Western Union International Bank GmbH, Sp. z o.o. Oddział w Polsce

Western Union International Bank GmbH, sp. z o.o. Oddział w Polsce is the Polish branch of an Austrian credit institution operating under EU passporting, with the branch not being a separate legal entity and the Austrian bank bearing liabilities. The institution primarily provides cross-border payment services and money transfers rather than full-service retail banking; availability of specific products in Poland can vary over time and should be confirmed in current terms and disclosures. Prudential supervision is conducted by the Austrian Financial Market Authority and the Oesterreichische Nationalbank, while host-state conduct and consumer rules apply in Poland. Services typically include sending and receiving international transfers through web and mobile channels and, where applicable, via agent locations; payout options commonly include bank account credit and cash pickup, subject to identification, limits, sanctions screening, and applicable local requirements. Pricing consists of a transfer fee and an exchange-rate margin, with total cost depending on corridor, amount, funding and payout method, and currency; the provider displays the rate and fees prior to confirmation. Delivery times vary by method and destination, ranging from near real-time for some cash payouts to one or more business days for account credits, and may extend due to compliance reviews or correspondent banking timelines. Electronic payments are subject to PSD2 strong customer authentication; the institution applies EU anti-money-laundering controls and GDPR data protection standards, and may delay or refuse transactions when required by law. Funds held for executing a transfer are not bank deposits; if any deposit products are offered, coverage would fall under the Austrian statutory deposit guarantee scheme rather than the Polish scheme, and customers should verify whether a specific product qualifies for protection and to what limit. Complaints can be submitted to the branch and escalated to the bank’s head office; cross-border dispute resolution is available via FIN-NET, and Polish consumers may also contact the Financial Ombudsman. Key documents—including terms and conditions, fee schedules, and privacy notices—should be reviewed before use, as service scope, limits, corridors, and pricing are subject to change.