Western Union Business Solutions is a business unit of The Western Union Company and provides services in Poland through Western Union International Bank GmbH, Polish Branch.

Western Union International Bank GmbH, Polish Branch (KRS No: 0000458059, NIP No: 1080015322), has a registered place of business at Al. Jana Pawla II 29, 00-867 Warsaw, Poland (WUIB) and is a branch of Western Union International Bank GmbH (Registered at the Vienna Commercial Court, Commercial Registry Number: 256184t, Sales Tax Identification Number: ATU61347377, Registered Office Address: The Icon Vienna (Turm 24), Wiedner Gürtel 13, 1100 Vienna, Austria), which is licensed by the Austria Financial Market Authority (Finanzmarktaufsicht).

Western Union International Bank GmbH (WUIB) qualifies as a financial advisor in the meaning of EU Regulation 2019/2088 on Sustainability related Disclosure Requirements in the Financial Services Sector (‘SFDR”). WUIB does not qualify as a market participant in the meaning of SFDR. WUIB neither issues, sells nor provides advice with regards to Financial Products in the meaning of SFDR.

Therefore SFDR rules addressing market participants and financial products do not apply on WUIB at the moment.

Terms and Conditions

  • Please click here to access WUIB’s Standard Terms and Conditions.
  • Please click here to access WUIB’s Standard Terms and Conditions Supplement Applicable to Forward Contracts and Future Payments Transactions.
  • Please click here to access WUIB’s Standard Terms and Conditions Supplement applicable to Forward Contracts, Option Contracts, Future Payments Transactions and Investment Advisory Services.

Financial Services Guide

Please click here to access WUIB’s Financial Services Guide, which will provide you with general information about WUIB, and the services it provides.

Product Disclosure Statement

Please click here to access WUIB’s Product Disclosure Statement for Foreign Exchange Transactions. This Product Disclosure Statement provides you with a detailed description of the types and characteristics of the products and financial instruments WUIB offers as well as the associated risks and costs.

Deposit Protection Scheme

Please click here to access WUIB’s information sheet for depositors.

Markets in Financial Instruments Directive

Please click here to access WUIB’s information sheet on the Markets in Financial Instruments Directive and related Regulation.

European Market Infrastructure Regulation

Please click here to access WUIB’s information sheet on the European Market Infrastructure Regulation.

Key Information Document - OTC Financial Derivatives

Under MiFID II and EU Regulation no. 1286/2014 on key information documents for packaged retail and insurance based investment products (PRIIPs), WUIB is subject to strong transparency requirements in relation to its products. For this reason, we have prepared Key Information Documents for each product. The Key Information Document illustrates the type of product and its characteristics, the hedging purposes, the advantages and disadvantages, the risks as well as the potential costs of buying and selling before the expiry and possible revenues in different market scenarios. WUIB invites you to view the KID related to each product, before negotiating any new operation.

 Key Information Documents are available here.

Forward Contract Fee Disclosure

Please click here to access WUIB’s Forward Contract Fee Disclosure document, which explains the costs and charges that may be incurred when entering into Forward Contracts with WUIB.

Transaction monitoring

We are committed to preventing illegal activity from entering our system. We monitor all transactions closely to ensure that potentially suspicious activity is flagged and investigated.


To file a complaint please visit the File a Complaint page.


Please click here to access WUIB’s Privacy Statement. This Privacy Statement describes how WUIB collects, transfers, uses, and discloses personal information that it obtains from you when visiting and/or using this website, or that WUIB otherwise collects in connection with enrolling or providing services to its customers.

PSD2 Open Banking Solution

For Third Party Providers, please click here to obtain information on how to integrate with WUIB.

Code of Conduct

WUIB is aware of the key importance of following the highest standards of ethical and professional activities related to the financial sector and has adopted and applied the principles described in the 'Code of Conduct for Western Union' - which is the Code of Ethics of our ultimate parent company, The Western Union Company.

 The guidelines described in the Code provide a framework for conducting business the right way, both ethically and legally.

 The Code of Professional Conduct (Code of Conduct) obliges all employees to:

  • comply with the law and all regulations and rules related to WUIB activities;
  • honest and ethical conduct in all actions - regardless of whether the co-operation concerns WUIB employees, third parties, business entities, customers, suppliers or the administration or supervision;
  • avoid any conflict of interest between work and personal affairs;
  • create a work environment that provides all employees equal opportunities and fair treatment;
  • strive to create a safe workplace;
  • foster a culture in which the supreme value is ethical behaviour.

Please click here to access a copy of our Code of Conduct: Western Union Code of Conduct (in English).