Frequently asked questions

Sign up with your email on the web or in the app, then verify your identity with a photo ID and a quick selfie. Most accounts are approved within minutes and your first transfer up to £500 carries zero fees.

Choose a destination and delivery method, enter the amount, add your recipient, and pay by debit card or bank transfer. Your rate locks the moment you confirm, and live tracking starts instantly.

Yes. Client funds sit in segregated accounts with tier-one banks, every payment uses 256-bit encryption with real-time fraud screening, and we are independently audited each year.

A government-issued photo ID and proof of address cover most senders. Larger transfers may need a source-of-funds document — we tell you exactly what's required before you pay anything.

Safeguarded bank accounts, encrypted rails, biometric approvals, instant transfer alerts and 24/7 human fraud monitoring combine to keep every transfer — and your data — protected.

Four in five transfers arrive within minutes. Cash pickup and mobile-wallet payouts are usually instant; Express bank transfers land same-day; standard bank transfers arrive the next working day. Every quote shows its own honest estimate.

One upfront fee from £0.99 plus a rate linked to the live mid-market — no margin hidden inside. Your first transfer up to £500 is fee-free, and Frequent-plan members pay half fees.

More than 120 receive countries across bank, cash and mobile-wallet payout — including the USA, UK, India, Nigeria, the Philippines, Mexico, Pakistan, Kenya and all of the EU. The estimator confirms availability for your corridor instantly.

Yes, free, while the transfer is still being processed — cancel from the app in two taps for a full refund including the fee. Once funds are paid out, recall depends on the receiving bank and we'll help you chase it.

No. Money lands directly in their bank account, cash collection point or mobile wallet — they just need valid ID for cash pickups. We'll notify them by SMS or email when it's ready.