Problem Description
When attempting to receive a Google AdSense Western Union payment at Bank of China, the bank system or staff may indicate that the "Remitter's Name" field is empty or incomplete. This leads to the bank refusing to process the deposit or currency conversion on grounds of "incomplete information."
Solution Overview
When major commercial banks (e.g., Bank of China, Agricultural Bank of China, China Construction Bank) refuse to process a Western Union transfer due to missing remitter name information, the most effective solution is to switch your receiving channel. We recommend using financial institutions with more flexible support and greater experience handling Western Union transactions.
Recommended Channels & Steps
- Choose an Institution: Prioritize Postal Savings Bank of China (PSBC) or China Everbright Bank. These institutions typically have simpler procedures for personal small-amount foreign exchange receipts (especially Western Union) and may have more flexible requirements regarding remitter information completeness.
- Open a Bank Account: Visit a branch of your chosen bank and inform the teller you need to open an account/card to receive "Western Union" transfers.
- Enable Mobile Banking: Ensure you activate the mobile banking service for the new card. For PSBC, use the "PSBC Mobile Banking" app; for Everbright Bank, use the "Everbright Bank" app. Mobile banking is essential for self-service online collection.
- Learn the Collection Process: At the branch, ask a customer service manager to guide you through the mobile banking app's Western Union collection process. The general flow is: Log in -> Find "International Remittance" or "Western Union" receive function -> Enter the MTCN (Money Transfer Control Number) and other details -> Complete the collection.
Key Tip: Based on user feedback, Postal Savings Bank of China often has the simplest and fastest account opening and collection process, with a clear app interface. It can be considered the primary choice.
Important Reminders
- If you encountered issues at Bank of China or similar institutions, directly switch to a recommended channel. Avoid repeated communication with the original bank to save time.
- Always bring valid personal identification when conducting banking business.
- Upon successful collection, funds will be converted to CNY at the day's exchange rate and deposited into your account.
Summary: If your AdSense Western Union payment is rejected due to "remitter's name" issues, the best practice is to avoid large state-owned commercial banks with strict requirements. Instead, use services from Postal Savings Bank of China or China Everbright Bank and complete the collection via their mobile banking apps. This approach usually resolves the problem smoothly.