the Western Union Visa Card linked to the wallet and holds pooled custodial accounts
US state regulators license the firm as a money transmitter under NMLS ID 906983, and FinCEN registers it as a money services business. Its Western Union Visa cards are issued by Pathward, National Association under a licence from Visa U.S.A. Inc.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| US state regulators (NMLS) United States | Money transmitter and sale-of-checks licences in 53 US jurisdictions, including the New York State Department of Financial Services | 906983 | In its own name | Active | westernunion.com ↗ |
| Financial Crimes Enforcement Network (FinCEN) United States | Money services business registration (money transmitter, prepaid access, money orders) | — | In its own name | Active | — |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Deposits at a partner bankThe firm says most wallet balances are an unsecured claim against it, held in investments under state money transmitter laws. Eligible US dollar funds sit in pooled custodial accounts at Pathward, N.A. with pass-through FDIC insurance.
- Card issuer · Deposit-holding bank
- Pathward, National Association United States
- Payment schemes and card networks
- Visa Through a partner westernunion.com ↗
Swift Direct
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm sends money from the United States through agent locations, online and in the app. Its prepaid multi-currency Western Union Wallet has a linked Western Union Visa card.
It serves senders in the United States and US territories. According to the group, transfers reach more than 200 countries and territories.
- Revenue
- USD 4.1bn
- Sells to
- Consumers
- Serves customers in 4 countries
- United States · Puerto Rico · Guam · U.S. Virgin Islands
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Devin McGranahan President and Chief Executive Officer, The Western Union Company (group)
- Chief financial officer
- Matt Cagwin Chief Financial Officer, The Western Union Company (group)
- Compliance / MLRO
- Kent Lindner Chief Compliance Officer, The Western Union Company (group)
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
On 13 August 2026 the California DFPI suspended the approval extension it had granted for the parent's pending acquisition of Intermex.
ir.westernunion.com ↗ -
Merger / acquisition
NYDFS approved the parent's pending acquisition of Intermex after The Western Union Company made commitments on New York remittance services.
ir.westernunion.com ↗ -
Other
The Western Union Company launched USDPT, a US dollar stablecoin on Solana issued by Anchorage Digital Bank N.A.
ir.westernunion.com ↗ -
Merger / acquisition
The Western Union Company agreed to acquire International Money Express, Inc. for about USD 500 million in cash.
investors.intermexonline.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- WUFSUS55XXX
- How the BIC breaks down
- WUFSBank
- USCountry · United States
- 55Location
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- RZWY7R33X3LFQMZKJY46
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- 5156ede358fc
Profile
- Type
- Money service businessRemittance, currency exchange, cheque cashing and money orders. Usually registered with an anti-money-laundering supervisor rather than licensed prudentially. Taken from the licences on the tracked registers.
- Regulation
- AML registration onlyRegistered with an anti-money-laundering supervisor (FinCEN, FINTRAC, HMRC, AUSTRAC, Hong Kong Customs…) without a prudential licence.
- Register licences
- 1 entry on 1 register
- Activities
- Money remittance
- Prepaid access
- Money orders
- Other money services
- Licensed in
- United States
- Country · region
- United States · North America
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 7001 EAST BELLEVIEW AVENUE DENVER 80237 UNITED STATES OF AMERICA
- Operational address
- 7001 EAST BELLEVIEW AVENUE DENVER,CO DENVER,CO 80237 UNITED STATES OF AMERICA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>WUFSUS55XXX</BICFI>
<LEI>RZWY7R33X3LFQMZKJY46</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>WUFSUS55XXX</BICFI>
<LEI>RZWY7R33X3LFQMZKJY46</LEI>
<Nm>WESTERN UNION FINANCIAL SERVICES, INC.</Nm>
<PstlAdr>
<TwnNm>DENVER</TwnNm>
<Ctry>US</Ctry>
<AdrLine>7001 EAST BELLEVIEW AVENUE DENVER 80237</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- MSB Registrant Search—Financial Crimes Enforcement Network (FinCEN) · register ↗ as at 24 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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