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Expert Loan Tips

Before you apply for a personal loan, consider other forms of credit. You might find a credit card is cheaper and a card with a 0 per cent introductory offer on purchases will enable you to spread the cost of big purchase interest-free.

*The rates above are indicative, visit a branch near you for more details.
Western Union
Do I need a bank account to send money?

No, you can send money without holding a bank account.

When will the money be available to the receiver?

Immediately* after you have completed the transaction.

Does the beneficiary have to pay fees?

No, all fees are paid by the sender.

What do I need to communicate to the beneficiary?

Senders name

Sending country/city of origin

Amount sent in local currency

Do I need to add a test question?

Yes, any transfer to Africa needs a test question for security reasons.

Do I need to provide the 10 digit number (known as MTCN) to collect money?

Yes, Since its mandatory

What do I need to collect my money?

Name of the sender

Country/city of transfer’s origin

Expected amount of money to be received

Valid ID and test question answer

Do I need a proper form of ID to collect my money?

Yes, normally a passport, national ID or driver’s licence.

Do I need to have a bank account to collect my money?

No, you receive the money in cash.

Do I need to pay a fee when collecting my money?

No, all fees have been paid for by the sender.