Union eRemit can be used by any person wanting to send money from his/her bank account in the United States or United Kingdom to a beneficiary in India. The remitter can also have the money sent to his/her own NRE account in India.

You can now send your remittance in U.S Dollars or Pound Sterling. The remittance will be made to your beneficiary in India in Indian Rupees only.

Union eRemit is brought to you by Union Bank of India - one of India's leading public sector banks. The bank has a rich tradition of providing state-of-the-art banking services to its customers in India and across the globe.

We do not take your credit card information. When you pay through Union eRemit, the money is debited through the Automated Clearing House Online ACH, which means, no debits appear in your bank account unless you have personally authorized it. All transactions are on fully secure encrypted lines, and your data is stored on our machines, which are behind state of the art firewalls, and have gone through extensive security tests.

Times of Money is Union Bank of India's alliance partner for the Union eRemit service.

Yes. You can now send your money into your NRE account in India.

No. This money is income earned by you overseas, and you have already paid taxes for it in the US or UK. Your beneficiary need not pay tax on this money again once it is remitted to India.

Refer to this ready reckoner to know all about Delivery Schedules.

Online ACH is the completely online way to send money. It uses the Automated Clearing House (ACH) network to directly debit your account, and transfer the funds to our bank account in US. The funds are then transferred to India to your beneficiary.

• As a First-time user, you need to complete a one-time Registration process where you are required to add your bank account details.
• Your details are verified through a one-time verification process, which takes 3 working days. You can make a remittance immediately but the transaction will be completed subject to verification of your account.
• Union eRemit notifies you by email once your account is activated. The same notification is also available on the website, should you want to check the status of your verification online.
• In order to process your transaction faster, it is advisable to book your remittance by 3:30 p.m. EST.

1. Click on "Bank Accounts" and choose "Add".
2. Provide basic Bank Account details such as your Account Name and Number as well as your Routing (ABA) Number for the bank account you wish to use for the purpose.
3. We initiate a verification transaction into the bank account mentioned by you, which takes 3 days. Once these transactions are successful, we send you an email to visit the Union Remit site to verify your account.
4. Check your bank account statement and enter the details of the transactions passed by Union Bank of India on the website.
5. If the details match the actual transactions passed by us, you are ready to start using your account to transact!

For the Online ACH mode, you will be able to transact after the mandatory verification of your account is complete.

Your funds could reach your family as fast as 3 working days from the time you book a remittance. There will be no additional charges from your bank.

The ABA (American Bankers Association) Number or Routing number is also called a "Routing Transit" number. It is an identification number assigned to each financial institution and each branch office of that financial institution. It was developed by the American Bankers Association in 1910 to help route payments among banks. Perhaps the most important thing to keep in mind about the ABA/Routing number is that without it transmitting funds is not possible.

Customer Initiated Payment (CIP) is a completely online mode of sending money from your bank account in the United Kingdom by using your bank's Internet Banking service.

After filling the transaction details on our site, access your account via Internet Banking and transfer the remittance amount to us through the BACS (Bankers Automated Clearing Service) option. You will also need to provide the 'Internet Banking Trace Number of your transaction to Union eRemit. You can enter this number either while booking your transaction or much later through the Status Tracker facility. The Internet Banking Trace Number is compulsory to process the transaction.

Though it is a Online Money Transfer transaction, we do not receive the credit immediately and hence the status may show as 'Funds in Clearing'. However, you need not worry, as there would be no delay in sending the money to your family in India.

No, we accept only Online Money Transfers from your bank account currently.

No. Union Bank of India is a Bank incorporated under Nationalization and Acquisition of Banking Companies Act and having its branches throughout the country. UBI provides this service in partnership with Times Of Money. When you pay through Union eRemit, the money is debited through the Automated Clearing House Online Money Transfer, which means, no debits appear in your bank account unless you have personally authorized it. All transactions are on fully secure encrypted lines, and your data is stored on our machines, which are behind state of the art firewalls, and have gone through extensive security tests.

When you send money from your Bank account in the U.S (or UK) using Online Money Transfer, we receive the money in 3 (or 4) working days from your bank at no extra cost to you. This ensures that your remittance can be processed much sooner and in turn be delivered faster to your beneficiary. Also, you do not have to go any place to mail a check, saving you trouble and time. In short, using Online ACH saves you valuable time and effort and reaches your remittance to your beneficiary much faster.

There is generally a gap between the time that your account is debited and the time that we receive the credit hence the status would show as 'Funds in Clearing'. However, you need not worry, as there would be no delay in sending the money to your family in India.

We have alliances with globally renowned courier companies to ensure the highest standards of safety and service.

We currently support over 1500 locations in India. You can find a list of these locations here. If you would like us to add a location, please send us an email at unioneremit@unionbankofindia.com and we will endeavor to do so at the earliest.

Your beneficiary will receive Indian Rupee funds in the form of a Demand Draft payable at the location you have chosen while booking the remittance. In case the beneficiary has an account with any of our select branches of Union Bank of India, and the details are added on the site, Union eRemit can directly deposit into the account of the beneficiary.

Typically, the status update is done 24-48 hours after delivery to your beneficiary. Until then your remittance will show 'In Process' although the funds have been delivered. If the Demand Draft was sent by Registered Post, which happens if your beneficiary's address is unreachable through courier, a delivery confirmation might not be reliable.

If the primary address of the beneficiary is wrong, the courier returns the Demand Draft to us. We send you an email and ask you what to do with your funds. You will then need to book a fresh remittance request and instruct us in the "Personal Message to Beneficiary" field to use the funds of your earlier remittance request number for the purpose of the new remittance booked by you.

No. This is not necessary, though it will speed up the process tremendously if your beneficiary has an account with Union Bank of India. In this case, the funds will be deposited directly into your beneficiary's account, eliminating the time involved in courier delivery, and saving the beneficiary the bother of depositing the Demand Draft into their account.

Please refer to the following table for country-wise limits -

Country Limits-Min per Transaction Limits-Max per Transaction United States US Dollars 50 US Dollars 5,000 United Kingdom Pound Sterling 11 Pound Sterling 5,000

Click here for the Transfer Fees applicable to your remittance.

The exchange rate will be based on the prevailing rate at the time of converting your funds to Indian Rupees. The rate that is shown to you at the time of booking the remittance, on the online calculator, is only an indicative rate, which can help you arrive at the approximate US Dollar (or Pound Sterling) amount that you should send. However, the rate shown on the calculator on any day is the actual rate that has been used for all remittances for which funds have been dispatched on that day.